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Debts on credit file?
Quick Q - OH has debts - we've done a credit report and it's showing NO debts other than his current mobile phone contract (credit score is "fair") Does that mean his debts can not be chased? Thanks
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Your help would be much appreciated ! court fines
hi i started a thread on here a while ago, due to my partner missing his last installment of his van insurance, (he has since been diagonosed with depression which i can only put down to him being so forgetful during that time ) he was caught and fined and due to appear in court but sadly sufferred a brain heamorrage due…
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Things to do to pass the lunch hour
I need to think of things to do in my lunch hour that do not involve spending money. Generally I will go to the shops for a wander and get a couple of bits and bobs that we need - the problem is that this is causing an over-spend (well, to be honest, money spent on stuff we really could do without just in order to occupy…
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Council tax banding
Hi, I applied for my council tax banding to be looked at as we are on a higher band than my neighbours but was told that as we have been paying CT in the property for more than 6 months they wont look into it - is there anything i can do?? Thanks, Kt
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CCJ - Warrant of Execution
Hello All, I was wondering if anyone can give me any advice. I have a CCJ (one of two) and had my hearing last week to discuss a repayement proposal. I have a deficit on my statement of means, however offer £120pm to settle a debt of £9k. The judge was horrendous, and basicly didn't judge anything. The creditor had already…
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Spend too much on things
Hi all, Longtime lurker ocassional poster. I am after some advice. I have a high salary but my monthly overheads are enormous. The problem is that mine and my wife's lifestyle and work habits gravitate towards the need to spend large amount of money. We have a small amount of debt which I am aiming to clear in the next six…
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Going over my overdraft limit
Apologies if this is in the wrong section. I have a current account with NatWest, I have £1000 overdraft that I spent much of my time in. Due to various circumstances, i.e. wife losing her job, I would sometimes miss payments and I was constantly getting hit with charges. I then moved accounts to Halifax. I cancelled all…
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Sorting out the finances
Hi, Me and my partner have been struggling for a bit since she lost her job and we've got two young children, one is two the other is five months. I work on commission and get a low wage and with sales not doing well I'm not getting a low wage. I'm wondering if you guys could help us out if I give you a list of all our…
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HSBC Advance Over-draft
Hi all, Just a question at i've got a £1502.94 overdraft with HSBC and signed up to HSBC Advance which is around £6.00 for the first 3 months i originally rang up them to discuss about my other account which is £7.00 overdrawn and will incur a charge.. What my question is will it be easier to pay of my overdraft with hsbc…
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Credit Card advice needed Re: Interest
I am running up some fairly heft debts on Credit cards. It's not the fact that I dont want to pay them , it is the interest charges. I am not getting anywhere near lowering the outstanding amounts. Is there any way that I can contact the companies and request the interest be frozen? I am struggling to make the minimum…
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Statute Barred Debt
Ok Guys sorry but need help once again!!!! Hillsden.DLC collections saying they are owed 1424.00 from 2005.. Just passed the 6 year date as of March 18th this year... Sent request for CCA last year no CCA sent .. they are now saying the debt is year's old and they can't supply it with a load of bumph about just because…
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full and final settlements rejected
Hi I'm new to posting although have been getting advice and information for this forum for years as i've struggled to get out of a bad situation without going bankrupt. I am on payment plans with all of my creditors (see breakdown of debt and payments I make below, plus full and final settlement offers and responses…
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Default - Falling off my credit report.
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CrapQuest and CCA
I have recently used two of the templates on here to request my credit agreement from CrapQuest regarding a credit card debt with Capital One. I believe I applied for it online in 2003. Today I got from CrapQuest what appears to be a signed credit agreement and some terms and conditions, suspiciously they aquired and sent…
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default
Hi all i have a default on my credit report that is 5 years old but i only discovered it about 5 weeks ago. I have questioned the company who issued the default and the debt recovery agency and they are both pointing the finger at each other saying it was the other one who served the default notice. My question is does a…
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Credit Card Settlement - How much reduction?
Sorry if this is already somewhere else, if so I must be using the wrong search terms as I can't find it! Anyway, I've had letters today from a couple of my credit card debts offering settlement for a reduced amount. I'm not in a position to do this but out of curiosity I rang them up to find out how much they were talking…
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How has the recession affected your shopping habits?
Hi, I'm researching for my University dissertation on how the recession has impacted upon ethical consumerism. If you have the time please complete my questionnaire, it would be greatly appreciated. As I'm fairly new, I cant post links yet. Also, I'm not sure where I should post this information to get the best results,…
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What is the best piece of advice you got regarding sorting out your debts
The best piece of advice i got and what changed the way i looked at what i was doing with my money was to start saving some money, it was a member here who said it and until then i never saw the point of having savings when i was in so much debt but i do need an emergency fund. Everytime something goes wrong car/washing…
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Share a financial horror story!
My colleague x is moaning about money again and frankly it's doing my head in. We've all had money woes (he takes the biscuit) and lord knows, I've spent enough days on the DFW board. Normally I wouldn't discuss someone else's issues, but a) it's entirely anonymous and b) he spends a good 25 mins a day telling us about…
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New relationship - bad debt "baggage"
Hey All, DMP for a year - ends 2015 Neg equity mortgage (-about £30k) Both of the above were "run up" with my fiance of 11 years - we broke up 6 months ago and I have taken on the house, DMP, sole responsibility for childcare etc. Ex was a full time stay at home dad with no income so makes sense. However, now I have met…
