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How do credit card minimum repayments affect my credit rating
Hi all I went on to my Credit Report on Experian today (and cancelled my account on the same day:D), and noticed that there's a section against credit cards which asks 'Only paying minimum balances?'. I have 2 0% credit cards, and I only pay the minimum balance, but will need to make a balance transfer to another card when…
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advice needed please
Hi I was wondering if anybody could give me advice re. a financial associate. I got my credit report and it says that I am financially linked to my mum who lives at the same address. I found this out by getting a credit report from equifax. My credit report was checked because, my mum had applied for a catalogue in her own…
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Seems like the best place to ask
Little backstory, my Mum has run up an amount of debt which she has (after a little persuasion by myself) taken steps recently to address. She's now working with CAB Scotland in order to get her finances under control (not a massive amount, but enough to trigger some unpleasant actions!) and pay off the debt. (i should…
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Wescot Address verification????
Hi, Just after a bit of advice. I received a letter from Wescot credit services today trying to verify if I live at my address. The thing is I have absolutely no bad debt and in my entire 8 year credit history the only blemish is a single late payment. I've checked all the credit ref agencies in the last month and no that…
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Here is my SOA
The only thing I have forgotten to add is the special cat food, which costs me £13 per month. (She is a sick cat) I have allowed £30 for clothig a month, but in reality I probably only spend that every two months, so this will allow for the cat food. Statement of Affairs and Personal Balance Sheet Household Information…
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help
I have run up around £20k debts on credit cards, spending to make me happy and cheer myself up. I have suffered from depression for 5 years. I can't afford the repayments anymore and for the last 4 months I haven't made any repayments to 3 of the credit cards. I completed the debt remedy on CCCS and sent it off to the 3…
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What to use the money for?!?!
Hi, Just after a litttle advice as I just can't make the decision!! I have a payout due (for a crash 2 years ago!!) it will be between £1500-£2000 still tbc but will get it around the end of March. I have a loan of £338pcm with 32 months left on it and a CC with £2400 on it which is 0% to Sept 11 (total on the card s 4k…
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Debt letters
Hi all, i need some help regarding a collections agency called capquest, they are writing to a previous address where i still have my mail forwarded from regarding a debt purchased from halifax for £2520.90. They are now threatening court action and bailiffs to seize goods, i have had a bit of debt in past which i have…
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Lottery - Thoughts
Ok I've been pondering on this one for about a week now and since its Friday I thought I'd put this one out there for peoples thoughts. We know someone (not well but my husband plays sports with him at the weekends) who has just won over £1mill on the lottery. Very nice man so good luck to him :beer:. So that then made us…
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Awarded compensation - Philips Bailiffs
Hi, I was awarded £450 compensation for fraud in July 2010. I have not received any money from the court or Philips Bailiffs as of yet. It's Highbury Corner court, and the telephone numbers I have for the enforcement officer are always busy or just ring out. I have spoken to Philips Bailiffs but they will not update me, as…
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Leaving DMP - Help needed
Hello :wave: I have been since November 2009 in a DMP with creditors being MBNA, Capital 1 and BarclayCard. My mum kindly gave me a lump sum and I offered all creditors a full and final but only MBNA accepted and as off yesterday, this is paid leaving me with the 2 creditors. I still have a chunk of the lump sum and will…
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Token (£1) payments to creditors - Girobank slips?????
Hiya, I have written to all my creditors (7 of them) that I am unable to be making any paymenets as not working since 1st December, offered token payments of £1 per month. 3 of them have accepted the offer and sent me giros to use for payments. Today I have found out that I would have to pay £2.60 fee per each £1.00…
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My son (funny)
Seems to think that MSE Martin is his Daddy! :rotfl: When I'm sat at my desk (work from home) he quite often comes up and sits on my lap whilst I'm working. If I'm browsing this forum he points to the pic of Martin in the top left corner and starts shouting 'Daddy' :shocked::rotfl: To be fair my husband has dark hair, and…
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Bailiff Letter Urgent
My Son has been in and out of Hospital for the last 12 months and is also being treated for severe depression. He has just received a Bailff Letter as he has not paid water rates for 2 years. I have helped with heating bills but as I am retired, I do not have funds to sort out this debt. I do not know what a Bailiff can do…
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Friday 18th Feb - What small DFW things will you be doing 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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£11500.00 in debt and paying
Hi, im new here, I decided i had to do something about my finances a year ago, however I owe a little more now than i did a year ago. Ive been payig £35 a month to kensingtons and im on a dmp with them. I feel so angry with myself getting in such a mess, however thanks to martin and you guys ive heard i can go on a free…
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Letter from debt collection agency regarding my dead brother
Hi, I am hoping that someone might be able to help me. I know there are some similar-ish questions on here but as far as I can tell they don't answer what I need to know, but apologies if this is a cross-post. Anyway... My brother died unexpectedly about 20months ago. He had a good box of paperwork in his house so we were…
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Im not just a wannabe - Im a gonnabe . . .
Hi all I dont post much and havent for quite a while but I need all of you lovely people to keep up my levels of motivation :beer: Im currently studying but also I am self employed and the last couple of years have been dismal with regards to finance :( . Being self-employed is always a roller coaster ride but my expenses…
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EON debt on my DMP
I have had a letter threatening court action from EON's DCA. They obviusly not happy to accept CCCS offer to them. Anybody ever had any dealings with EON whilst on a DMP? If so what have been your experiences with them
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Advice
Been hanging around lurking and reading the forum for a while now thought I might post and ask a question. I wondered if it was worth putting in a claim for bank charges, my wife and I have been on a DMP with the CCCS for at least five years now. Our DMP currently shows as ending December 2015, but owing to a change in…
