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Declined for a Basic bank account
I am being declined for basic bank accounts. What checks do the do on you so i can try and workout what the problem is? my credit rating is pants but i thought that didnt matter with these accounts?
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MSE News: Citizens Advice bids to ban rogue debt firms
This is the discussion thread for the following MSE News Story: "Vulnerable people are being tricked into handing over cash by rogue credit brokers and debt firms, a charity warns ..." Read the full story: Citizens Advice bids to ban rogue debt firms
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Offered 2 DCAs F+Fs
Trying to get rid of my small debts with DCAs before tackling the big ones (still paying them £5 a mth tho!). I have sent off the following offers. Wescot: total balance £225 Offered £100 F+F Equidebt: total balance £300 Offered £100 F+F I know I am chancing my luck with the amounts I have offered and that Wescot are a…
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Help...in a right mess
Been burying our heads in the sand for years as we both work and credit has been avaliable to us. We got stitched big time on a big loan which went from 25k to 50k although that is another issue. We have 43k left which is a secured loan on the house which leaves us with no equity. We also have 60k in unsecured loans ( 25k…
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Barclaycard
Hi All, I recently wrote to my creditors as per the advice I was given by CCCS because I can no longer maintain my minimum payments due to unemployment. I requested a Temporary Payment Arrangement and all have agreed except for Barclaycard. They have now involved a debt recovery firm called Mercers in Liverpool and they…
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Drowing in debt
Hi, I am desperate for some impartial help. I am in £17k worth of debt to 5 creditors, the largest debt being £10k to Sainsburys bank, I had come to an informal arrangement to pay £100 per month to them but they took £97 per month in interest for 14 months, now I have just been part of a restructure at work and moved to a…
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Utility Account reporting on Credit File?
Hi I am hoping someone will be able to answer my query. I have noticed on my credit report that my British Gas account is shown. This is the only one of my utility accounts that is shown and I am just curious why my electricity supplier, water and phone supplier are not showing as well. Any ideas?
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CCCS website
Anyone else having problems getting onto the site?
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Is this company Upfront
Hi I have a major problem and I did a search for government advise on debt and got in touch with a company called: GW Financial Solutions 5th Floor, St Christopher House, Wellington road, Stockport, SK2 6ND Has anyone got information on this company and whether it is one to use. They say that they will calculate an amount…
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nothing at all on experian
Hello, I've just signed up to Experian and Equifax for view my credit score. Equifax was good, no problems. But from Experian I got a score of 716 - poor! What I don't understand is that I went through all of the info that they have on and it turns out that they have none. No credit agreements, no bank accounts, nothing.…
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How to cancel Credit Expert by EMAIL
Contrary to popular belief it is possible to cancel that free Credt Expert trial via email. Normally a message gets bounced back from [EMAIL="customerservice@creditexpert.co.uk"]customerservice@creditexpert.co.uk[/EMAIL] with instructions to call in. This call is purely for retention purposes, and you will be told the only…
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Iva
I was in an IVA for 3 and a half years and then i lost my contract and then i was unable to pay the iva,our ip failed the iva and i have looked at the insolvency register and i am not on there. I am in debt to about 35000 and i am paying 10 pound a month to the creditors would it best for me get back into an iva now i have…
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Debt advice needed - please urgent
Good morning I need some help and advice urgently please. I have 2 creditors ( CAPQUEST and 1st CREDIT) now called Connaughts Collections. They have judgements against me, but cannot provide the original credit report that I have signed. I have made the mistake of accepting these CCJ and started paying them off, when…
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Thursday 3rd March-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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Unfair late payments on credit report
I'm at my wit's end with my HSBC credit card. (This is quite long.) Last summer I ran out of money because I couldn't find a summer job and I've been a student for seven years (due to health issues. I've just graduated now, finally!). I'd borrowed money from my dad to pay my rent, but I had two credit card repayments to…
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Just divorced and now need help!
Hi, newbie here. I've recently got divorced and am now in trouble with money from previous stuff. We haven't been through all the finances yet so not completely sure how much of this will be shared, but at the moment I want to know if I can cover it all and where to save money. At least if I've got a plan and a figure of…
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Gemstone Financial Management - Cold Calls?!?!
Hello, Just wondering if anyone has had any dealings with Gemstone? I'm aware they set up Debt Management Plans (and charge for them!). I received a call from them on my work mobile phone (never given out for personal contacts) and asked them to put any correspondance to me in writing after telling me they wanted to…
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newbie gettin life back on track!
Hi everyone ive been a bit of a lurker over the past month so thought id bite the bullet and post My husband and i have been living with our heads in the sands spending money and not thinking about if we have enough so i had a lightbulb moment and spent the last month looking out paperwork and phoning companies and have…
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A council debt......
Basically a few years ago my husband and I moved out of our council home to another council home, and we were given a list of repairs we HAD to pay for. It totalled up to around £400. The things on there were silly and half of them were things that were faulty when we moved in! SO of course we battled it and all they gave…
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Entries on credit report
I have an entry on my credit report, which states it was defaulted in 2005, and whilst it states there is a balance, it is very close to dropping off the credit report, and will become statute barred because I have had no contact with the creditor for almost six years. My question is, although the debt won't have been…
