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Default showing on credit report
How long does a default stay on a credit report for? Does it go once I have settled the balance?
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quidco and clicks????
hi after starting my posts on another thread about how i can get debt free and reading through all the other threads i notice a lot of you talk about quidco and doing your clicks. what is this, i am desperate to find any way of making or saving money and thank all you lovely people in anticipation!:confused:
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Advice regarding a Full and Final settlement
I have been repaying a debt to the co-operative through Equidebt. I have only been able to pay the token £1 a month via standing order for the last year, what with all the rises that we have all had to endure any extra i could have paid has been swallowed up. Anyway i recently got a full and final settlement offer of 25%…
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CCJs
Do CCJs appear on your credit file? I have requested my file, and cant see any, but im sure i may have got one a few years ago (im not 100% though, thats how i got myself into this mess! :rolleyes: ) Thanks x
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Debt collection 5 years after emigrating!!!
Hello I emigrated from the UK several years and I use a friend's UK address as a forwarding address. Recently my friend called me and said they had received a letter from Advantis Credit threatening to arrive at their door in 7 days if a 'debt' in my name to Southern Water (N.B. I left UK several years ago - paying all my…
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contact after 6 years ?
Hey guys hope you can give me some advice. (sorry its a bit long winded, tried to keep it as short as possible) I had a credit card with MBNA, about 10 years ago was on holiday with my ex and he talked me into using it for a deposit on a timeshare !!!!! Anyway when we still split up i lost my business and payed all my…
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Beyond help?
Hi everyone, I hope someone can offer me some advice. My financial situation is really dire, and I have no idea how to get myself out of it. I've got a loan for £5000 and an overdraft of £1500. I live in Edinburgh which is superbly expensive, and I am single to boot. I earn a good salary, but most of it gets sucked up by…
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Advice needed (please)
hi everyone, i have been looking at the MSE site/forum over the last few weeks but have just received a letter that has prompted me to join the forum. i know that there are people who need help a lot more than me but i need to get my situation capped so that it doesnt get any worse. i would really appreciate it if anyone…
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Address for Littlewoods finance company limited???
I need to send littlewoods a letter, now the only address on the letter they have sent me is at the bottom of the page. registered office: Aintree Innovation Centre Park Lane, netherton, BOOTLE, L30 1SL Could anyone tell me if this is the right address to send a letter to. (regarding them not supplying me with a CCA)…
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Twelve Weeks to Pay 1K!!
Thank you for indulging me by reading this...!!!!!! Late last year, I had my LBM. I was 24hrs away from bankruptcy in Oct 07 and was fortunate enough to get a job which managed to get me out of the immediate danger of losing my house, but spluttered on until Dec until I finally realised that this wouldn't go away...I had…
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getting debt paid and credit score file
hi everyone i have just paid a ccj off in full this month and sent away to get it satisfied on my credit file and have just made payment on a defaulted account (payed in full) and waiting for that to get marked satisfied i have one outstanding default from british gas for £186 that i hope to pay very very soon could anyone…
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Really need some wise advice guys
Hi, long story short I have one debt left to pay and I’m finally done and out of trouble. Problem is I left the big one until last, £2,809 owed to Barclays from around 2004 that they have sold to Booker Management Services. BMS have tracked me down, how I have no idea, to my current address and have sent a letter…
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Pigsback
I am a member of pigsback and I have seen lots of people on here mention how they have got quite a few vouchers within only a few months of joining. I am struggling to increase the piggybank, as I am not very familiar with the site etc and how you can get 'free' points so to speak and was wondering if anyone could give me…
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Debt Free at last!
Hi all not posted much on here before but lurk daily and wanted to let you all know that thanks to all your encoraging messages and tips, I finally became debt free this month!:T Feels very strange I must say as I was in debt for almost 10 years. I love it though! Just wanted to say to anyone struggling at the moment, take…
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Question about defaults
Do defaults stay on your credit file for 6 years from the date they were put on or 6 years from the date that they are settled? Thanks in advance
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Enough is Enough diary.
doing a daily diary now of our aim to munch our way through £30000 something of debt. on another post i did my soa ..not much change to it but can budget less than the £400 stated for grocieries. main plan - to be debt free within 3/4 years or less so that we can move house. mini plan and first on the list is to tackle…
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please help..........
We've run up a cc's bill of about 1.5/2k (max). I am due to remortgage next month and my dilema is this. We need to clear cc bills and do a few home improvements Do we a) remortgage for £60,000 (currently £53,000) pay cc's and do home improvements OR b) keep to exsiting amount of £53,000 and get a personal loan to clear…
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Friday 23/05/08 What small dfw things will you do 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, when…
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MBNA phonecall
Hi everyone, Have recently been in contact with CCCS and have now written to MBNA and Halifax asking them to accept pro rata payments, have today received a call (answerphone message) from a woman from MBNA asking me to call 'it would be in your best interest to call' .... are they trying to coax me in to call them? should…
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Wwyd
I don't know if any of you have catalog accounts with the littlewoods group of companies. We have 2 accounts. One with littlewoods and the other with additions. Earlier this week we received letters informing us that Additions APR was rising from 26.49% to 39.70% :eek: and littlewoods from 29.8% to 39.7%:eek: :eek: from…
