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Weekly Spend Challenge W/C 21st Feb 2010
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Pay off loan or save
I have a loan where the settlement figure is £15000 and have just come into enough moey to pay the loan off, i am 1.5 years into the agreement and have worked out the the largest amount of interest has already been paid and that I would be better off putting the money into a savings account than paying off the loan. As far…
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In debt and In love with a Mexican.
Hello all, I have read the post by the scouse, and a few of the diaries on here, and I have been on these forums for a while, but only recently as someone who owes money :think: Ive gone from someone who had £6000 saved to someone in £5000 of debt in the space of 1 and a half years. To explain my below SOA: I was stupid…
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Sunday confession....
Hi all, I've been following threads on here for some time now, and finally decided to post something myself. I currently owe... deep breath.... just shy of £22k (£7k Llyods loan, £7k A&L loan, £4k Co-op loan, £2.5k Credit card, £1500 Overdraft). I've been in a DMP for 2 years now through a 'vulture-ous' company who seem to…
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Help - DMP & Business Bank Account Self Employed
Hello Guys, Here i am again, Sunday morning, coffee in one hand, calculater in another :( I have been umming and ahhing for months about a DMP and its the only way for me... I think... The problem i have is my OH is self employed and he has a business bank with Abbey... I have a loan and CC with Abbey (in my name only)…
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A Big Thank You
Hi all i just wanted to thank everyone for all the advice and help ive gotten from the site. i have been a long time lurker never had the confidence to post much before this week but have been pretty addicted to the site since i joined in 2007 back then me and OH had just over £65000 in unsecured debt and although we…
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Question re: GAIN
Hi, I have a GAIN (Gone Away Information Network) marker on my credit file which is linked to a company I used to owe money too but is now paid and I have no record of the debt on my credit file as it has dropped off it due to it being over 6 yrs ago. My question is can I get the GAIN marker removed as the account is now…
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NCO/Westminster Solicitors
Hi, I was wanting a bit of advice. My boyfriend had a calling card from NCO Europe saying someone was going to call, they never did. He then got a letter from them stating they were working on behalf of Orange to recover just over £300 - it had an 8 digit reference number on it. My boyfriend did have an Orange contract…
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Debt free reminder - Phone calls
Just crossed my mind (after posting CRA telephone numbers) that many numbers we all have to call are 08xx numbers, and whilst hopefully you already know about SayNoTo0870.com, its just reminder to anyone who has forgotten, make use of it to keep your phone call bills to a minimum.
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Default Removal
Hey everyone, I have a default which is due to be removed from my credit report in April (6 years is up). Other than the default my credit report is good, no recent searches, not missed a payment in years. My question is probably stupid but will my credit score instantly improve upon the default being removed? Thanks…
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newbies to forum thinking of selling home to pay off debts!
Hi this is the first post to in these forums I have also posted this in the cccs forums. We have just dug our heads out of the sands - thanks to the call from the bank warning us to stop spending or lose our accounts!- and realised we are a shameful 40k in debt on credit cards. My partner and I have 3 children, and have…
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I've messed up big time
I've always been rubbish with money - just over 6 months ago I moved out of my ex's home and have since gotten more and more into debt. I'm at breaking point now & don't know what to do - I cant get any more credit. I need help and advice. I get paid on Wednesday so will need to know by then what I should be doing.…
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Capquest
Today I have received a letter from Capquest to my new address (hope my partner doesn't find out), saying I must contact them regarding Barclaycard Visa debt - I can type details of letter on here if need be? They have previously sent a statement to my old address (my parents). Shall I send a proove it letter to Capquest?
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DMP and improving credit score
Hello Just wondered if it was possible to improve my credit score while on a debt management plan? many thanks
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Default Notice needs to go.
Hi, I have been on a debt management plan for about 3 years now, with various companies. I have never missed a payment but one creditor has stuck a 'Default Notice' on my file for not sticking to the original agreement. This was put on in 2007. I am in a position now to jointly buy a house with a substancial deposit. I…
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What would you advise me to do now
Hi everyone im new here and this is my first post so here we go, many moons ago I had a HSBC CREDIT CARD. I couldnt pay it and after a while I was paying minimum payments to a firm called Metropolitan collection services. They then sold the debt to a company called Phoenix Recoveries (UK) Limited S.A.R.L., who then…
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debt management plan
Hi just joined this forum today! I have a quick question..... I have been in a DMP for about 2 years (still a long way to go). I am receiving some money soon that could partially pay off my debts (but not fully). If my creditors agree to a partial settlement, how would that affect rebuilding my credit again. Is it better…
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DMP and Insurances
Hi all, Just wondering if anyone knows the situation re taking out insurance when on a DMP? I've been making payments to CCCS for 6 months now and during that time have been defaulted by one creditor. Its that time of year when I need to renew car and home insurances. I pay monthly at the mo by DD and being on a tight…
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Ratio Money
Has anyone on this board had any dealings with Ratio Money they claim to investigate miss sold credit card & personnel loans & PPI. Is there anyone on this forum that has had a good experiance with them ie have you had any debts written off by using Ratio. I'm asking becouse i currently have three cases with them at the…
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Payment Plan Help!!!!!
I had a visit from a Bailiff regarding a court fine for speeding which has gone upto £295, Once the Bailif had left a letter I phoned the contact number, I was given automated options and had to offer some form of payment, so I typed in £30 a month which I can afford , my wage is min wage etc and have outgoings like rent…
