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Is there anyway to find out which credit reference agency a lender uses?
I find this very baffling, I can't get a Vanquis card yet I can get an iPhone 4 at £500 as this proves, Hello xxxxxx , Thank you for choosing Orange - we've got your order. your order number: WS115094xxxx delivery details Your order will be delivered on 16-07-10 to the following address: I have checked my credit file and…
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Desperate for advice on joint finance and split partners
hi this is my first ever post. i split with my ex partner over 6 years ago.i have spent the last 5 years working every extra hour at work to pay for debts my ex ran up with joint credit.i thought that at last i had paid everything off and could finally breathe again. before you ask when i met my ex(known from today as the…
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Just had a strange call
One of my debtors called to offer me a settlement figure, thing is, they wanted my husband not me. It is definitely my debt though, not joint and not his, just mine. They did speak to me though when I told them it was my debt. I am just concerned why they want my husband and not me. Seems very strange, so I wondered if any…
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Tiny compared to everyone else!
I've been looking at what some people owe out on this site and mines is really low... When you put down how much you owe out are you only taking about credit that you have defulted on which debt companys chasing you on or do you include credit that you currently have but is fine and you are paying regulary and normally? In…
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Credit Rating & Emigrating
I've decided that when I'm debt free that I may emigrate somewhere for a fresh start. What I want to know is, will my credit rating follow me? Most of my defaults were issued 2 years ago and I should be debt free in 2 years and would hope to move away in three years time. I know that defaults are deleted after 6 years,…
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Mistake
Hi, can any one offer advice to me on the following I have been on a DMP for a couple of years but have recently been undergoing a very stressful period. Consequently, I made the mistake of going on a holiday, but taking a payday loan to fund this As you can probably guess, I have now got into a little difficulty with this…
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Debt Advice for self employed
Hello Everybody I would be very greatful if someone could give me some advice. I am very confused and worried and don't have a clue what to do. Our situation is terrible and I feel really embarrassed. My Husband and I owe around £37k to personal loans and credit cards. Our mortgage is also maxed so we can not refinance…
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Stop being a Wuss!!!
I have been on this forum for a number of years and I know that I have a problem that I must sort out but I keep putting it off hoping that something will change. My OH has his own business but due to some very bad luck (never work with family!) and the recession, for the last two years we have really struggled to make…
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Feeling good ....
Last month we have to go to Italy to see a close relation who is very sick. This is the first time in our life that we pay everything including b&b, with cash instead of plastic card when abroad:j DH has been very good and we have resisted the temptation of buying stuff due to our limited cash. On our last day there, we…
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money solvers
has anybody heard of money solvers? As,i'm already on a dmp with another company they are offering a debt reduction plan, which they say they can do a lot cheaper, but i'm a bit weary of them. /
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Free credit reports
I hope I am posting this in the right forum. In Martin's weekly email it mentions that all three credit reference agencies are now offering online credit reports for £2. Martin mentions that these are free to people in financial hardship. How do you go about proving that you are in financial hardship to get a free credit…
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Frederick International
Help! I had a call from these guys yesterday asking for details, yet they couldnt verify my details or say what it was in connection too. They said they would then write to me. Today I have received a text message from them to contact them urgently. I am presently dealing with any debts I have with the help from CAB, so I…
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Old dfw says 'hi' and 'help'!
Oh my goodness me it's been a long, long, long time since I was last here! How is everybody then? I haven't been around for so long because my DMP has been ticking along nicely, and I have now gone from the amount in my signature to being only £3600 in debt :j!!! I may be in a position to offer a full and final settlement…
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help please
hi there it's my first time on moneysavingexpert, i was wondering if you could give me some advice please, i've got a Lloyd's TSB credit card the credit limit on it is £16.000 i pay in every month £360 of which £235 is interest :mad:.I was wondering if it benefit me by changing credit card hope you can help paula
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Selling car on finance
Our mistake of buying a car last year means we have a finance agreement ongoing for the next 4 years! :eek: I think the car is worth less than is owed. But is there any way of selling the car and paying off most of it? The problem being nobody will buy the car if they HPI it and find money owed on it, and I can't pay it…
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Change counting machines in banks?
Hi I read a thread yesterday (I am sure it was on this site but cant find it now :mad:) About someone had had gone to a change counting machine in her bank and the money had gone into her account automatically! I bank online and cant even remember the last time I was in a branch of my bank (A&L) do all banks have these…
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Distraint and what to do???
HELP!!!!!! I have Unpaid Tax & VAT bills and overdraft and credit card bills from previous business amounting to £30000 approx. Been unemployed since last September so unable to pay. Have had a distraint letter sent by Tax...have sent letters previously asking for advise & help from Tax & vat had no replies just demands…
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Payday Loans
Hi I need some help!! I feel like everything spiralling out of my control - but its all my own fault. Has anyone ever used payday loans? I have got three out at the moment which I have deferred payment until August - but this now means that when I get paid in August I am going to be at least £350 down on what I have left…
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Bailiff Charges
Long story short; I had a CCJ for around £1500 against me in January and in February a High Court Bailiff (from Andrew Wilson & Co) turned up demanding the money. I paid him £300 and then set about sorting this through the Courts. After several wrong directions (thank you Courts contact centre) I got the case transferred…
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HSBC man shouting at me - HELP
Had a phone call this morning from Alan at HSBC (0800 7831573) about my overdraft £1500 and why was I not paying anything into my account. I switched accounts a few months ago because I got into financial strife after a run of bad luck and HSBC was charging me left right and centre. I am getting back on track and paying…
