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new start-which is the best debit card here?
hi,after hopefully getting a new start soon with no bad credit report,i waited 6 years!, i want to get a debit card,please can you tell me which is the best to get,also its anougther 2 months before i think i might have a clean credit file and it still might not be yet so i would still like a basic account as thats all i…
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Advice on reducing our outgoings
Okay, not sure how this works but just been on the budget planner and was rather alarmed to find me have so little spare cash each month so I'd like to improve our situation. We're still in our early thirties with one child who is 14 and would, at some point in the near future like to have another child, so sorting our…
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Help needed- Credit check
Hi. My boyfriend wants me to get him a credit check through experian as he doesnt have a credit/debit card. Now i need some advice. Basically, if i run the check for him, do i put in my email address as i would only want to do the one check then cancel it, thus avoiding the 7.99 a month fee that experian charge. But to be…
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Credit score
I've just checked my credit score with experian ..... it was very good:j It says the thing that goes against me is 'You have several credit agreements (excluding mortgages), and the outstanding balance is high' How many credit agreements would be appropriate to have and what is deemed an acceptable outstanding balance? Any…
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Help Gratefully Recieved!
Hi all, I am new to the forum so please bare with me! I have got myself into a right old pickle with debts that I can no longer pay off without robbing Peter to pay Paul and this is frightening me to death! I have contacted the National Debt helpline who were fantastic and have just on their advice opened a basic bank…
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F&F Settlement Offers
Just been wondering how successful people have been at offering Full and Final Settlements. I have quite a few debts that have been passed to DCA's and even though I haven't got any spare cash at the moment I wondered how long you had to be in financial difficulty before you make F&F settlements and what sort of percentage…
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Where's my debt?!?!
Hey guys i was just looking for advice or a template letter to send to creditors to see who owns my debt to start paying it off? Its on my credit report under the banks name but i havnt had anythin about them for ages n want to sort them out! Do I write to the bank? x
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Credit report clearance!
Hey Guys im just looking for some advice as i have had my credit report and some things I am unsure of! Im looking to get my credit history into some sort of good shape as i am pregnant and starting to rent and want to be rid of debts from years ago! There are 3 things which are bothering me: 1- So im looking through my…
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credit card question
Has anyone heard of this site...just found it off of FB. Are these real or a catch somewhere? just wondering if worth trying so i can get a 0% balance and start paying my debt. http://creditcompareuk.com/lander2/index.html
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Catalogue debt
Hello I know i'm a complete idiot for letting this happen :mad: but I was wondering what everyone else thinks about this situation and how you would handle it. My SIL purchased a tv on my catalogue account (500 worth) which, to be fair she has been paying. However, we are starting on a DMP and this will be included. She is…
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Soa & cccs
can anyone help with a link for the acceptable figures for shopping, phone, clothing etc? I am trying to produce a S.O.A. Many thanks 1 more thing - regarding the CCCS - I beleive you make one payment to them and they distribute to your creditors - are they also able to make payments for your rent, council tax, utility…
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advice needed regs full and final settlement
hi, just wanted some advice on a debt i owe crapquest, I currently owe £725 which i've been paying at 181 per month, after working mad hours this weekend i've got £544 to pay them which they have just accepted on the phone, i've said i will pay them tommorrow by debit card and asked if they will send me a letter to say…
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Help me money saving experts, you’re my only hope!
I’ve spent all of my adult life in debt. About a month ago I realised that I didn’t want to do that anymore, and made some drastic changes to reflect that. I broke up with my partner, as he also had debt problems and we just seemed to egg each other on. I was in rented accommodation, but I gave my notice and moved back in…
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Advice Please
Hello All I have had an letter with regards to an old debt, which I intend to pay. I did send a letter to the company to advise them I could not make a full payment of the debt and asked if they would offer a lower amount to settle the account. They have since refused this and still want the full amount, which I guess is…
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help with a budget
Me and the OH are trying to save up for a deposit for a new house so we have decided to try and set a budget up that we can stick to, to help us save. But my question is, how do you know realistically how much to set an amount at? for instance shopping budget, clothes budget? If I look at what we currently spend its alot!!…
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Should I book a holiday even though I have loads of debt?
I pretty much know the answer to my question but was interested to see what others think. I have thousands of pounds worth of debt and we struggle. Should I allocate money for entertainment and holidays or should anything extra go towards debt? I have worked out that we should be debt free in 5 years time, so should we not…
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Bank Holiday Monday - What small DFW things have you done today???!
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, when…
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Is my credit rating improving??
Hi all, I had a horrible experience this week - my work changed all our phones and made me apply for a vodafone contract. Vodafone are normally difficult to get an account with so I sat a day in sick dread of being rejected and having to own up to work about my problems. Lo and behold I was accepted! Now, I was wondering,…
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Desperately seeking advice
Recommendations: 0 Hi guys, not sure if this is the best board to post this on or not, i suppose i'll find out if i get replies, haha My ex partner and i broke up 3 years ago and i now live in australia, she is still in the UK. Our house is still in both our names and wondered if it was possible to just change it over to…
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Do I pay off £7500 loan or credit cards??
I am due to recieve a £6700 payout shortly. I wondered if this amount would be best used to pay off a loan with a balance of £7500 or credit cards with a value totaling about £6500. I pay the following amounts monthly. The amounts in brakets is the interest payed monthly: £7500 Loan - £250 (£95) £3400 Credit Card 1 - £150…
