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Daily saving ideas for D.F. Wannabees?
Keeping up with money-saving, penny-pinching thriftiness day after day is a bit of a full-time job, I'm finding. I thought it would be really useful to get ideas from other debt-scrunchers, so when I run out of things to do I can be inspired! :A Yesterday I paid for parking with a handful of change from the penny jar,…
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Job hunting on a DMP
Hello everyone, Over the last year I have been looking for new job to increase my wage and at the same time the chance to relocate back to London. Finally, after being in the wilderness, I seem to be getting responses back from recruitment agencies that request you register with them first. Because a short notice return…
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Default with Argos
Hello, i'm looking for some advice on a defaulted debt with Argos that happened in December 2008, after a few late payments the account was defaulted and we were told by Argos that the account would be handed over and interest frozen, we have now been paying the debt for nearly 4 years and in our opinion have way overpaid…
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Best way to pay off debt? New card and balance transfer or Loan?
Hi, i am looking for some financial advice. Over the last 6-8 years i have managed to rack up £25,000 worth of credit card debt (stupid i know) and it's now got to that point where i am struggling to pay it off each month especially with the interest. I have made quite a few lifestyle changes in terms of my spending but am…
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Help - SOA included
This is my first time using this site I am just checking I am on the right page. I need help with debt.
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previous tennants affecting credit rating?
I have got myself debt free and have not missed payments for yeeeeeeeeears so assumed i had a good credi rating. I recently applied for a new santander account and got refused....why?!?!?! I was wondering if our previous tennants at our flat could affect the property as we are still getting a lot of their post after 4…
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Still not sure I got my thrifty mind on...
Its been a while since I realised my attitude towards money needed to change. I have made a few positive changes such as paying off debts and bills straight away but I am now finding it difficult to stop myself wanting to spend. What I really want to know is from those who naturally tend to save money. If you are like…
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Wescot Credit Services
I was rudely awoken this morning by a text message on my phone: "Please call Wescot Credit Services urgently on (0844 number) quoting reference number (xxxxxxx)" Their address was at the end of the message. Now I owe £36.66p which has been sitting in the bank waiting for the company I owe it to to take it out as per an…
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Bad credit rating
I am unable to even get a normal bank account and can only get a basic one due to having missed payments on an outstanding loan. I have now paid off this loan, does anyone know if my bank account circumstances will change anytime soon?? :o Laura
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Do Lloyds credit card share info with Lloyds bank account?
Hi all I am trying to help a friend with some money problems. She has about £100k in debt (mostly credit cards). We are trying to sort it out, and she has a job now (not that well paid to ever pay the minimum amount on all of them). The interest rates on the majority of credit cards are 30%. Her bank account is Lloyds TSB.…
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Scottish Court - Time to Pay / Time order
I've received court papers and have two options as above to pay a debt to cheque centre (exckuding paying it off in one or disputing debt). Does anyone have any experience of this system and which would be the best option to go for?
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advice req re capitol one / iqor recovery services
Hi , got the dreaded letter saying my debt of £1195 had been passed on to iqor recovery, I dont have the money to pay it off in full obviously , what happens now ? if I was to write back and offer them £30/35 a month would they accept it , any advice would be grateful thanks
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CD UK, debt recovery harassment
Yesterday I took a phone call from a woman who was trying to get in touch with one of my daughters. She said she worked for a company called CD UK and asked if I would pass on her phone number to my daughter, she also gave me a reference number to quote. She wouldn't give me any other information quoting the Data…
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Newbie here -need basic account with debit card
I've been lurking for a while and finally got the nerve to post. I'm just about to start a DMP with Payplan, and need to get a basic bank account sorted out first. I do need one where I'll get a debit card though. Co-Op, Barclays, Nat West, Lloyds (now they own HBOS) and Santander are out - does that leave me much choice?…
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Woolwich openplan advice
Hi, I have an openplan mortgage with the woolwich, balance £121,000, original amount £153,000, and was wondering if i could re-activate the mortgage reserve (never used it previously, and it was de-activated a few years ago), and use the reserve to pay off the amount i owe on my DMP (currently approx 12,000, and about 2.5…
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Please help me with stoozing!
I have a £13k HSBC loan (£18k inc. interest). I am looking into a 0% credit card to pay off the loan, I would only need to transfer the balance twice (based on paying off £5k per year). However, I am having trouble searching for a card that would lend me that amount, although I know some people who have £20k on credit…
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Wednesday 24th August 2011 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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Advice ref Natwest/Capquest Debt
Thank you in advance for reading this, any advice regarding this would be greatly appreciated. I have had debt troubles for a number of years now and these were being managed effectively with a DMP plan through the CCCS. Unfortunately I lost my job a few months ago, which has meant carrying out a review of my DMP complete…
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Just traced 6 years worth of address history
So my first step to get my credit in order I decided to trace my address history for the last 6 years Since I was 17 I have had 17 different addresses.:eek: the longest was 19 months. The shortest was 3 days. Most of this is from when I was living in homeless properties. Some of it was landlords letting me down. I just…
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Problems with aktiv kapital and now CSS collect??
Basically, in my first year as a student, I had my identity stolen and a store card at Harvey Nichols was opened in my name. This was back in 2009 and obviously it defaulted. However, I didn't find about this debt until august 2010 when aktiv kapital registered a default against my credit file. I spoke to them on the phone…
