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Arrangement to pay v default
Hello all, I have an arrangemrnt to pay a catalogue debt that will currently take around 3-4 to clear at the current payment rates. from what I understand, this will stay on my credit file for 6 years after that, so 9-10 years. I don't plan on getting aby credit for 6-7 years until I buy a house, so will need a mortgage.…
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Default Entry: Hillsden Securities - Equifax
Hi all - I have a default placed on my Equifax report which states the following: Name:Mr XX XX Date of Birth:XX/XX/XXXX Terms:0 @ £ 0 (Monthly) Status:Defaulted Current Balance: £ XX Start Balance: £ 0 Credit Limit:£ 0 Default / Delinquent Balance:£ XX Start Date:22/07/2004 Date Updated:05/06/2007 Date Last Delinquent:…
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Temparey reduced monthly payment stopped
Today I recieved a letter from sygma Bank regarding my account and have told me they have stopped the tempary monthly payment and they are wanting me to pay the normal monthly payment from my next statment. Please can you advise me what to do as the normal monthly payment will be about £80-100 pound
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Percentage of Credit Used vs. Amount of Credit Available
Which is better... There's only one way to find out... FIGHT!!! :D Anyway... I'm currently digging my way out of debt after moving in with my parents and I've got to the point where getting a 0% balance transfer deal would shave a few months off the process. I have a Halifax current account with a ridiculously expensive…
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Payday loan help!
Hi I apologise if I have duplicated anything already stated on a previous thread - I couldnt find anything similar. Please HELP!!! After, very stupidly, running up a lot of credit debt and being on the payday loan merry-go-round for a year or so I have decided to stop digging my head in the sand and sort my mess out. I…
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Thank you!
Thank you for everyone who has given me advise and help over the last month! it has been a busy few months after a huge bill got dumped on my door for just short of 39,000 due to a mortgage short fall after my house was repo'd. After further phoning around this debt raised to 61000 due to a secured loan. i was in a low way…
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Advice re HSBC please
Hi all, I am on a DMP with CCCS having sought advice here some time ago and it has been a weight off my shoulders. Although a long way to go - I think I have been relatively fortunate with how my creditors have responded - most have frozen or reduced interest expect for ...HSBC. They sent my mastercard debt to Moorcroft…
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Hi - Where to go for advice?
I went to my bank last week for advice re: existing debt. I just wanted a review to see if I was doing everything right to pay it off, but he proceeded to try and sell me a loan to consolidate, which is not what I wanted at that point at all! Debts are currently on 0% deals which will come to an end in the next few months…
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Account in Credit!
Hi! It's pay today and my current account is now in credit for the first time in years! 65 pounds in credit, to be precise. Considering 4 months ago I was almost 1800 pounds overdrawn on pay day I think that's pretty good going! Sorry to sound like I'm bragging here, but I feel like I'm about half way to having all my debt…
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Cant cope any more
Hi I am feeling so low today, really feel tearful, I think everything is getting to much, I am in debt 22k, am on a dmp, but with non stop bills, I just feel like I am losing the plot, I am like most of you, wish I never starting using credit cards, I need to get sorted, get my life together , I have a wonderful son, who…
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Changing DMP
Hi, I have been ni a DMP for approx 5 years now and I think I still have about that to go, if not more.:( At the time of choosing the company I was not in a very good place due to the debts so I just went with the first one I found. I am now thinking of contacting my creditors direct as I am tired of paying the company for…
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Advice Required Re Defaults & Settled Accounts
Hi All, I'm posting this as I have seen lots of conflicting information regarding defaults and settled accounts. I'll use this example: A mobile phone debt defaulted 01/01/2007 Settled 01/01/2010 Does the default drop off the credit file 6 years from the default date or 6 years from the settled date? I.e. 01/01/2013 -…
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On the edge and dont want to fall
I dont know where to start. What I do know is we're in a mess! I realise it could be a lot worse, but if I don't try and organise some changes, things will become desperate. I will post SOA below. It seems as though every month we end up using credit cards to get food and petrol and now the credit card repayments are…
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HFO Services, Who are they? Advice needed.
I have been sent a letter today from HFO services saying its a reminder to the £3936.83p i owe Welcome. I can remember having some kind of welcome account years ago and thought it was about £400 but also thought i had paid this off. The amount they say is no where near the amount they say. Also the letter states my account…
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CCJ nearly off file but showing as active
Hi, when it comes to money saving and advice, I always come here and usually I find what I am looking for without needing to post. Apart from today. Short story, looking to rent a property and new landlords have completed a credit check for which I was refused due to an active CCJ. Now here comes the dilema, the debt was…
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PPI debt advice
moved thread in wrong place sowwy
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Phase 1 of being debt free woohoo! Opinions on Phase 2?
Hi Folks, Long time reader short time poster. First of all thanks for all the indirect encouragement! Great board! Today we (me and my finace) have finally finished our Phase 1 of our being debt free programme that’s taken us 12 months!!! Yeeeahh!!! and to be perfectly honest are over the moon!! Our programme was: Phase 1…
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Wed 27th April - 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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Pressure from bailffs....
Hi Everyone! Wow, where shall i start?..........I have been having financial diffulties recently and the passing of my dad unexpectedly certainly didn't help 9mnths ago.. I have fallen behind with my council tax and was contacted by Rundle and Co bailiffs to collect the arrears...I did contact the bailiff and made an…
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Robinson way
Hi I'm new to this today, just after any advise please. Robinson way put a card through the door a few days ago chasing for a debt which is my partners debt which is well over 6 years old. we haven't responded to the card. Tonight a man was thumping on the door which I answered and he asked for my partner which I replied…
