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So proud of myself
Hello everyone! Just been online to the debenhams blue cross sale. Normally this sale seriously damages my back balance and i started out as i normally do, filling my "online bag" up. Went through all the stages to proceed to checkout and when i got to the "verify by visa" i paused, went back to my basket and thought, "do…
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Loan, dfw and ideas! Please help!
Hi everyone, I know this is regarding a loan but I didnt get much back on the loan forum (grateful for what I did get) but was wondering if anyone could help me here as I am working towards DFW! I took out a loan with Black Horse 4 years ago and still have just over a year to go until its paid up. I have never missed a…
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Thursday 23rd June - What small things...???!
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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Is My DMP Now Working Against Me?
Hi guys Basically I've been on a DMP since Jan 2010, £4000+ at start, now £2600+ Started out by paying £50, then £100, then £111, now £476 a month. (1 June was first of these large payments) I was thrilled that I was able to make so many savings and whack such a huge amount each month off my debts - in fact it meant I'd be…
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Mortimer Clarke & CCJ
Hi all, This is my first time posting so I hope I am in the right place! My partner bought a car through First Response Finance in 2003. In 2004 he got behind with the payments after losing his job and then we suffered a bereavement and couldn't pay. We moved to our current rented property in 2005. He received a Judgement…
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SOA advice
Big thanks to everyone for their advise so far on my various posts. Just wondered if anyone could have a quick look at my SOA Am I right in thinking that as we have £68 surplus a month this would be used for an IPA? Not sure I understand that part of it..... many thanks Household Information Number of adults in…
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I am the invisible woman-santander totally ignoring me!
Not really sure what to do next. Owe 8000 to Santander in PL, am on dmp with cccs, but they've been adding £1102 per year on in mysterious unexplained charges. I've written 5 times now in last 12 months, 3 times remembering to take copies and special delivery, the other 2 letters are on my file with them they say when I…
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remortgaging with debt
evening all I already know the answer but just thought i would check. We have our mortgage with NRAM, have a lot of debt, as well as a non secured loan with NRAM. Received a letter yesterday stating we no longer have a redemption penalty if we remortgage. This would be amazing as it would free up capital we can put towards…
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Help please - Debt collectors and SAR?
Hi all, If you have a DCA chasing you for a mobile phone debt but want to send a SAR request to the network provider – can the DCA’s pursue you during the time you are waiting for a response or do you tell them it is in dispute? From what I understand the original creditor has a set period to reply to the request – what…
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Credit File question
I have been paying £20 a month off since February on the below debt. My question is, should each individual month be showing as satisfied on my credit file or will it only show as satisfied when the debt has been paid off in full?
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Whi is working longer hours just to overpay debt?
And just how much overtime? Since my pay is switching from hourly rate to price work im thinking of also maybe upping my hours when its appropriate weather to do so. I do 48 a week...looking at upping to 60 min a week to hit my target take home pay. That extra 12 hours a week will be another £1000 a month possibly.
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Silly Girl!
Hello lovely helpful people, I managed to go over my arranged overdraft with Santander by a grand total of £12.05, yesterday. Called them this afternoon and increased the overdraft to cover it. Anyone know how much they will charge me for this.
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Advice the best long term solution please
Thank you for reading this. We are a couple with 2 kids and one of us is self employed. The self employed work has got less and less and at first we thought it was a blip so we borrowed and then now owe a lot, all on interest free credit cards but the payments including the last 7 months of a car own come to £800, which we…
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My 14K problem......Help needed please :)
Hey all!!! Its been a long time since I posted on here! :o I set up the 10K in 2010 challenge, was around for a while, then dropped off the face of the planet!!:embarasse Been a mental 18 months for me, but logging on here today I dug out the 10k in 2010 post and WOW!! im so impressed with what people have achieved :T…
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Help getting rid of "manageable" debt
Hi All! Thanks in advance to anyone who take the time to read/reply. I'm very grateful. I'm currently in about £21k of debt (mix of £2500 O/D, £2k on student loan, £4k on a loan I used to buy a car, and the rest is CC debt). My debt hasn't been getting any worse over the last few years. I haven't used a credit card for as…
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Please explain this to the newbie!
Hi, I have around 13k of debts at the age of 22. Am sorting out at the moment, as I am pregnant I have written to everyone asking to make small payments till my money is sorted out. National Debtline said the first thing was to actually ask if they would "write it off" and if they say no then offer £1 per month for the…
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old debt was £174 jumped straight up to £513 with lowell /mackenzie hall /meritforc
new to this so hi everyone hope someone can help me! have had lots of debts and i am nearly done sorting and paying i have 3 that remain and these are for old orange phone now debt with arrow globle for £776 which will be 6 years old on 15/07/2011 so hoping this just goes away! then i have a next for £377 which i never…
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Phoenix Bailiffs and Council Tax Bill, Please help
I'm really worried. When I received my new Council Tax Bill in April it showed my new bill as well as outstanding arrears of £1900. I receive Housing Benefit, my wife works and I look after the children. I presumed that because I was on 1 benefit it covered my Council Tax so I didn't pay it last year. At no time was I…
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Experian Credit Check Privacy Question
Hello All, I'm a first time poster, though have found these forums a useful resource for the past few years, so thank you for that. Let's hope I haven't broken any MSE new thread rules with this... As part of a much bigger issue, I have been asked by a Mortgage Broker to get my credit score report from Experian (or any of…
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Sar'd Debt Collector, heres the results...HELP!
My partner and I are in the middle of applying for a mortgage, so we both decided to view our credit reports on line. I was totally shocked to discover a big fat 8 on my report from a company called Cabot Financial. They filed the default in April of this year. I contacted them and they said they were acting for a mail…
