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Anyone help?
hi guys, just wondered if anyone can help me with a query? Husband has just returned to work after a period of unemployment, so today we've been ringing round the creditors we owe to make payment plans/payment arrangements. Husband phoned Capquest (on behalf of Capital 1) to offer to pay £25 month to pay off the…
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Can i afford to move out?
Hello all, i know there have been plenty of these posts in the past but in=m in need of some help. i have been with my partner for coming up to three years, so we are very ready to move out and rent (no deposit to buy). My take home pay each month is roughly £1100 my partners take home each moth is £800 total £1900 we can…
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What a mess! (NDR/SHOP DIRECT)
I am in some real need a help at the moment. Basically, my partner opened 5 accounts with Shop Direct. 2 of them I used to buy goods and then paid them off and they are now settled and closed. The other 3 were under her control. She bought a lot of items and started paying them off but then she fell behind and couldn't…
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MSE News: BBC launches huge scientific test into money management
This is the discussion thread for the following MSE News Story: "In one of the largest-ever studies into the UK's ability to manage cash, BBC Watchdog launches the Big Money Test ..." Read the full story: BBC launches huge scientific test into money management
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Advice needed urgently please
Hi all, I have used this site before when my husband was going through problems and everyone was really helpful, unfortunately I find myself in a bad situation having lost my job on Xmas Eve. Anyway to cut a long story short I am in massive debt now. I have always been a good payer with everything I had but this situation…
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Scotcall - would you accept this?
Hi all Ive been negotiating F&F settlements and have sent all letters out with the usual requirements i.e. update credit file, no longer chase for payment, zero balance etc Scotcall have come back with the below email, just wondering if you would accept this? 'Thanks for attached, on looking at the account the last figure…
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Debt advice or help gratefully received!
Hello everyone This is my first posting on a forum of this kind. I would appreciate some advice on what best to do. I have debts totalling just under £10,000. These are in the form of a loan with £7000 left to repay, a credit card with about £1400 owing, another card with about £850 owing,an overdraft of about £550 and a…
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Just worked out my finances
Hi all I have just worked it out that I will be debt free in 4 years time!!!! :j Roll on 2015!!!
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Best Option for Credit Card Debt
Hello All I recently posted about a Credit Card debt I have because my provider MBNA have decided to increase the minimum payment rules (adding 1% of the balance to the bill as the principle instead of £5). Now this means I can't pay the minimum payment as this would take me over what I currently have coming in. The basic…
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Advice Needed
Hi All from a first time user. Need some advice please. I've had a catalogue for a number of years but stopped using it about 3/4 years ago. My husband lost his job and I just stopped paying it having to deal with everything else, it just fell by the wayside. I just thought i'd receive a default letter and would make small…
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Parted company with DMC what info should they provide to me?
Hi All, I have finally got around to ditching my rip off Debt Management Company as I don't see any light at the end of the tunnel with them and I want to manage my debt myself now. What Can I expect to receive from them in terms of information? I have been with them for several years and every month the only thing I would…
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Help! need some advice on old mobile bill
Hi, i have been contacted (letter) by some dept company asking for an unpaid mobile phone bill which is from 5yrs ago and cant remember the actual phone contract terms, but what i remember is talking to the phone company.. (3) and disputing the balance at a time for i never thought i owed them anything. that was the last…
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Don't want my bad credit to affect partner!
Hi Last year I opened a natwest current joint account with my boyfriend to use for household bills. We didn't end up using it as planned and I later discovered that my current bad credit scoring could affect his credit score. Obviously I don't want to affect him in anyway so we changed the account into a sole account in my…
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Having an ARRRRGHGGGH moment!
I am so frustrated and !!!!ed off at the minute I just want my debts gone. Any advice would be greatly appreciated. A few years ago I had no credit. Bought everything with cash, had a current account, no phone contract...nothing. Then when I married my husband we figured I should build a credit profile so that one day we…
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I was wondering if someone could help me with this matter?
My daughter's old dance school have sent our 'account' to a solicitor saying we owe them money, I rang them to inform them that I feel we do not owe the money but the dance teacher has just sent a letter to us received today stating that if we dont pay the money her solicitors have advised her to send it to court, she has…
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MKRR & MKDP - Shop Direct Finance Company Limited????
Hi, I received a letter today from Shop Direct Finance Company Limited and I have no idea who they are or what they are on about but they are saying I owe someone £40.03? This is what the letter says: Dear SARAH ******* We are writing to inform you that the above account was assigned and transferred by Shop Direct Finance…
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in trouble and sinking fast HELP
I actually think i'm going to be sick with worry. really really sick. I have been tarting about credit card balances and now I have no where to go and a huge amount of debt. I had hoped to get another 0% deal but both my husband and I have been declined for 2 different lenders and I have realised I need to do something…
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need help before contacting creditors
hi, il keep as short as possible. My partner and i have split up and its for good.he has gone back to live in his own house. I have a job but a really low income. Basically i have debts which are only in my name, and have never missed any payments, but i just cant meet them now when paying rent etc on my own. I have…
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What debt to pay off?
Hi All, Next month I come into a bit of awork bonus (after taxes £3200) and need some help deciding what to pay off. I have £9000 worth of debts - all showing on my credit file but only 2 haven't been passed to DCA. I have agreed payment plans with the DCAs and though the balance is reducing on my credit file it doesn't…
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very worried after letter
Hi all I have been on a payment plan with virgin for the last 6 months, as I couldnt afford to pay the £125 interest charged on £5500! They said to me that after 6 months they would review it and then hopefully put me on a plan for 5 years to get the debt paid of complelty with them. I have always made the payments they…
