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Getting through the month!
I'm trying to chip off my university debt as much a possible... I have a 3 year plan and paying as much as I can. Technically I should have enough money to get through the month as long as I don't go out too much or buy anything expensive.. but I always seem to run out way before payday! Maybe my guidelines for spending…
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Credit scoring - Mortgage?
I am looking for a little more info to help me understand the way a mortgage is credit scored - i.e. what will go against me etc. I know that it is largely based around affordability/income/value of property etc. I also know that any defaults on any credit accounts will go against you. In relation to my own credit report,…
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Sunday 16/11/08 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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Lottery - No Hope
It's my weakness, each Saturday I buy £5 worth of tickets, hoping on Sunday to see a 3 or 4 figured amount in my online account, and of course it's never there. 14 million to 1 chance, why can't I get it into my head that it's just a poor mans tax. I'm getting better at resisting most silly spends but this pipe dream is…
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sinkorswim's SOA
Just done my SOA and copied and pasted onto this post, as instructed, but it doesn't look like any other one I've seen. Do I need to delete some of the detail? Just keep the headlines? Anyway, just getting my head around the enormity of my debt and have done the 'snowball' calculator as well. Now need to get through Xmas…
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CitiCard incompetence.
I cca'd CitiCard months ago and they initially failed to produce the goods. I complained to Trading Standards, who the contacted CitiCard. CitiCard then produced the cca but as an apology, CitiCards Office of The Chief Executive reduced the balance owing by almost half and agreed to continue to accept the amount I had been…
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I need to find cash quick!
Hello people, I have not long found out that I have to move out of my house and have to find another one. Now I'm searching for a house, but I need to find some money to raise a deposit. I should be getting the deposit back for this place, but I'll need the new deposit before I get it back. I'm currently ebaying stuff at…
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Credit Check Questions
Hello everyone Just two quick(ish) questions. Firstly, does checking your credit rating/obtaining a credit report affect your actual credit rating (as they do searches) And Secondly, how quickly does clearing an account/paying off debts show and affect your rating? Ok actually i think ive got a few mpore questions... I…
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Is there a credit reference agency that will let me sign up with a solo card?
Please? I'm trying to get a free credit report and tried Experian and Credit Expert but I can't use a solo card? I really don't have a clue. Thanks.
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intelligent finance loan
i have a loan for just over £10000,i lost my job and couldnt afford to pay my loan commitments,to cut a long story short,i am currently paying £50 a month to blair oliver and scott,i had a phone call today saying i need to increase this to £100 pm,because i have arrears on my account of £290.i said yes to this,but have…
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Full and Final Settlements
I'm sure this exists somewhere else in this Topic, but I can't find it. Anyway, I have spent most of this year trying to persuade Nationwide to accept a F&F. Right up to their CEO and Chairman. Finally, after a range of responses (from nothing, to curt one liner rejections and to pages of management speak), I seem to have…
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Debz66 SOA, Where Next?
Hi Everyone, I have lurked for a long time and recently begun posting a bit. I have known for a while my finances weren't good with a bit less coming in than out, but this month everything has hit the skids. I am about £70 short on paying my little boys nursery fees (he loves it there and I would hate to lose his space, I…
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My SOA
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1200 Partners monthly income after tax....... 900 Benefits................................ 1200 Other income............................ 0 Total monthly income.................... 3300 Monthly Expense Details…
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I hope I can sleep tonight! Thanks everyone for advice!
Please find below my SOA. In my earlier msgs on the forum, I state that my income just about pays for my essential bills and mortgage payments. Some months can be better and I may have up to £200 extra cash. My credit card debt is crippling me, I feel so stupid to let it happen again..Third time now and this time it looks…
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New here - advice needed please (with SOA)
Hi there I'm new to this forum but have lurked for a while and know how helpful it is and how great the people are. :D Basically my situation is that I'm in a huge amount of debt (mainly due to a gambling problem for which I have been clean for a year after getting the right kind of help). My situation was so bad that I…
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Sinking Quicker than the Titanic! Help!!!
Dear All, Two sleepless nights but today I decided to get to grips with my credit card debts. I have calculated my total income and outgoing expenses. I can just about survive but there is little or no cash left at the end of the month. My solution to that is to rent my spare room again and perhaps find a weekend job.…
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CCA...help please??
Hi, I haven't posted for a while as things were going okay, until now. The situation is I have 4 debts with a bank. They consist of an overdraft, 2 personal loans and a credit card. I went to the CAB and with their help drew up an Income and Expenditure form with pro-rata offers of payment on these debts, plus other debts…
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please help dont know what to do
i owe ebay £44 in fees and have been trying to contact them to see if i can pay it off monthly as currently signed off work and not got much money coming in have never had a reply although have emailed and sent letters i have now started getting telephone call from Intrum Justitia who are very rude and demanding payment…
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Facing up to our credit card debts.
Hi my husband and I have finally faced up to our crippling debts today. We owe around £18,000 on credit cards, much of this was from before we got together. At the moment we pay around £900 a month off these and it is killing us. Ages ago I saw a tool on this site regarding how to clear off credit card debts by paying…
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Been Offered Job (follow on from losing job!)
Hi It's not the best news in the world in the sense it's 20 hours a week care work but it's more the JSA and I'm pleased to have been offered it starting New Year, they've also offered to train me through NVQ which would mean I'd have a trade full back on!!! Thanks for everyone's kind words! At least I know we can pay…
