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Help Needed or Advice
In june this year i had a major accident i split from my wife after finding the morgage was not paid for 6 months and was told it was due to be repoessed well since it as and all my creditors are on my back too ive been told it as sold i have other large debts to and can not satisfy all of the no-one wants to agree a plan…
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New to board - Ding Moment
Hi Ive just had a ding moment where after basically spending all my free time on here reading other peoples inspirational stories I have decided to get my financial affairs in order. As of 31st Oct this year, my credit rating was 452 which is horrible as I have a joint account with my bf and he has an impecable credit…
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New to board
Hi Ive just had a ding moment where after basically spending all my free time on here reading other peoples inspirational stories I have decided to get my financial affairs in order. As of 31st Oct this year, my credit rating was 452 which is horrible as I have a joint account with my bf and he has an impecable credit…
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about credi file some Q's
Hi all, I'm currently got out of my debts, but my credit file is battered. ( i registered for crediexpert) I wanted to ask for ways to fix it. Mobile phone on my name . (contract - does not appear on my credit file ) and if i take house hold bills on my name, is it gonna help to my credit file ???? Is there any more ways…
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Fed p with debt - going to sort it!
When I married my husband I knew he came with debt due to a messy divorce. However he had a good income and although he had arrears he managed to raise some capital to pay off some arrears and sort some of his debt out. However he still has about 25k of unsecured debt. I have never been good with money and have always had…
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Wafffle.
Heya! Hows it going! I am totally new to this as I have been in major denial about my financial situation. I told a friend about and she said I was worrying about nothing, but I feel I want to get things undercontrol. Basically, for the last three years I have been doing a PhD, which I get funded for, but I am not out of…
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Cabot Financial re MBNA
I sent Cabot the following letter: I do not acknowledge any debt to your company. With reference to the above, we would be grateful if you would send us a copy of this credit agreement, statement of account and notice of assignment. I understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to…
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mommyme's update
Some of you may remember that i had a "plan" to sort out my OH's debt problems . . WELL . . I start my new job tomorrow - am racked with nerves and its gonna be hard to leave my Little one with my mum but it's going to be worth it in the long run . . All the creditors have agreed the repayments andn theres only really been…
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My mum is going to pay my off my debt - I am speechless!
I just got a call from my mum today saying she is going to pay my £3500 debt off as a combined Christmas and birthday present. I was so stunned that I can't even remember if I thanked her. She said she is doing it because I have never been in debt before and I got into debt partly because of circumstances and partly…
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hand your car back
Hi all, not sure if im on the right forum, but am looking for some advice i found the name of this company in one of the papers this week and i just wondered if anybody else had come across them before. if they are legit, helpful or should i just forget it. they are called hand your car back. if anyone can help it would be…
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letter template for Credit Card interest freezing...
:confused: Is it just me or have I seen one... A template for sending to your visa company asking them to freeze interest otherwise bankruptcy or IVA is imminent Yeah, move over in the boat and give me an oar... I'll row for a bit. £3350 in debt and woken up into a nightmare!:eek:
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Help with debt collection agency
I am posting this on behalf of my son. He had a mobile telephone contract with Orange and has been with them for over twelve years. In July a charge for Data Charges appeared on his bill, he queried this and was given a refund of £200. In August and September the charges appeared again and although he has tried to get the…
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DFW Ideas for a credit card free birthday!!
Afternoon all! Its my step-sons 13th birthday coming up and my OH is finding it very difficult to think of affordable things to do. In the past the credit card would have been flashed and fun would have been had. This year we are having to be more creative.....but aren't doing very well!! So has anyone any ideas for a…
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Overdraft question??
Im trying to find the best way to get rid of my overdraft as im pregnant and i would like to get rid of it hopefully before he or she is born... so my question can i reduce my overdraft each month by say £100 or would they just say for me to come back when ive built up enough for them to bother with? if i can at least get…
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Question about credit card cheques
I am thinking about paying off my OD (19.9 APR) with a credit card cheque (6.5% lob) and 3% fee. However I have a balance on that card (see halifax cc in sig) being charged at 12.9%. I've changed current accounts and the Halifax only now has my tax credits being paid in and my review date is Jan so I'm sure they are going…
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Debt Management Programme, is this the best option for me?
I am and have been on a debt management programme now for approx 3 years. This was setup because I managed to get myself into a lot of unsecured debt through stupidity (Approx 60k) and it got to a stage where i could not afford to pay my debtors the minimum payments. One of my debts is with Halifax its a loan and I owe…
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Whats the best way around my overdraft?
Hello, Been reading through the site and was hoping someone out there may be able to help me. I'm nearly 22 and have a car on HP as I occassionally need to travel long distances for work. Everything was fine until I hit an unexpected bill earlier this year and increased my overdraft limit to £450. I'd love not to have an…
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Bit stuck for next 4 weeks and bills to pay!
Hi I have just started a new job after leaving my old one and getting a good sized redundancy package, was being bullied at work and the Union negotiated it and I signed a compromise agreement to basically shut me up in the future. I paid off a big chunk of debt (about £6.5K of debt) and my November bills and I'm now left…
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CCA requests?
Hi there everyone, new to the board and i would just like to say that it has been a huge help to me by relising that i am not the only one to be stuck in the circle of debt :o It can feel a very lonely place at times as i am sure most of you realise. I just have a quick query if i may, does requesting a copy of your CCA…
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Has anyone ever had to reduce a dmp payment temporarily?
Hi With being made redundant we have only one income, I spoke to Payplan and advised them of this, and that I needed to reduce by £90 the dmp. This has me worried as most of my creditors have accepted the DMP for over a yr now. I am hoping to only have to reduce it for Nov/Dec but I am just a bit worried they'd be funny?…
