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drastic action required !
hi everyone , let me start by saying i need all the help i can get .Im currently a full time student and work part time ,my partner is working full time .As of the end of the month he is going to be out of work sick for 6mths(due to surgeries being carried out on both feet ,only being done one at a time so will be unable…
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How can i reduce my APR
i'm looking for advice to reduce my annual interests rates and pay of my debts as quickly as i can. The following are a list of my debts; 1. A&L Unsecured Loan £25,000 connected to mortgage taken over the lifetime of the mortgage 25 years APR 2.49% 2. Lloyds TSB Unsecured Loan £11,000 over 8 years, monthly repayment of…
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Emigration
Hi guys, We emigrated last year to New Zealand and took with us about 10k credit card debt, we have been paying it off since being here but money is very very tight now on the new zealand dollar and we are not sure how much longer we can go on paying it. I know if we dont pay it our credit score will be ruined in the uk,…
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going from monthly paid to weekly paid
Apologies if this isn't the right forum! For the next few months I am going to be paid weekly rather than monthly, although we anticipate this will change back to monthly payments in May. Does anyone have any advice or tips on how to manage the transitions?
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Any help?
Hi all, i've been in Australia for 1 year. Before I left, I had a £740 debt to Lloyds TSB which was a result of snowballing bank charges. Begrudging to pay this debt, I ignored it as my proceedings for reclaiming the charges were going through - if I won, this debt would be non existant. So off I went to Australia. The…
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help with paying for a baby with debts!
Hi everyone this prob seems random, but you are all so good at giving advice! Basically I am due my 2nd baby in 9 weeks! another little boy, and I having been dealing with my debts and feel I am now on the right track, having a little bit left over each month , and meeting payments instead of burying my head in the sand. I…
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Another small success
Just to say that I'd share a bit of my success as this is the first month since I can't remember when that after all my bills, payments and general spending has been done I'm NOT into my overdraft!! Now I know that doesn't exactly warrant shouting from the rooftops but its a big deal to me after YEARS of being in my…
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I need some advice please
I phoned my credit card company to explain that i am have some financial difficulties. I have just had a baby and am struggling to pay the minimum amount. I explained this and spoke to a man who was not interested in listening to my situation, all he wanted was a payment from me, i explained that i havent got any money to…
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Claiming charges and overtunring balances
Has anyone had any experience of Kerobo Claims Ltd? I recently looked at their website and filled in the quick free survey on the homepage to find out if I had a claim against my credit cards/loan if they were started before April 2007. They came back to me saying that it would appear that I could have a claim and i would…
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County Court Judgement - Help & Advice Please
I've just been reviewing my credit file and have noticed that a judgement was registered against me by Thames Water. I was aware of the application, but not aware of the fact that if I settled within one calendar month the debt wouldn't be recorded. The Judgement was recorded on 11/12/2008 and I settled the debt on…
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Help with some number crunching...
OH has car finance. The current settlement figure is around £4.5k. The APR is 15.8% and it runs until September 2012. He pays around £185 a month. I've just been offered a 0% card for 15 months with a 2.9% BT fee. My math says that making that payment would clear the car in 21 months. We'd aim to clear that last £1k as…
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Really struggling!
Hi folks, This is my first post on this board, and I'm not even really sure what I'm hoping for. I'm hugely in debt. There are various reasons for this (messy divorce, job loss, borrowing to pay off debt). But the long and short of the situation is I'm really struggling to see any form of brightside/light at the end of the…
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Some advice please?
I have accumulated a debt of around £6000 over the last few years on credit and store cards. In the past I've been able to pay off the balances in full each month from my salary (I'm part time enployed and part time self employed) but then ended up using the cards to cover the shortfall and have ended up in a vicious…
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Weekly spending & Budgeting
There are two of us and we are not very good at budgeting....at all....and we need to tighten our belts a bit more. We seldom go out, buy clothes or unnecessary items but I often feel that if we just took out so much money per week in cash and spent only that we may benefit. So I'm wondering how everyone else budgets their…
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Group hug desparately needed!
Hi guys, I've not posted since just before Christmas as it all seems so depressing I am trying to block everything out but today I feel so low I just needed to come on here and depress you all too. I finally started my DMP on the 1st Jan this year and thought things would only get better but no, the saying kick you when…
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Experian Credit Check - settled accounts
Hello I have recently viewed my credit status using the experian free trial and have noticed that my report just contains lots of settled accounts (about 15). If they are settled does anyone know if this means closed? I know it does say they stay on your account 6yrs but I am panicking that maybe if they were closed they…
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SOA - ideas please
Hello I have been following this board with interest and am signed up to a few of the challenges. I bought a house 6 months ago with my mum who now basically pays board and I sort everything out. My husband is living here too at present (he is not earning) and it looks as though he might be moving out again (we were…
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feedback
Hi Im back again. Just to let you know how things are going on my self DMP. Ive had 3 replies so far out of 5 to my request of reduced payments. They have agreed but need to see my SOA, which im sending but have also said they will look at it again in 3 months - and nothing to say they will reduce interest. Is this part of…
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Notice of Legal Action *sigh*
Ok. Have received Notice of Legal Action regarding two of DH's accounts with MBNA from a solicitor's office. They don't make this easy, do they? We have sent letters every month for the past 3 months, along with reduced payments and most recently DH's SOA showing that we don't have the money to pay the full payments. The…
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Cabot - Advice needed please....
I had a £650 debt with Cabot which I have been paying off for the past 2 years at between £20 and £40 per month. I have paid off a total of £510, however when I rang them they said I still owed over £500 because of interest. I was sure that the interest was frozen when I started repaying it. What can I do? Thank you
