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How can my boyfriend get a credit rating?
How can my boyfriend get a credit rating? He has no credit history, and no job at the moment. I have tried applying for store cards, credit cards and catalogue accounts for him online, with no luck. He has also tried to get a contract phone, also with no luck. Any ideas?
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Hp.... Car Repossession
OK LONG story so hear goes again:D brought a car from fords with ford credit finance had two years all payments being made, marraige break up made this go into arear's By 3 months Fords then proceeded to court But I had made an arrangement with them before hand so when it went to court it was suspended on the fact I would…
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My brand spanking new SOA!
ok so i have changed a few things, cut back on Mac (only for just now though!) haha So this is the new SOA, which i hope will see me through the next few months, until my birthday in Jan, so i can do some serious shopping! Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after…
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Overdraft being withdrawn
Hi I just joined the forum today and would be so grateful for some advice. Has anyone received a letter from their bank withdrawing their OD? I got one saying mine would expire on 01/01/09 its £3,900 and I am worried sick, rung the call centre and they said I have to go into my Branch and appeal via an underwriter We are…
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DFW starting out - any advice appreciated!
I feel stupid posting really because I feel like I should know what to do - just get on with paying! - and we're not, thank God, in a situation where we can't make repayments and have debt collectors at the door. BUT I just feel like this is drowning me, that we're treading water. I'm struggling to sleep since I had my…
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Please please someone help
hi all I am new to here so please be gentle :) I am in a real mess. I seem to owe monet here there and everywhere I owe approx £11000 to one lender £3000 to another and £600 on credit cards yikes, made me cry typing that, didnt realise i owed so so much. I currently have a payment plan set up with the creditors for the…
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Hbos and the data protection act
Hi everyone this is the first time I have posted on this forum and I was just looking for advice I posted on the reclaiming bank charges forum and was pointed in this direction. I started getting calls from hbos in August saying I had missed payments on my loan. I argued and said I wanted it in writing I also sent a letter…
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nO CREDIT RECORD
hi guys, well i've just got my experian (creditexpert) report, and there is no previous repayment history on it, this is because i got into quite a large amount of debt in the mid nineties, and vowed NEVER to get in that situation again! So i went with my dads advice of "if you cant afford it, you dont have it". there isnt…
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My 13 Year old child received a debt letter
First off my apologies if I've posted this in the wrong place. I have just received a debt letter from Intrum Justitia addressed to my son asking for payment of a Paypal debt for my son who is 13 years old. Obviously he has signed up to paypal lying about his age. I just want to know where I stand. I certainly have no…
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Advice needed- in a bit of a pickle...
As you can see from my signature I have a reasonable amount of debt, which I have stupidly added to over the last few months. During these months I also spent my savings which was supposed to be going to pay a chunk off of our mortgage when we renew in early April next year. The amount I am supposed to have by then is £800…
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Help RE: Council Tax Baliffs
:embarasse Just paid £200 off my C/Tax which was what I thought was outstanding on my bill with the baliffs, they have now told me another £176 of charges!? What can they legally charge? What can I do now? I had a letter from then and 1 visit from the baliff where he dropped something through my door. I can't afford to pay…
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scotcall/barclaycard just called round!!
oh my god just had visit from some idiot fromm scotcall didnt actually think it would happen!owe barclaycard about 950 and theyve passed this to mercers and we had letter from scotcall last week saying to pay arrears withhin 7 days or there may be a visit,after reading all your helpful advice i was actually calm at door…
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Need help after seperation
Hi I’m currently going through a separation and struggling to keep things together financially. I’ve a car on HP which I can no longer afford and the lender is now threatening to take the car from me and take me to court to pay the outstanding balance of 10,000. I’m happy for the car to go, but to also have another debt of…
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Argh. On Dmp - just got CC statement through
It mentions 'agreed' payments of £56 (not sure if that's what was agreed with DMP, I'm assuming so but will need to check paperwork) but that every month there's £90 of interest! Is this typical? It means I'm still getting further in debt every month :(
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Help please
Can someone point me in the direction of the form I use for another company taking over my debt please this is urgent thankyoou
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Cifas warning- bank account decline
I have just tried to upgrade my readycash account to a current account - and it has been declined. i have over 1800 going in every month I have checked and i have 3 cifas warnings on my file -- i have written to blackhorse and lloyds - who have said that it was placed because i said i was my current address for 5 years -…
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Are MBNA breaking Banking Code
I have offered my creditors a reduced payment plan and most of them have accepted atleast in the short terms (3-6months). However, MBNA are saying it is unaccpetable and are now offering me a secured loan over my property (The debt to MBNA is £5K) to clear their credit card. - is this legal given they are aware that I am…
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Any advice welcome??
Hello well when our head was still deep down in the sand we got out something on credit which was on a 0% for a yr. This ends in Jan and then it will go up to something like 29% (cant think the full amount at the min but its very high, will findout) and also they will add the last yrs worth of interest on!! so i really…
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Wednesday 19/11/08 What small dfw things have you done today???
:D 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,…
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A little help needed on a delicate subject
Hi all, its amazing when you get talking to people just how many others that are in debt, but after talking to a dear friend of mine I realise theres always somebody worse off than yourself. I am talking about a friend of mine, who doesn't visit this site who has a DMP set up and owes in excess of £25k. She has just found…
