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Advice on car leasing
Hello everyone - I am currently on a DMP with Payplan and have been for 3 years. My problem is that my car needs replacing (it has done 300k miles and is over 16 years old). It is no longer worth repairing. As I do a 100 mile round trip to work every day, I don't think my couple of hundred pound savings is going to get me…
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credit check for new bank job - very scared please advise?
Hi there I have recently accepted a job with Yorkshire Bank and have to have credit checks and criminal checks etc. Does anyone know what they check for? Is it just Default, CCJ@S IVA etc?Or is it dependent on score? My credit only has a few lae payments and none of the above but not a great score due to lots of searches…
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Advice Needed
Dear All, This is my first and I'm getting to a stage with debt where it is becoming unmanageable. I currently owe £22k approx on top of the mortgage. These are as follows Student Loan - £8000 Personal Loan - £7000 Credit Card - £7500 Overdraft - £850 The main issue has been an unplanned for increase in my wage which has…
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Credit Card payment Insurence
Hi I have recentley beeen trying to pay my cards off. Going through all my statements I'm paying quite a bit a month in insurence, is worth cancelling the insurenceand pay the extra on my cards ??.........:confused: Kev
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My SOA - Suggestions needed
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1386 Partners monthly income after tax....... 720 Benefits................................ 155 Other income............................ 0 Total monthly income.................... 2261 Monthly Expense Details…
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Gutted, Grumpy and need an ear
I'm annoyed and want to vent and I know you good, caring, understanding people are willing to listen to my little winge. Since 2007 I have been with payplan, surprisingly once payplan sent the creditors the letters they all agreed, and all but one stopped the interest and charges. I haven’t had a call from any creditor…
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Provident, council tax onto credit reports....
Just read a piece in The Times about doorstep loans (Provident type) going onto credit reports from next month, also credit-card behaviour patterns, utility payments, council tax & local authority rent records may be going on in next 12 months...…
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Ok, deep breath I'm going to reveal all!!
Hi everyone, it's my first proper post on here so be gentle! Me and my husband owe alot of money and are trying to sort it out and I'm getting very scared now. We owe £45,000 in total plus a £55,000 mortgage which we are tied into for another 3 years at a good rate (that's the only thing we've done right.) Our 45k debt is…
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What to do...
Hi all I have a dilemma, and you're the best people to help me :D I have £700 from the sale of OH's car sitting in the bank. It's been there a week cos I just can't decide what to do with it (not random spending, you understand!). I have 2 options: 1) OH's Barclaycard LOB 4.9% card is now at £1150. I could pay £700 to this…
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How do I do the clicks thing on Quidco
Happy Saturday everyone! I'm just starting to pick up on these ways to earn extra cash - I've joined quidco but don't know where to click to earn using shopbots - can anyone help???:confused:
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Debt issues from the past have come back to haunt me
About 10 years ago I was very credit worthy with a number of committments like credit cards, loan, mortgage and overdraft. I lost my job and it got to the point of losing my home. I tried to discuss my situation with my creditors who would not help and just promised me visits from the bailiffs. I lost my home and decided…
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plz help debt from 1997?
In 1995 I opened an account with TSB, in 1997 I took out a overdraft of £500, But soon after that I required a small car, so I took out a loan to pay off my overdraft and pay £600 for a small car. They insisted I take out Insurance on the loan, on which covered me for sickness job loss etc, which reluctantly I did. I was…
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Query about upcoming DMP
We have completed the CCCS enquiry form and they have proposed a DMP which we are happy with. The next step is for us to email back and wait for our welcome pack. Once we have agreed and sent signatures to CCCS what happens? Do we start paying from the next month or do we have to wait for all the creditors to agree to the…
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Moral Debt Dilema
Hi all My husband runs a small business that his parents helped set up and take a small proportion of the profits, I mean very small really, but they put in all the money and husband runs it. Due to his previous credit problems, he was unable to get a business bank account and his parents opened one on his behalf, he has a…
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Arrow Global/Fredrickson International
Hi guys I need some help! received a letter from Arrow Global this morning saying they now own a debt i owed to Orange Communications. the debt is old but not statute barred. Glabal have appointed Fredrickson international to collect on their behalf. My question is: I know that mobile phone contracts are not included in…
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ID Theft ongoing problems-please help
Please can you help, I'm almost at the end of my tether... Last year having recently moved house, I started to receive Debt collection notices from various companies concerning catalogue accounts which I had not set up and knew nothing about. At the same time I required a loan and I was turned down by this despite never…
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Not sure where to put this - catalogue debt
Hi, Sorry I didn't know where to put this. I am pretty sure my mum owes a debt to Littlewoods. On visiting my mums house I saw a letter on the side re a debt and advising about a ccj, but couldnt see anything more than that. Also a number keeps ringing my mum and she says leave it its sales again. I jotted number down…
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Saturday morning in work :(
Morning all, Just thought I'd pop in and say hi, as I'm stuck in work all day today :( Well, guess it has one advantage, whilst I'm here I can't be out spending money! :o :rolleyes: Anyway, if anybody wants a coffee, the kettle's on, but you'll have to bring your own milk as I forgot....:mad:
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Saturday 17/05/08, 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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Daily chat thread Saturday 17th May
Ok i've sat here for ages waiting for someone else to start it buit i'm soooooo impatient :rolleyes: i've been up for ages and am in work at 11 so going to look into this free laptop with aol business anyone tried it??
