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Help re Virgin Credit Card...
Good afternoon We have a Virgin credit card that is almost at its limit. My husband called them today to freeze interest and negociate lower payments for a couple of months while we get things straight (we have just seperated) and they refused on the basis we were not in trouble with the card and they will only do…
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Soa
My SOA: Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1065 Partners monthly income after tax....... 300 Benefits................................ 652 Other income............................ 0 Total monthly income.................... 2017 Monthly Expense…
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Cash Converters Buyback Loan
Hi all, Poor student here, and I don't have enough money to pay this month's rent (£41 short) which is already overdue. I was considering putting my iPod in a Cash Converters Buyback Loan for a few weeks until I'm paid again and can buy it back. Are these any good? What are the fees? The iPod is an 8GB Black 3G (video)…
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Can anyone advise me on a debt that is statute barred?
Hi, My husband is being chased for a debt in the region of £12K. We have had confirmation from the company that £6500 of this debt is statue barred. The debt dates back to 1997 and the company only contacted my husband regarding it in October 2006. They are now demanding full payment. I have read about the statue of…
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Got CCJ set aside... what do I do next?
Hi Everyone, I'm not sure if this is the right place to post but it's my first time so apologies if it's not! Anyway, I got a CCJ back in November 2007. I got it because in September 2006 I was involved in a minor car accident. There was a dispute over who was at fault. The insurers involved decided it was the other guy's…
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credit report help
after applying and being accepted for a credit card with capital one i have accessed my online credit report with equifax and im shocked at the information they have one me. everysing credit account bar one is green with no defaults etc halifax however my basic account i cannot get rid of shows and arrangement to pay in…
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Should have done this a looooooong time ago....
Right, here goes. My name is Michelle and I am completly, and utterly, rubbish with money. If I want something I have to buy it. I need nothing, it's always about want. And I've decided it's about time to sort myself out. Have spent this morning trying to put an actual figure on my debt : as terrifying as it has been, I've…
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Facing Repossession, please help!
Facing Repossession, please help! Hello im in a right mess, first of all im posting becasuse i hope one or more of u clever people can give me advice and help me out! Im 23, my parents have been living in their home since 2001. My mum and dad both lost their jobs and now we face a third court date for repossession. The…
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SOA - any advice?
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1670 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 223 Total monthly income.................... 1893 Monthly Expense Details…
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Not My Debt....
Good Afternoon, I am writing to see if you could give me some advice. The beginning of next month I will be moving into a financially “blacklisted” house. The tenants, who were evicted, ran up a bill with nPower (gas) for over £1,800 pounds. As well as that there are loads of letters in the house for debt collectors and…
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satisfied judgement - whats the point??
howdy, Newbie here, so sorry if i am in the wrong place :-) quick question - what it the point of satisfying a CCJ? I ask this because i received a CCJ for £170 in Feb 2006. This was satisfied in november of the same year. this one satisfied CCJ is causing me nothing but grief!! can't even open another bank account! i have…
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Should I do this?
Hi everyone. I need some advice on a sensitive issue and can't speak about it to people who know me so any help is greatly appreciated! My parents are in a rather sticky situation and have a fair bit of debt, and with the bite of the credit crunch they are finding it harder to deal with. THey have credit card and loan…
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Inexpensive dates.
Hi Everyone, I'm fairly new to this board and have recently worked out mine and OH's SOA which was quite shocking. I then worked out what I think is a reasonable budget which will enable us to pay off debts in just over three years but still have a decent standard of living. I have allocated a small budget for "date…
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What is the best way to buy a car?
I wasnt sure where to post this, so please someone move it if it would be better somewhere else. I am BR, hubby isnt. He has a 5k loan, with 4 years left to run on it on which we are paying £129pm. He also has a credit card which is just about at its limit of 2.5k @ 17% (Ouch!) I am due to get some money through for a…
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Not Sure What To Do Next
Hi all I am after constructive advice and guidance over what I can do about finances. I am a married mother of two, with another due in October. I am working full time, but start maternity leave on October 4th. OH is self-employed, but not currently taking a wage. We had a shop until the end of May and are working towards…
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Maybe fresh eyes will help?
Hi Im hoping you guys can offer some fresh ideas, (i dunno if anyone has seen my diary) but here it is in a nutshell.... Im on a low wage, get no benifits and can just pay the bills everymonth but i was managing to pay off my debt (very slowly and in small amounts) well i was doing of (nothing major) but hey bit by bit…
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Not sure what to do
Hi myself and my wife are currently £27k in debt spread over credit cards a loan and overdraft. We have always had some debt but not to this extent. Four years ago I started my own business as i hated the job i was in. We werent making much at the start and costs were high and In my previous job i was paid monthly and on a…
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PaP/Moozie's What will you spend/have you spent today Monday 8th September thread
Good morning everybody :hello: :hello: :hello: I'm sorry if I haven't ben about much, over the weekend - we have had my Sister in Law, daughter and her two granddaughters over from Italy, and I have had to spend some 'quality time' with my family. Unfortunately, whilst it is great to see them, it has not been a very DFW…
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Guarantor / Credit Union / Default question - Urgent!
Hi all - Further to a previous post a year or so ago... Ill basically explain situation. 1. My father acts as a guarantor for a family friend (stupid, I know) for a £2000 loan with the credit union (a local, irish-based money-lending service - decent rates etc) - think for loanee's wedding. 2. Loan is happily being repaid.…
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I'm new on here and have a few q's re dmp
I am thinking of taking out a dmp, this is what the CCCS has recommended anyway. The thing is it will take approx 9 years to pay off, however my car is on it's last legs, so would you buy a new car (poss on credit card) or is this i a dangerous route to go down?? Also does anyone know of anyone that was on a dmp and got a…
