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Can the baliffs take it if it's not mine?
Morning This is purely hyperthetical (and I hope it stays that way) but.... My brother is travelling round the world, rather than putting his expensive stuff (Plasma TV, Surround sound system, blu ray player, Wii etc etc etc) in storage he has given it all to me to look after until he returns. If ballifs turned up at my…
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*Daily chat thread**22nd Aug 2008**
Heres Fridays list! not sure what I will get done today as I am off to see a potential client today - three and a half hours there and three and a half hours back.. no mse for me today! OH back tonight with DD2 and DD3 so normal service resumed for me last week. Had a treat (I think) last night. DD1 and boyfriend took me…
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CCJ Help Please
Hi sorry if this is in the wrong forum. I have 3 ccjs 2 are 5 years old and the other 4 years old, i've not made any payments on them since they were issued. I was just wondering what happens after the 6 years, I know they get wiped off my credit file but can the creditor re-apply for another ccj once these run out? Thanks…
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Best Ways To Boost Credit Score?
Can anybody offer me any advice here???, Just got a Vanquis card (That I will use to make 1 small purchase a month) I have just got the cashplus creditbuilder plan, is there any other ways I can boost my score?????????? My credit score is really bad.
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Help with moving Overdraft
I wonder if anyone can help me out? I want to move my overdraft to a 0% credit card so I can start to pay it off without paying the charges to the bank (usually between £30 - £40 per month), I want to close the account once this is done & open an account which has not got an overdraft facility. My thinking at the mo is to…
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Paperless Statements - question
If you have marked that you don't want paper statements online with a bank, why do they still send you paper statements for credit cards? At least i get them for Lloydstsb. Do all banks do this or only some of them?
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Debt Diary 2008
Hi everyone! I've been reading a lot of the posts on here for a while, and thought it was about time I introduced myself! I'm 36 years old, live on my own (except for my dog!) and have owned my house for the last 10 years. I have a reasonably good salary for Northern Ireland, but as I'm sure a lot of you can understand,…
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Advise needed please
My partner took out a bank loan of £3000 in 2002, she only paid off a couple of payments and was then made redundant, she stuck her head in the sand and ignored the letters from the creditor, her last contact with them was 3/4 years ago, she then moved address without telling the creditors. She got a letter from the…
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Cold...Cold Winter Ahead!
I am quite upset that the energy giants in this country are getting away with those ridiculous price increases! I have a feeling that this will be the beginning of a cold and miserable winter ahead and I feel sorry for those living in colder areas. How can they justify those price increases? *sigh*.... what are you folks…
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Could do with a cunning plan
Hello all, I've been reading the forums for a while now and have picked up some very hand ideas. I've been trying to get out of debt for a couple of years now, although I've made some progress I keep getting set back by unforeseen expenses. Anyway, I thought by posting here I might transform this from a private vision into…
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Need some help
Hi posted on here previously at my wits end, RBS are trying for a CO no CCJ as yet but that the route they are going down, but essential bills are getting out of control, mortgage gone up by £175, gas want to put monthly payment from £67 to £156, c tax gone up by £22.00, B&Contents gone up by £5 payplan calculated that…
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trying to be debt free
hi all, this is my situation i have an advantage gold account with a £1900.00 overdraft the charges at the end of the month are roughly £30 i also have a current account although i dont have an overdraft i did go over by a few pounds and now the charges are mounting up. I have 2 credit cards one is 0% for 13 months and i…
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yes i am a showoff tonight as i have cleared...
another debt!! whoo hooo received some money the other week and been debating what to do with it!today i finally decided to clear another debt off! just paid £800.00 and cleared my egg card. Didnt bother with f&f as its not a dca so i doubt they would have budged, plus i would rather get them off my back as they are the…
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help!! i can't see any light at the end of the tunnel
I've got home today to find two letters from bailiffs one for my partners speeding fine, thats gone up to £240, another for this yrs council tax (i am still paying off last yrs and have been too streched to pay this yrs to council). theres no food in the cupboards, no gas cos the meters run out of emergency, my parters car…
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Dealing with Debt Collection Agencies
I have some outstanding debts that have now been passed to debt collection agencies, who tell me they are now 'the legal owner of the debt'. Now, I have had dealings with such folk before - with not inconsiderable success. The figure I am after (if anyone knows it) is what price do they pay for those debts? In some cases,…
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DMP vs IVA
Hi all apologies if this is in the wrong place but only joined the site a few mins ago!! right then, i'm currently paying £304 per month on a DMP, have so far paid £2455 since Nov 07. my outstanding debts in total are around £17,000 (waiting for DM company to give me the exact amount) The DM company are now suggesting that…
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iMoney Manager etc...best for 'going it alone'?
Hi all, As per my earlier post (http://forums.moneysavingexpert.com/showthread.html?t=1105087) [in which I waffled too much] I've been to-ing and fro-ing over my SOA with a view to trying to resolve my financial issues myself........I mentioned a charity called sterling trust (http://www.sterlingtrust.org.uk) before but…
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Lump Sum Payment To Clear Credit Card...What Should I Offer?
Hi all, I've been fortunate and have recently come into some money. (enough to pay off the balances on my Credit Cards. :j ) I read somewhere that you can end up paying less than the total of what you owe if you offer to make a lump sum payment. Does anyone know if this is true? And what do you think I should offer? How do…
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Help Getting Out Of Debt Usa Style
Although not strictly the same type of site as Moneysaving Expert while over in the USA I picked up on a site called DAVE RAMSEY .COM http://www.daveramsey.com/tdrs/?CFID=2376986&CFTOKEN=48141905 He has a radio show franchised throughout the USA and runs a no debt system of living called financial peace and it is…
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Bit of advice please
hey all, first post here so hope this is in the right place. basically, when i was younger i took out a loan and a credit card, paid off a bit and didnt pay them off anymore due to loss of job etc, stupid thing i know. anyway, since then, the loan has been given to debt collectors (to which i havnt receieved any contact)…
