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Major Problem - Crap Credit Score and Buying new house?!?!
I have a dilema. I have a rubbish credit score where I can't even get the simplist of things on credit and I am buying a new house in 5 months. I have plenty of money coming in now and not a lot out but I am having problems. My bank manager suggested a couple of long-term things but I'm not sure. Anyone got any ideas/tips…
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Joint Debts
I was hoping for a bit of advice..... my DH has 3 outstanding loans with 2 different ex partners. 2 were taken out in 2004 and 1 was taken out in 2006. They are all in arrears and up until this point we were unaware of the actual amounts outstanding. It is only through checking Equifax tonight we have managed to get…
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screwing up my snowballs!
Hi - started new thread because this question got lost on my first thread (how do I put a link in here?) I have been back to whatsthecost and tried to fiddle about with the snowball tool - it only shows me paying off the credit card (which I chose to do first) - once that is paid off, it doesn't transfer the extra…
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Old vinyl records....
Are they worth anything nowadays? I have a few boxes stored in the loft with 7" and 12" singles and a few albums I really haven't a clue what to do with them and I know I have "knights in white satin" on white vinyl dating back to the 70's, could this be worth anything? Any advice please Thank you
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Rockwell
I have been asking debt collection agenies who have been hounding me for a while for my CCA'S, some of which i am happy to pay because i do owe the money and 3 i am not sure about i have been paying but cant remember who the debt was to in the first place, some are over 8 yrs old. anyway Rockwell was one i ask for a cca…
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Debt Advice - Please help
Hi Guys, Hope you can help me with some good advice. I've got myself in some debt and have racked my brains on what to do next. I hope you can point me in the right direction. SOA below Income Wages £1100 per month Expenditure House Costs £560 Car £120 Petrol £120 Gym £37 (cannot cancel until Oct 08) Phone £40 Phone…
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Bit worried about IA.
Hi all, unfortunately IA has suffered 2 seperate incidents today when she was attacked by nasty trolls. They were very verbally vicious and I'm worried that some of the nastiness sunk in, as IA is offline which as we all know is highly unusual.;) Please IA and Steve don't let these [strike]twots[/strike] gits upset you.…
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what would you do? Pro-rata figure higher than current minimum.
Whilst I'm hoping I can stay snowballing and not have to go to a DMP, I have been working out my pro-rata figures for each creditor as it is beginning to look more unlikely. 4 of them would actually end up getting more money per month on the DMP that they ask for as a standard monthly minimum (more than twice the amount…
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Time to 'fess up! (Un)Proudly Presenting my SOA...
Hi All, This is my SOS to all you lifesavers out there! I have been in a LBM throughout January, although I knew things had to change before, but decided to bury my head rather than ruin Christmas. Our household is me and my OH (both late 20's), our 3 year old daughter and 2 cats. I should explain that a lot of my debt is…
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link financial
god please someone help me. in december i made one of payment to link on behalf of my partner (he only has a cash card). Fair enough. At the end of the month my partner agreed that as of the end of January he would make a payment of £300.00 per month to pay the debt of quicker. BUT - as he didnt make the payment on time,…
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I need advice please
Hi all. I have never posted on here before, but i have been reading the forums for several months now. I have got myself in to serious debt, about £55k. i was alwaysy able to keep making the minimum payment or just slightly more, however everything changed five months ago as i split up with my partner and had to move out,…
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Just Agreed F&F - Question?
Hello all, I have just agreed over the phone a F&F settlement for the Tesco debt. The outstanding balance is £2529.66 and they have offered £1370 as F&F so long as its paid by the 14th. This isn't a problem as I can transfer it to c card 2 - I will be saving a whopping £1159.66 :j . I did say that I wanted it in writing…
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What will you treat yourself to when you become debt free??
Hiya I did a couple of mystery shops yesterday and I dont know what possessed me but I decided to have a look in Coast and Karen Millen while I was in town. The clothes in there were so beautiful but there is absolutely no way I could justify buying a £150 dress while I'm in so much debt but I've decided that my very first…
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Debt Angel. Advice? experiences?
Recently we applied for a loan of £5000 to cover both paying off Welcome Finance (who have us on a hideous APR) and to fund a bond and deposit on a bigger house as we are expecting our 4th child imminently. Tonight the phone rings and a company called Debt Angel one of their financial advisors was talking us through our…
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Can I pick Your Brains?
Hi there, I've posted this on the loans board but wondered whether anyone here can help. I'm trying to help out a family member with their finances and regards to this company. They have today applied for a loan and been 'guaranteed' an acceptance. They have already pain the £49.50 acceptance fee and they aim to pay out in…
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Career progression v debt payments
Good afternoon everyone. I studied law at university and in 2005 completed the LPC (a postgraduate law qualification). I left Uni with a fair few debts that I am paying back. I am on a DMP and with my current position I am left with around £40pw to love on after rent, bills, debt repayments and Oyster Card. My quandry is…
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I need help on a ccj matter!
HI, my OH recently had a credit check and has found he has a ccj which has been on there for 4 years. He cant remember who it came from and for what debt it was. As he was young and stupid and missed payments alot! His sure he must of paid it as he hasnt had any letters asking for money etc for the past 4 years. Ive been…
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Getting things removed from Credit Report?
Hiya, related to my other post: http://forums.moneysavingexpert.com/showthread.html?t=723681 If DCA cannot provide us with copy of CCA, can we get them removed from credit report? If so, how? Thanks.
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15k court debt how can i delay payment
I lost in court and the court order says i must pay the other person 15k Can i delay the payment ie i can't afford to pay it all Do i ask for a payment order or is that just for bankrupts ? Can they search for all my accounts and take my small amount of savings ? Do i make a suggestion and offer say 300 per month ? sorry…
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Dmp/ Sell House Or Final Settlement
Hi looking fro some advice, I started a Dmp with CCCs two years ago runs until 2018 eek! (Owe £64k) this was a lifesaver and has been running fine. But we recently had our first child and this has really refocused me in getting debt free. So I have been looking at the following options. * We recently had our house valued…
