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Re-building credit with Capital One
I have applied for and got a Capital One Visa card, I have checked and re-checked my credit file and don't have any defaults. I am aware though that my rating is poor and have read that these cards can re-build your rating. Does anyone have any idea how long it takes or even how this works, my plan is to buy one weeks food…
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Experian Credit Report reduction
May have been posted before but I signed up with Experian 6 months or so ago and kept meaning to cancel it. Rang them yesterday and said I wanted to cancel as it was too expensive and because I've been with them more than 6 months they've reduced it to £3.99pm for 12 months (not on a contract) but can cancel at any time.
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Debt written off?
Hi, I wonder if anyone can help with some advice? Somebody very close to me has run up a debt of 30k in various forms, OD, CC and loans mainly. They cannot pay this off and have little in assets. I can get the money however I wondered if its worth trying to get some of the debt written off if I offer to pay it in a lump…
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Turns out I have a CCJ...
Hi guys, First time poster and I am in dire peril. Ok maybe I am over exaggeratting slightly. Basically I have just run a free credit report via Experian and have been told I have a CCJ on my credit rating. This isn't good.... The brief history is I had a dispute with an ex-girlfriend over some money I borrowed while we…
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Full and Final question Please help us
Guys, Thanks to all the wonderful help we have received on here we have offered a full and final settlement to Metropolitan. I have posted this question in the Bankrupt board too but was not sure if i should have posted it over here with you guys We have received the following letter and i just need to know if this is…
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Wages cheque bounced
Hi, I didnt know where else to put this, so sorry if its in the wrong place :-( Basically I cashed a wages cheque in one of the shops in town (I was skint and needed the money asap), but the shop has written to me saying the cheque has returned and that I need to pay them back? Shouldn't they go after my employer, since…
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Advice needed please -Barclays Partner Finance harassement
I'm hoping some of you will have some helpful advice for me! We paid our 1st CCCS payment yesterday and are currently waiting to hear who has or hasn't accepted our payment offers. I wrote to all our creditors in January to explain the situation and in the Barclays letter I also asked them to remove all telephone numbers…
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CCCS - Debt Management Plan
I am thinking of going into one of these......whats your opinions on them? Is it worth it or should i just struggle and try and pay minimums off each month? thanks
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What would you do.....
Family of 4, 2 adults 2 children living in a 2 bedroom house which is now becoming too small as the children get older. In about £50k of debt, due to numerous things including redundancy and unemployment, and paying back £300 per month via an arrangement with debtors. Given the debt, and no doubt shockingly bad credit…
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Debt Management Companies
We were stupidly with a company called spectrum to manage our debts for 5 years. We started with what we thought was an IVA but at the end of the 5 years it turned out to be a DMP and hardly anything had been paid off to our creditors. We terminated this agreement and looked into an IVA with another company called Byrom &…
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default advice please
Hi, Long story short is a debt was sold on from Barclaycard to Aktiv Kapital of approx £200 in 2008. I since paid Aktiv Kapital every last penny of that amount owing however they registered a default on my credit file for this. I have written to them asking them to produce the default notice as I did not recall receiving…
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On you DF journey what are you proud of??
Another motivating thread I hope!!! In your df journey what are you proud of?? Your change of ways? Different outlook? Whatever makes you recognise your efforts! Mine would be: - having enought cash in my tcb account for Christmas 2011!! For my 7 nieces and nephews and the 4 kids I nanny for! And it's only March! - the…
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Easy answer .. I hope
Over the years massive snags - now seeing light AND yes it feels great. I've changed now forever though - bargain hunt / ebay /etc and the old ''.. do I need this ? ..'' I'm almost enjoying it as a hobby!! Anyway - over the years wife has had a catalogue. She has become ill (not debt related) and I deal with firm (GUS but…
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ebay questions
hey guys im just wondering how much does it cost to use ebay i have around £2000 in comic books and books and around £1500 mabey more in statues and busts its an expensive hobby :S but im jsut wondering as someone told me if something dosent sell you still have to pay the sellers fee dont you? how much is this ?
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Full & Final offer
Hi guys, Just looking for a bit of advise. Currently in a DMP with payplan. Paying £210 p/m towards c£50k debt with various creditors. Thinking of asking family to help with our debt and the possibility of making a full and final offer. Payplan dont appear to be very helpful with regards to this option. I just wondered…
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Paying it all off - will it help my score?
Hiya, So I've managed to creep my debt down from about £9k in the last couple of years to about £3.5k. It's been a long hard slog but I can see the light now! However all my interest has now gone back up and although if I keep paying it as I currently am I will rack up another £500 in interest and add an extra month or two…
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Bailiff urgent advice please
Hi I owed £568 for council tax after falling into arrears. I let a bailiff in as I had every intention of paying so agreed a £100 per month payment plan and signed a walking possession agreement. I've kept to the arrangement and now have £68 outstanding however I genuinely forgot to make the payment on the 20th feb. Having…
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Lowell Portfolio offered discount to pay off my debt in full - confused!
Hi I have a CCJ which I have been paying £100 a month to Lowell Portfolio. I will be in a position to up the payment to them to £250 in the net month and wanted to find out how much I had left on the account (£2000) and he said he'd look to see if they could arrange a discount to pay it in full. I didn't want to get into…
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Confused
:embarasseHi, Looking on my credit report i have found CCJ,phoned up Northampton County Court with case No. as we didnt know with what it was concerning. They told me i had to ring Manchester County Court, who told me it was RCI Financial, with whom we had finance with for car. They were RFS when we took the agreement out,…
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Any advice greatly appreciated.
Hi everyone. Any advice will be greatly appreciated! Quick breakdown of my situation. I'm 23, my fianc! is 26, we own our own house on a fixed rate mortgage (£550 a month) which is quite reasonable we think. We've switched lots of our utilities to cheaper options and we make a strict list when we go food shopping and plan…
