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Global Debt Recovery - demanding i call them
Aplogies if this is in the wrong place. Yeasr ago i had a chatoc lifestyle with finances to match. I never resolved the issue and this would have been 2001 to 05/06 (ish) I've prvioulsy has a letter from Tower Investigations about a year ago and after doing some digging found out they were chasing debarred lloyds debt.…
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plez help - advice needed on f&fs
hi all - i am new to this so plez bear with me. i have been on dmp since March 2010 - debts at moment are in total approx £14, 000 to three debtors. have just been informed there is the high possibility i will be redundant in June 2011. have been with employer for 15 years so i am expecting a half decent deal. my dilema is…
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Equifax credit report and defaults
Hi Can anyone help with credit report questions please? I'm just coming upto a one year anniversary of being on a DMP and have checked my credit file with Equifax. I have 3 defaults registered in July 2010 (these are with companies who accepted DMP and gave me 0% interest. There is no history provided after July. Is this…
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I ran away, but now it's time to stand up
Morning everyone. I've spent 2 hours reading these boards, trying to come up with a post that doesn't sound weasely and pathetic. I've got outstanding debt on my Halifax credit card and an overdraft. Or at least I used too. That is to say, i still owe it, but neither of them are currently tings I "use". Sorry - clarity - I…
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close credit cards after paying off?
Hi everyone, I am about to pay £737+£14=£20 off my debts in town today. This is less than I hoped but have Easter childcare costs to pay which I had totally forgotten about. So, tomorrow, my debts will be 1) Barclaycard, £2084.61, 6.9% for life of balance. 2) Natwest c/c £1377.81, 0% for 15 months. Not too bad, I guess. My…
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Does the number of bank accounts affect credit?
I am trying to cancel accounts for redundant credit cards etc, but just wondered does it affect your credit rating if you have bank accounts that you don't use?
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Withdrawing Cash on Credit Cards - Alert
I've read a couple of recent posts whereby to make ends meet people have withdrawn cash on credit cards, then suddenly cards withdraw this facility/reduce credit limit. This happened to me with MBNA and was the decider for me finally getting help through Payplan. Does withdrawing cash act as a flag to card providers if…
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paying off outstanding debts
Hi can anyone help! I have recently sent letters to my current credit cards and loan accounts, stating that i am in the position to settle my account. But am only able to pay 30% of the outstanding debt. I had a reply from one who said they would not accept that payment! I have not had a reply from two of my accounts. I am…
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re-mortgaging with defaults
dear all, having seen my house sale fall through twice in as many months i think i need to look at other options as stress is really affecting my wife we have 80k in defaulted debts - i lost highly paid job and took me 18 months to find another tried to sell house to pay off debts - cant sell house in current market we own…
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How much money do you have left in your bank account, at the end of the month?
Well. I keep reading all these threads on food, and i have become somewhat obssessed with food, coupled with the state of my bank account. You read all these posts. People with huge debts they are struggling to reduce, people saying they are skint, but who then say they have been out, spent this or that on socialising,…
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Tuesday 12th April - What small DFW things will you do 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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Debts / Changes of getting a mortgage?
Hi, I have debts amounting to £37,050 - which I pay off monthly, agreed payments amount to £200 per month. I pay them regularly. I am seeking work, and I know its early days to ask but, what are my chances of getting any form of mortgage or rent with a bad credit rating? Pretty slim to none, I imagine. I am living with…
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Pay-Day Loan Self Exclusions?
Hi Everyone, I've recently had to help my brother out, due to these ludicrous companies offering "Pay Day Loans", but part of my offering, was that he doesn't use them again. Is there anyway a Bank could block any/all of these companies or any way he can get himself "blacklisted" from all of these types of companies? I…
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charging order
not sure if i have posted this in correct section so if not mods please move it x i have a ccj with drydens for a credit card debt, total amount of judgement was 3120 quid. i sent in my statement of affairs at time of ccj and made offer of 80 quid a month but drydens would not accept this and court set payment to 223 a…
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disappeared from credit report??
every so often i check the £2 report from Equifax and i had a default from capital one on it from 2009. It incorrectly said there was still an outstanding balance on it for the past year of £171 when this was settled last march and i had a letter from capquest to say so. I sent this to Capital One the end of February and…
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credit file
Just wondering what is the best company to use to get a copy of my credit file? Thanks
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Self managed DMP or go through non profitable organisation
Hello Can someone please advise which is the best way to go. I had my LBM in August last year and took advice from CCCS. I have written to creditors with token payments and have received the calls, threatening letters etc etc. Some have been understanding and some quite harrassing. The question is are the creditors less…
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eBay
Hi, I've never bought nor sold anything through eBay, don't really know much about it!:o Had a big clear out today and there are loads of things I could sell, some good some not so good lol. Don't really fancy going down the car boot sale route. I was just wondering if anyone could give me some help and tips on selling on…
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Help - where do I start?
Hi I really need some advice on how to manage our debt, what to pay off first and really just how to budget - not my strongest point. Here is our income and outgoings Deep breath here goes... Joint gross income: £3,144 Mortgage £643 - interest only Direct Debits: £1,139.00 Travel to work & petrol: £220 Housekeeping:…
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Ok...I need help!! Have been closing my eyes to this mess...
Hello all, In one word - Help! Okay I admit, I need help with sorting out my debts and I just don't know where to start :( I've got credit cards coming out of my ears, I am in my overdraft, I have now started withdrawing cash from my credit cards to stop me going overdrawn and now even the credit card companies are…
