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HELP NEEDED on Car Finance
Hi all, I need your help regarding a couple of questions on my car finance. Basically, I took out Car Finance and have just over a year left with the final payment in May 2011. I am paying £140 per month although I start a plumbing apprenticeship in 6 weeks so need to get rid of the car. My brother has said he will have it…
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Fed up of bills!
Car Tax increases - what for? dodgy roads never fixed! Increase in petrol prices i am so annoyed with the governemnt why cant they give us a break???:mad:
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Confused by credit report
Hi, first post so apologies if I make a mess of anything. I'm a 30-something male, relatively recently told by an expert on ADHD that I have ADD, which explains quite a lot throughout my life (I come from a family for whom that sort of thing doesn't exist and is all made up)! I've always had something of a problem grasping…
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Is debt management the nail in the coffin?
sorry for that depressing title... I am new not just here but in the last 2 days am facing my 25k debts rather than hiding them from myself and borrowing more for the pleasure. So you see this realisation is like an avalanche to me, all started by the realisation I had no idea how I would buy my 2 sons some new shoes…
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do need to check all agencies
Following on from my other post i have had 6 late payments showing on my experian after having a lot of trouble with british gas, they have said they will be removed within 24 hours, will i have to check equifax and any other agencies to make sure they have been removed? Or as soon as they have been removed from experian,…
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new employment needed any ideas
hi i live in hull well just outiside i have worked in private health care for over 10 years now and i'm thoroughly fed up with the company im currently working for the wages are bad and the organisation doesnt care about its staff ive worked shifts for some many years now i want something more settled and secured im on a 0…
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Trying to be debt free but work is costing me so much!!!!
Hi everyone, I have just come on here for a rant really so here goes! My job is doing my swede in!!!! Everyone seems to be rich and want to go out all the time. Tonight for example they are in the bar and friday they want to go to town. Then I get a monthly bill from our bar for £15 which everyone hasto pay (but I bet im…
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How I removed a DEFAULT on my credit rating - Success!
Yo what’s occurring, Bit of success that I want to share with you guys as you put me in the right direction to get my DEFAULT removed from my credit rating. I thank you, very much! ####ABOUT ME#### Ok I use to have a HSBC student account which I had while at Brighton Uni, the overdraft facility was set at £1000, my account…
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credit report correct?
i logged into experian to get a copy of my credit report. i wasnt sure what to expect as i had just finished my trust deed in may 2009. well when i look it didnt show up anything relating to trust deed, like the companies it had been liked to etc.in fact it looked spotless. is this correct? it had all my previous addresses…
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OK Ive used the budget tool and been onto the CCCS what now?
Following the advice from the budget tool, I am pasting my info here. Basically got into difficlulty using credit to live on when had to REPAY council tax and housing benefit. It has spiralled sice then. I am doing an OU degree to get a better paid job, currently work 38 hours and do the coursework, so no time for part…
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Are credit reports worth the paper they are printed on?
Is it yet another modern myth peddled by the finance industry that credit reports/ratings actually mean something? The way i see it - you can have a squillion defaults/late payments/CCJ's on your file and still be approved for things. It will always be down to the company in question weather you get a specific product or…
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Credit Reports
Hi Can you good people tell me the best way to get a copy of both mine and my husbands credit reports. I am in the process of trying to get us 'sorted' financially and would like to check the reports to make sure i have everything covered. We have never defaulted on payments (as far as i know!!!) but would like to be sure.…
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Please Help
My husband had an account that went into default in 2007 during a time when he had a breakdown the company (first response finance) gave teh debt to Shoosmiths to collect. The starting balance the gave us in September 08 was £7971. I have been paying this off at £150 per month as agreed. At the begginging of this month I…
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Extra cash - pay off defaulted egg loan or not ?
OK - so I have a debt with Egg - A defaulted personal loan with £6500 remaining to be paid. Egg have been agreed to accept £30 month and have actually been paying £80 month for the last few months as I have had more than I expected coming in but am back down again to £30 / month. Interest is not being added to the…
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Paying by cheque
Hi guys, Not sure if this is the right thread but it's a start... I'm a radio producer at Radio 2 and am looking for a couple of case studies to chat to us in about 3 weeks time. I'm specifically looking for someone who only pays for things by cheque or cash and refuses to pay by direct debit or online. If this is you, or…
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Council Tax Summons - Help
Hi, I am a tight Scot who tends not to pay Council Tax until the end of the financial year, usually this means I send payment in full around middle of March to cover the whole of the previous year. However, I decided to pay them £500 last month just to keep them happy but now, weirdly enough, I received a summons! :rotfl:…
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Credit report - can you help me
Hi I want to apply to the credit referencing agencies to receive my statutory credit report. I believe the address they have for me is probably incorrect. When I ask for my statutory report my understanding is that my request cannot be seen by my creditors. My question, though, is will the credit reference agencies update…
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Online credit how do we stand?
I got a catalogue back in 2004 online, they sent me out Credit agreements and I know I never sent them, I sent them a £1 cheque and asked them to supply me with the signed true copy CCA, they haven't and as I know cannot? can they still pursue me? I don't know wether to send in an SAR with £10 but does online make any…
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Why? Im scared
Hi, after being told i look like a certain person or people - i have plucked up the courage to just mail a couple of look alike agencies to test the water if you like! I have been asked to send pictures (which i knew they would) but what if they laugh at me - because i cant see me being anythin like these people but lots…
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Allied International No Contact
About 4 weeks ago, Allied International contacted me out of the blue to ask why I stopped making payments to them in December 2004! They were concerned as to why I hadn't spoken to them in 5 years. Now I did not like the attitude of the guy on the phone and refused to acknowledge the debt or answer security questions. He…
