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Daily Chat: May 21st
Morning! Gorgeous looking day today. DD is off on a school trip (her first! bless) and is sooooooooooooooooooooo excited. I have to take the cat to the vets this morning and I am really not looking forward to it.... I then have a meeting for work today in Chester which is about an hours drive, I get 40p a mile so it should…
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Unsecured Vs Secured
Hi, I have recently completed a mortgage review with Northern Rock and because the SVR was not much differant from fixing my rate with an equity release loan to took the fixed rate option. I borrowed an increase of £14k with the intention of consolidating my credit cards to make the fixed period affordable whilst the house…
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Credit ratings by experian.
Hi i have a experian credit socre of 999, but it says on my checks that i have a few credit accounts, which i owe nothing on and it says i have debt of 5000 on available limit of 26000, should i close the ones i don't use or leave them open to show how little debt compared to available, which is the way to go, i'm thinking…
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What would you do?
I know i'm the only one who can make this decision but I was curious to find out what you would do. My husband and I are 20k in debt. He earns an ok wage but i'm on a low low salary. I have been in my job since September and I love it. I really enjoy it and the people are so so nice - i've never had that in a job before.…
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Information shared between banks
When applying for a loan (e.g. a professional studies loan from Natwest), they do a credit check. Can Natwest see how many bank accounts I have and with whom or not ?
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Cant see a way out
I am in an awful precdicament and cant see a way out. My partner has been living with me for about two years.When i met him i knew he was he was in debt but understood that he was sorting it out.I have done everything i could to support him with paying off his debts but unkown to me he has been ignoring every letter that…
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cheeky cass :P plan to get debt free
Hi I am new to this:confused: . It al lstarted afew months ago when I started to get letters from company's saying I owe them money and if I dont get int ouch witht hem they will mak conatct with me :eek: . As I was unemployed and had no money I left it and now it is getting worse and worse. I have now started a new job :o…
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Littlewoods Direct APR increase WARNING
Sorry if this is posted in the wrong place, please feel free to request it to be moved to where it will be read by the majority. I work for Littlewoods, and staff have been given a briefing to advise us that customers APR rate is increasing from typical 19.9% to 39.7% if their balance falls below £1,000. This will be…
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Mothers and sisters debt coming to my door
Hi all, I have a dilema which I could do with some advice on. I hope I can explain what is going on as its a little confusing. My mom and sister have run up a £1466.94 debt with the Grattan Catalogue. I used to share a flat with my sister up until 2 months ago. The statements for the catalogue are in my mums name but are…
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£57k in credit card debt
Hello, half witted, head in the sand thats me !, have got myself into massive debt £57k across 7 credit cards - no big purchases just living beyond my means for 4 years and then using one card to pay off another etc etc. Anyway 6 months ago I decided enough was enough cut all the cards up , got rid of all non essential…
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managing debt
i have several unsecured debts amounting to approx £10 000 that i am now struggling to repay. i am thinking of entering into a debt management scheme, has anyone any advice please?
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Surprise student loan payment??
Hi, I am not sure whether this is the right forum for this question but I am not sure where this should be asked and besides, I am sure someone will move it, if appropriate.. I filled in a self-assessment tax return in Jan' 08 and paid what was due. I did it on-line where the on-line calculator works it all out as long as…
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Anyone else got a spam PM from a troll called GLEKA.....
As the title says, got a PM from Gleka ...."let me how you get on with your complaint" and a link to the complaintcommunity.
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Bunny's New Life SOA~Comments Welcome
Well, here goes: I've never done an SOA but now that I am single, I REALLY need to stick to this like glue. I know I have over estimated on some bills but I'd rather be paying too much then be wacked with a great big bill! Also, my wages are what they are currently but do not include any commission I will be earning (that…
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ccj helpppppppppppppp
Hi, can anyone help me a year ago i lost my job and was unable to repay a bank loan with hsbc i stupidly thought this debt would dissapear and ignored all letters! When the letters got really nasty i told myself this could not be ignored and phoned up the company who had bought the debt from the bank ,we came to an…
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First Time
Hi. First time on here so sorry if I ask some obvious questions. I'm hoping this is a case of 'better late than never' in terms of sorting my life out. My main concern is regarding a DMP which cccs site suggests I should try. I have £80,000 worth of unsecured debt, (£40,000 spread over 4 credit cards - £40,000 with…
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Advice Please
Hi there, I am in the process of paying my debtors back everything from a few years ago and doing this monthly through a company called byrom and keeley who are paying them off small amounts each month, every body bar one have accepted the payments. I received a letter yesterday from Ruthbridge saying that they are…
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Lloyds Tsb / Sechiari Clark & Mitchell
Hi, Been On A Dmp Since March 07 With Cccs. Has Anybody Had Dealings With Lloyds After Receiving Letters From The Above, I Have Responded To All Communications As I Prefer Not To Speak To Them, But Have Had A Message Asking For Me To Contact Them (had A Call A Few Weeks Ago And They Wanted To Accept Payment If I Refinanced…
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Iva's, gambling and debt collection...
Hello, I have never joined a forum before, but from having read other entries on here, I hope someone can help or advise me.I have been married for 7 years and 5 years ago I discovered that my husband was a gambler. He was very upset at his situation and we took out a loan each to consolidate the debts. 2 years ago he…
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Sky v Virgin Media
Not sure if this is in the right place, but has anyone ever gone from Sky to Virgin Media? If so, were they better / worse? What was the customer service like? We need to save pennies wherever we can, and this is one way of doing it. TIA L x
