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snowball and soa
Hi Guys, I would really love to do my snowball calculator and SOA but I have trawled all over the site and can't find either!!! Help me pleeeeease...:D:D:D
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Affinion ! Searching my credit report.
Hi, I have been checking my credit report and there have been loads of searches on it from a company called affinion, how can I stop this, and are all these searches having an impact on my score. Has anyone had this problem before?
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Getting defaults removed by negotiating with the creditor??
Hi, About 4-5 years ago i wasn't as responsible with my finances as i am now. I have 4 defaults on my credit file, 3 from Lowell financial and 1 from credit manangement agency they total £1651.00. I now want to move foward and get a mortgage in the not to distant future but i realise that this will not be possible with…
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we are screwed :(
hi all, we are on a dmp with payplan & pay them £300 a month we have no spare cash as the budget they set is v v tight! i have a son who is 19m & a daughter who is 18 days :) we get by but there is no cash spare at all anyhoo we have an old car that we have just realised that the MOT is due on the 13th october & tax due at…
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what to do about negitive equity
Not sure if i am doing this right but i would like some advice, i rent out a fla but have had problems renting and wouldl like to sell it but i am in negitive equity -i am in debt up to m eyeballs but on a management plan and everytime i think i have actually doing ok something else crops up a tentant leaves and i have…
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Which debt to pay first?
Hi guys I had some good luck yesterday and won on the lottery! Not the jackpot but 5 numbers so I'm quite happy! I could pay off the smallest 2 of my debts saving £140 per month to be split with other creditors and saving £7 a month interest. Or I could pay off bill number 4 and save £165 a month and £20 interest. CCCS in…
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Help bailiffs and council
Hi My friend has had a visit from the baliffs sent by the council. They have given her five days to make an offer to pay or then they will remove goods to value. The debt arises after an ex-boyfriend failed to pay the council tax which she was unaware of, then she moved and had notified the council of her new address, but…
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What do you think of my budget?
Hi all, I was made redundant from my job a few months ago and since that time I've been trying to stick to a very tight budget but the funny thing is that I've come to find that it's actually a lot easier to budget and save than I would ever have expected it to be. I have been working with the Jobcentre and a few other…
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Weekly Spend Challenge W/C 18th September 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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Court case advice
I wonder if anyone has any advice on the following situation, i would be most grateful for any help. I have a credit card debt with Nationwide which was defaulted.I followed advice from this forum and CAG about the legality of the agreement.While the agreement dosent look good, the default notice is 100% unlawful.…
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Frederikkson, Bryan Carter et al + a Question:
A while back, I posted that I'd sought the help of CCCs. I'd recently had major heart surgery, so, as a builder, was finding working pretty difficult. On the advice of CCCS I wrote a template letter to all of my creditors explaining my situation and asking for reduced payments. All except Nationwide were helpful to a…
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Changing Bank Accounts!
Tomorrow I am going to open a new bank account, as one of my debts is with the bank that I bank with. My creditors are, Halifax Bank of Scotland Royal Bank of Scotland MBNA Barclaycard Black Horse Northern Rock NEXT card I was looking at switching to Abbey or Clydesdale Bank, are any of those banks associated with any of…
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Default help....
Hi I joined a dmp last year ... Wish I never did now as it has totally messed up my credit I have 3 defaults placed early this year 2 are for amounts under £ 500 ... I have recently been given a little bit of money do you think if I sent the creditors a letter sayin a will pay outstanding amount if they remove default will…
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Rockwell / Tessera / Pace Forward
Looking for a little bit of advice if anyone out there can help me... In my early 20s I managed to get myself into a lot of debt and over the last 9 years I have been slowly but surely paying it off. At the height I owed in the region of £22k to various loan and credit card companies as well as student loans. As I say…
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Buchanan, Clark & Wells and the case of the non-existent debt
Hi guys. This is a bit of an odd one. My friend received a letter (to her current address concerning an old address) from Buchanan, Clark & Wells regarding a debt to EDF Energy. The problem is, she has never had a contract with EDF to provide her with energy at the address listed (she has since moved out). Over the period…
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Very Confused
Hi all, I posted on Monday as i had received a letter from a company called Harlands on behalf of Lifestyle FitnessGym. I cancelled my membership over the phone with lifestyle fitness who advised me this would be fine and to cancel my DD. The letter i received on Monday stated i had ignored a previous letter they had sent…
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Advice Please
Hey all I'm kinda new to this so apologies if it's in the wrong place, I recently checked my credit score on Creditexpert and was shocked to have 12 missed payments in the last year from a Barclays young person account I had when I was younger. Creditexpert show that I'm £21 O/D. To be honest I thought this account was…
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It's started - first phone call today - feeling scared
We had our first phone call today from one of the credit card companies and even though we were expecting it, it still came as a bit of a shock, and they have said we will now get a phone call from them every day. :( We will have another visit from our CAP (Christians Against Poverty) Advisor on Monday, after that visit…
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Capital One advice please
This may go on a while so I will apologise now. Basically I am after some help on how to deal with Capital One. I have been in touch with CCCS regarding my debt, after going through everything we agreed that before we went down the DMP route I should contact all the companies I owe money to myself & see if I could come to…
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Knightsbridge Financial - help?
I am attempting to help a family friend sort his monies out, he has various debts all over the place but one that worries me is a DMP with Knightbridge Financial? I had never heard of them as someone who administers DMP's so asked him and apparently they charge him £20 a month for the pleasure. I have asked him to find out…
