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Don't understand my credit reports - help?
Hi, I recently set up the free trials with Experian and Equifax to have a check on my credit reports but I'm slightly confused with some of the stuff on there so I was hoping someone could explain. There are 4 accounts listed - 2 settled, and 2 ongoing. The oldest thing is when I opened a student account with Barclaycard…
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How best to use inherited property
Hi Not sure this is the best place to post this but this forum has been very helpful to me in the past so trying here first. I have just inherited a property from grandparents. A fairly large 2 bedroomed flat with no mortgage. Fairly old decor but nothing actually wrong with it. Not has estimate done but similar properties…
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When the world seems to have it in for you
Hi, I've not posted for a long time on here now, nothing new to add just grinding along trying to repay my debts as best I can and thinking I can succeed in 3.5 years of austerity. But the trouble is, with everything cut to the bone and no savings we live one disaster away from ruin all the time. This week the DD finished…
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My statement of means
Sorry new to this, not sure if this is the right this to do? But below is my situation..Not looking very good at all. Not included money for going out, just clothing and toiletres. Monthly Incomings: My salary - £1,450 Potential Lodger - £300 Total - £1750 Monthly Outgoings: Mortgage/Rent - £750 Council Tax - £100 Council…
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Is it wrong?
To set up a new account, as a saving account (i.e. say set up a standing order and pay x amount in every month to get some savings going) While having around £4k+ of debt on other accounts from being overdrawn (planned) and various credit / store cards? I pay these off, with the exception of one credit card where I pay…
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potential split, not enough income
I need some help I have a lot of debt and currently I am managing ok as I have my partners wage plus mine. However I am not sure that me and my partner will be together for much longer and if we break up I am not sure how on earth I will survive. I worked out without his wage and this is without any disposable income for…
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DCA say they are not obliged to supply copies of original agreement, is this right?
I have been corresponding with Lowell Portfolio for around 6 months regarding an old O2 account that belonged to my old business – they say I am personally liable and I dispute this. They have never been able to produce any paperwork whatsoever to support their claims (and I have written around 8 times asking for some kind…
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Settled account but debt collector chasing me
Hello I have recently just checked my credit file and on it is a settled account with Grattan, now whether they have written the debt off I do not know but I am having EOS Solutions chasing me and threatening to take legal action against me, I am paying off lots of debts but I don't see why I should be struggling to pay…
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Monday 27 June - 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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Help with debts
Hi everyone. I'm a new poster to this section, so please be kind :o My debts aren't huge but I'm really trying to cut them down to save on some of my outgoings each month. I owe £300 to Studio cards :( which I stupidly took out a couple of years ago, and they are chasing me for it. I kept ignoring letters and calls as I…
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How many LBM flickers have you had, and what made the final one - the one?
As the title implies, it seems like many of us have several LBM before the actual factual last one sinks in and sticks. I'd had debt since the dreaded student overdraft in 1985 - eek. Finally got myself debt-free this January prompted by marital break-up and the need to provide for myself and my children (although ex…
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Equita - Help
Hello people, looking for a bit of help here. I received a parking ticket which in all fairness, i forgot about. On Tuesday 31/05/2011 i received a letter through my door (was posted by hand & not even in an envelope) stating i have 24 hours to pay. The same day i sent an email & a letter to Equita asking them for a…
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Removal of default from credit file if no proof of debt....is it possible???
Hi All, Just after a bit of advice....I've been having an ongoing battle with a certain Debt Collection Agency. For the last 5 months I have been asking for a copy of the original credit agreement, which they have been unable to provide and they have stated the debt was purchased by them in good faith and my dispute is not…
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Rent worries
Hi all, would just like a bit of advice about any future problems that may arise. My debt is all rent owed due to various reasons, mostly bad timing and stupidity (all our major bills are due first half of year and we didn't save up for them). I want to find a new place to live as the petrol costs are killing us due to my…
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Year zero, month one. It works!
Well, last month, I decided I was going to get a grip, once and for all. I headed over to the Old Style Thread, I read everything I could. I went shopping at the cheapest national store I could and stocked up on everything in bulk which still only came to just shy of £100. This is the first month of real austerity where i…
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offers to dca's - what do they allow for living expenses?
hi there, does anyone know how debt collection agencies work when it comes to filling out income/expenditure forms? how much do they allow you for living expenses after bills? food, clothing etc - do they allow for car insurance, home phone, petrol to work? sorry if this has already been asked - thanks xx
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Confused and very scared
Hi all...I am so down at the moment, I can't eat or sleep through worry. We were trying to sort our credit files out and I think I've made a huge blunder. We had been in a DMP for five years with spectrum, this finished in Jan. I contacted the various DCA's to ascertain where we stand and actually who they are and what…
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To have the water on constant or not?
I have heard varying arguements for both - I have turned my water temp down today as it was set at 65 degrees so turned it down to 55 degrees but it's on constant. Some say that it costs more to heat a whole tank up a couple of times a day than it does to keep it running at constant. Has anyone done their own research and…
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New member - A slightly unusual situation?
Hi everyone, I'm a new member and here to sort things out. This might be a long intro because I do enjoy the sound of my own voice - sorry in advance. Well, I'm newish, I've posted a couple of times, browsed MSE reasonably extensively and pour through the weekly email each week. But new to being an active forum member…
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Weekly Spend Challenge W/C 26th June 2011
Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
