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How do I increase my Credit Rating?
My partner has bad credit rating, but has no debt. All information or help we can find it all deals with people with debt and what to do. In the past he has tried to get a credit card, but has been declined, as someone mentioned if he got a credit card with a high interest and buy one thing a month on it and paid it off…
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can i cut my outgoings??
my partner is a student and has just been turned down for a hardship grant as they say our outgoings are too high...is there anyway i can cut them?? money coming in.. 193 ctc and 42 child benefit..weekly my partner also gets a student loan/grant which totals 7500..out of this he has to pay course fees 3000 (he has to pay…
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Have posted this on mortgage board too - no reply yet - help anyone?
Hi All, I would really appreciate some advice here as I have had a tendency, where money is concerned, to take the 'easy/ quickest' route back to solvency in the past through taking out loans, credit cards to bail me out. Have come up with a 'little plan' .... is it a good one? I took out a £125k mortgage in November 2002.…
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What do CCCS do? can they help my situation
Hi, Well i now have no choice but to contact these as it's been established that i am paying out more than what is coming in. The chrunch point was today when i received a final demand for payment from HSBC regarding my loan, In total i owe £7219.45. I rang them up to arrange a repayment plan and they wanted to go through…
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KYH DFW Diary 2008
Ok well as you cans ee from my sig my LBM was yesterday, this has been brewing for a while but I have finally decided that I need to get clear of debt once and for all. Long history of overspending in my youth and an expensive ex husband led to an accumilation of debts (mainly loans) Slowly been clearing these but when my…
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Hmmmm...not strictly dfw related but...
got another strange call from this number 05601126483 and cant find any info on it. They only rang once before hanging up so didnt get to answer it in time. Just before this call I had just managed to get off a 15 minute phone call from a company trying to give away holiday vouchers and free UK breaks and asking to book me…
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Telogram & CapQuest
Hi I hope that this is the correct board. Yesterday Mrs Watchwoman (my wife) received a letter from a H. L. Legal claim that they were representing a company under the name Telogram or/and CapQuest Investments Limited. I Googled Telogram and it looks like it is a dept collection agency. In the letter they were referring to…
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Is this a scam?
Hi Received a strange phone call from someone saying he is from a company called DMP, claiming to be an agency for several creditors who allege I am in debt to them. He spoke in very broken English and when I tried to get a phone number for his company and their address, he said he could not give his number and he mumbled…
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Reply from BCW in regards to CCA Request....help!
Hi!! Got a letter from Buchanan Clark and Wells in regards to the CCA request letter I sent to them. Here's their letter: Dear Ms Pxxxxxx I write with regard to your recent communication concerning the above account. I would advise that we do not hold copy Credit Agreements at this office, as we are not the Creditor. Under…
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Debt payment advice
Hi, I have a question which I need answering as it is starting to worry me a little. basically I have been in debt for a while now and a credit card I had with HSBC was passed onto Thames credit limited. Now bare with me here..... To pay money towards this account the first time I used my internet bank (Nationwide). As…
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What to write???
Hi wondered if anyone can advise?? Have applied to reclaim charges from LloydsTSB. As everyone else we are awaiting the test case results!! Problem I have at the moment is... We have not used the account that we are claiming charges for, since 3rd June 2007. Balance was £zero. 1st July Lloyds took charges of £35. Have…
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alliance and leicester new acount overdraft question
Hello people! I have recently opened an Alliance and Leicester premier direct acount on the recommendation of this site. This is because i have an overdraft of £2000 with my old acount which is costing me £20 a month in interest. A&L overdrat is interest free for the first year. I earn around £800 a month and am always…
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can anyone advise re: allocation questionnaire
Hi, haven't been here much recently due to lots of personal stuff including bereavement, illness and re-emergence of depression. So if I haven't thanked everone who has helped and advised me so far please accept my apologies :o . My hubby had a CCJ claim form for a debt of £8849 from Reston's/HFC and because we believed…
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Aktiv Kapital - One Mans quest to rid the world of bullying collection agencies
Hi all, Firstly, great site, great advice... I sent the the CCA letter to Aktiv Kapital with £1 after they said I owed Barclays Bank £600. Completely baffled as to what this was and after reading about Akitv decided to follow the advice here. THey have responded to me stating that the selling bank could not retrieve the…
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feeling guilty but had no choice
I received my paperwork the other day from CCCS to start a DMP with them i have not returned anything back to them yet as i am just trying to get all the paperwork they have asked for .The plan is going to be started on 1 st March . Yesterday i had to draw money on one of my credit cards again £100 because i have no money…
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PaP/Moozie's What will/have you spent today Thursday 14th Febuary thread
Morning all:hello: Should be a NSD here:rolleyes: Hope everyone has a fantastic Thursday :)
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What to do with surplus cash after reducing SOA?
Hello everyone. I hope you are all well. I would like some advice please, if possible. My OH has just begun a DMP. Over the past couple of weeks I have been through all our utility bills etc and have managed to switch, swap etc and have reduced these by approximately £50 a month. Now, do we increase the payment on the DMP…
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Daily Chat Thread - 14th Feb
HAPPY VALENTINES DAY! How's everyone doing this morning? I'm in the clutches of a full blown cold and really not feeling very romantic at all.. :( what's everyones plans for today? Apparently Ste's going to cook me a meal tonight which will be nice. :) We haven't got each other presents and our cards were free with a…
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Decision Decisions ?????????
Hello I've recieved a bonus of approx £1000.00. Temptation is kicking in to update my wardrope and treat myself to a Nintendo DS.:doh: Plus I'm due to sit my test for my driving which will cost around £100 plus any additional lessons I take leading up to it- which is £20 ago. :undecided I have no idea what I should do with…
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Thursday 14/02/08 What small dfw thing have you done today???
* When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress,…
