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Should I pay off a loan? Advise
Hi, I have a few loans and one is for my car. I have been thinking of paying off this loan with savings. I could just about pay off the loan in full but this would leave no savings. Is it better to keep the cash on the hip so to speak or pay off the loan? Cheers, Wallsy
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NCO Europe?
Hey guys, its been a while since I posted here, last post was regarding my dealings with Moorcroft (I have never had another call off them and only receive letters every so often from their other 'companies' such as Midas Legal Services etc.) But this evening at around 8.20pm I receive a telephone call from someone who…
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HELP!! 4550 overdraft,worried it will be taken away
hi, i currently have an agreed overdraft limit of 4550 with lloyds tsb.that agreement is up for review on the 7th jan 2010 and im really worried they will jus cancel it,which im well aware they are within there rights to do. i am and will be in no posistion to pay off the od if they were to call it in.does anyone have any…
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This Xmas wont be the same!!
Evening all, I was hoping to be in a decent financial position this xmas time, we was hit with the farepak scandal a few year ago and last year was my daughters first xmas so we me and my partner made sure her and her sis was looked after Xmas present wise and just got each other a little something! This year I wanted to…
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Statute barred ??
Quick question that i hope someone can help with. I know a statute barred status can apply to a debt after 5 years in Scotland but takes 6 years in England. What happens if a debt occured in Scotland and then the debtor moves to England years later? does the statute barred still take affect after 5 years because that is…
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Tesco vouchers.....
Hi Peeps, I have about £40 worth of tesco vouchers and just wondering how you use them towards say a hotel or days out we are thinking of going to London for a weekend in FEb ...............any help would be greatfully recieved.......... thanks:beer:
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Token payments or bankruptcy?
Hi I have spoken to CCCs today and the information that I have given them, they recommend bankruptcy, I only have £42 a month to pay 13 creditors, in total I owe £65K. I do not want to go down that root, so they have said that I can do token payments, how long can this last? I am with payplan at the moment and I have been…
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Starting to drown. Please help!
Hi everyone Have been reading some of the forums and it seems there are people out there who can help me. We are starting to drown and we need help. I currently work 3 days per week and can't do anything about this until Sept 2010 at the earliest. Here's our SOA, hope someone can give us some advice. Household…
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DEBT FREE DAY < 6 Months
Anyone else gunna be debt free by end of March 2010? I wana start a club!!
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Question for anyone currently on DMP,who has sent off CCA requests.
Hi,I am currently on a DMP with CCCS,which has been running for several years now.The trouble is,the balance doesnt seem to be going down a great deal,despite increased payments.My question is if I go down the CCA route to my creditors,should I stop paying them through the DMP with CCCS,or carry on?Any advice would be…
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Nat West doing my head in
Hello people I opended a co-op cash minder a\c and transferred all my direct debits for essentials (tv licence, utilites insurance etc) I wanted to cancel my dd to Nat West with whom I have a loan as there would be no money to pay it, I am on ESA and my redundancy pay has run out. they told me I could not cancel a DD that…
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Debt Free at last - What Steps Now?
I have just become debt free for the first time since I was 17 (I am now 32!). I am wondering now what important steps I should be taking in terms of building up a decent credit raiting from this point? I have been on a DMP with CCCS but received an inheritance which just covered the remaining balances. Up until now my…
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Struggling with monthly payments
Hi everyone. I have finally decided that trying to juggle my monthly payments is becoming a real struggle and I need to face up to my debts. I am not really sure how I go about this and have posted a Statement of Affairs showing my budget. Do I need to go through a debt management company to deal with my creditors or can i…
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Council Eviction - a friend in need
Aa friend of mine got into difficulty a few years ago, over loss of incapacity benefit and fell behind on rent and council tax. Also has crisis loans ongoing. It appears that teh council took him to court over teh unpaid bit.... was warned that if he came up again to court, he would lose his home. So for £283.00 the…
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strangely elated
Hi everyone, I have finally had the courage to sit and add up all my debts (over £38,000) I have been putting this off for ages, but feel quite elated :j, I know its gonna take me a few years to get straight - but I know i will do it! and why i want to do it! I have got a rainy day fund (about £25000) and also a couple of…
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Hi all, Im new Needing some advice on Overdraft - Balance transfers ETC!
Hi all, I've just started working for myself, as a Mobile mechanic but it has been slow starting, and start up cost have really affected my income not to mention fuel costs for the van. Recently I have fallen straight in on the Overdraft nearly using it all (1500) and also have a loan that I have paid a bit off, but still…
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no hot water, no heating, no money
My central heating/hot water has packed up, B Gas say it will cost about £1600. Which of course I don't have and can't borrow as I am in a DMP. PayPlan and National Debtline have no ideas. I can't claim any grants as I am single, in good physical health and not a pensioner. And earn too much. If I can't wash myself or my…
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a few questions
Well just a few quick questions, I received my experien credit report the other day thing is i thought they gave you an actual numerical score or am I wrong. second thing is I just moved and re registerd on the electoral role now...why is it actually so important to be on the role and does it go towards your credit score.…
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Help! Huge bill for gym membership I cancelled in 2008
Hi, I took out a 12 month fixed term gym membership with Leisure Connection Ltd @ my local council run leisure centre in 2007. It was a joint 'couple' membership for me and my OH. I religiously went 3 times a week after Jan '07, until in the summer of 2008, when their airconditioning units broke, and were not replaced for…
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budget to avoid debt and save regularly
hi all :hello: just after a bit of guidance really, i bought my own place earlier this year and have worked out my budget of sorts, wondered if anyone would be so kind as to cast an eye over it, my income is £1430 per month take home and i am trying to avoid debt and start saving again £385 mortgage £17.44 home insurance…
