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Secured loans.
Does anyone have any experiences trying to rid themselves of secured loans Im currently trying to find the best route out of a £25000 home loan with paragon. Does anybody have any experiences? It was one of the worst moves i have ever made to take this out.
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The Lottery - Luxury or investment?
Hi all, Here's a bit of a dilemma. Many of us, I'm sure, play the lottery. Assuming you enter both the Wednesday and Saturday draws, this costs around £9 a month. Now, some may argue that this is an unnecessary luxury expenditure, but what if you were to cancel the subscription and your numbers came up the next week? You…
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Help with credit card
Hi, Maybe you can help? I am struggling with my credit cards a bit - I have 2 of the damned things and want to get rid of them, attempting to pay them off as quick as i can. However, in the meantime i want to transfer to a 0% card but cant seem to find one that will offer me a credit limit over £500 as i am young (thats…
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Got a refund
Just posted on credit card forum but thought I would put it here too. 10 days ago i sent the letters to credit card companies asking for refunds of charges. Today I got the first reply. They have offered half - £140 - which i will accept as the good will gesture they are saying it is. As this is one of the cards I am…
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defaults
Hi all i am in a pickle here i went to the cccs who advised me to pay all my creditors £1 each per month but lord knows how many defaults i have now. Is this the norm i dont want any more credit cards and want to just live a cash life but what about things like mortgages? i dont know if i have done the right thing as i was…
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me too
Been searching around the site taday and come across this. Glad to find its not just me in this situation I personally hade cc debts of approx 10k and a loan of about 7.5k to pay off over the next two years. I thought that was all the debt that my wife and i had together untill since xmas my wife has been getting calls in…
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Lodgers??
How do i go about getting a lodger?? I'm in some debt and although i am trying to lessen it other ways a lodger would maybe be a way of getting out of more debt quicker. I rent but would this make it illeagal or in any way dodgy??? Also the second room is small... And what furniture would i have to provide??? :confused:…
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apex credit management
On a debt management plan with CCCS but had a call from the above company. Does anyone know who they work for?
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0% or low %
Hi, I have an balance on one CC with a low for the life of 7%, but I could transfer half the balance to a 0% for one year. The thing is this 0% becomes 16% after one year and I can not see me paying the balance off in that time. Am I better keeping things as they are, or save the £150 in interest PA now and look to…
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Banks are sharks
Hello I am in debt to over 23,000 on cards gone wrong. Since I am in difficulty they all want to charge me lots of money!!!! Getting a final value of card companies is impossible they keep ignoring my letters and adding in more interest and charges, then the main culprit decided to take money out of my current account…
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Bankrupcy is my only option
Im in debt for around 50K plus the cccs and Payplan cant help as some of the debts have been sold on and ive been advised an IVA would not be accepted. A payment plan would leave me in debt for the rest of my life as i have no real disposable income. Ive been seperated for 3 years now and will be going through a divorce…
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Please help me, I'm terrified!
I don't know where to put this...so please feel free to move if needs be. I need help, serious help. I've buried my head in the sand for far too long now, and I need to sort myself out before I end up in BIG trouble. I had a loan with First Direct, which I couldn't afford to repay. It got passed to a debt collection agency…
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New to this board! Hi - could do with some advice!
Hi I will try and keep this as short as possible, but here goes! Myself and DH currently have numerous creditor debts totalling £60k of which we have been paying back reduced monthly pro-rata payments for some considerable time now and whilst bankruptcy would be the viable option, we cannot bring ourselves to do it for…
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clicks, how do you make money this way?
Hi can someone please explain to me how you make money with clicks? As eager to learn as really eager to get some spare cash together before the summer hols, if you could point me in the right direction i would be sooo thankful, cheers
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Bad Credit - Advice Regarding Credit Report Please?
Hi Guys, I have just recived my credit report. I live at my address (lets call that Address 1) and i used to live with my nana a while back, some 5 years ago (lets call that address 2) Now i live at Address 1. Does that mean when i have a credit check with whomever, will it just check the record for the accounts registered…
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Ok, this has taken me a while
Hi everyone, I am new to this, but have been reading and looking at this site for a while, I really have had my light bulb moment and fed up of being in this state. No one knows about all of this not even boyfriend or parents - too be honest I am really embrassed and ashamed of the mess. It all started when I was 19 moved…
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Suicidal - please help me!
I'm new to this, please bear with me. In debt with CCs. Need approx 20,000. Have cut down on everything, i.e. gas/electricity, food etc, so please dont ask for SOA. Cards all used up to limit, paying approx 400 per month on cards alone - minimum payments. Really need a solution how to clear this debt. Cant sleep at nights.…
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Who our the top three worst creditors to deal with
Ours are 1 Halifax-wouldn't stop interest, phoned the hospital ward DH was on demanding to speak to him 2.Abbey-not even willing to talk about a repayment plan only owe £500 but charges could double that 3. npower- owe nearly £400 in arrears :eek::eek: on electric, gas is fully paid. So whats your list.
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Baines & Ernst
Just registered and was hoping to get some advice. I'm in debt and have been using a debt mgmt company called Baines & Ernst to look after the issue for me. However, they charge £44 per month as a mgmt fee. I have been told by them that If I "go it alone" the people I owe money too will continually chase me and take me…
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Just had good news - hope to all you dfw newbies!!
:T Its only a month ago that we contacted cccs for help - 58k on cc's, had been keeping up all minimum payments but when mbna upped the interest rates on 2 cards and doubled the minimum payments we were in big trouble! Had been hiding our heads in the sand for some time really, but this was the straw that broke the camels…
