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University debt - overdraft and credit card
Hi guys, Just wanted a quick bit of advice to see if my way of thinking is along the right lines in order to get rid of this pesky credit card. Currently my finances are like this: * Student overdraft - £1400 (£1700 limit) * Credit card (about 27.9% apr) - approx £1500 Unfortunately the credit card is so high as I was…
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Debt help. Left in mess by ex?
Hi am looking for some help in relation to the way my ex left me in a whole lot of debt. When we met I had savings, an excellent credit record and was happy with life. My ex had a bad credit rating and ccj's and really should have seen the warning signs then but such is life you think things will be different??? To keep…
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Question about standing orders
I'm not sure where to post this question so apologies if this isn't the correct place! I need to set up a standing order for my rent to be paid to the agent on 1st of the month. Can you let me know if I should just set it up with my bank for 1st of each month or whether I need to allow time for it to leave my bank and…
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Joint CCJ
Hi, I have a CCJ made against me, and I really want to clear it, however I do not want to be paying out more than I need to. The CCJ was for rent on a property myself and my ex partner had to move out of early, and it is in both of our names. I have offered the person I owe the money to half, as I believe my ex partner…
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Catalogue Charges can I reclaim?
Morning Folks, After succesfully claiming back bank charges, PPI and and credit card charges can I claim back charges that my catalogues made against me a few years ago? Althought the accounts are now settled and closed, I'm sure they would add up to a tidy sum (they where the bain of my life at the time). Any thoughts or…
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A Wise Move or not? (DMP)
Hi Guys, I have recently switched over my DMP with Gregory Pennington to Money Expert (Immediate Financcal) and will be cancelling payments to GP from the end of this month. My total un-secured debt with GP at the moment is around 11k. Now, ME seem to think they can reduce that to circa 7K and halve the repayment time. The…
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payday express wont help
payday express refusing dmp offer help Hi Guys I have been going through the awful process of adding some payday loans to an existing dmp. I fell into the payday loan trap but after contact payplan and telling them my situation they wre wonderful and agreed to help However 2 of my payday loan companies - payday express and…
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please help things getting worse
Hi I am on a dmp and all my creditors except one have frozen or reduced interest and stopped charges. I have one who are refusing to put me on a plan and requesting nearly 3x what cab have advised me to pay a month. Obviously I am not going to do this as I would be favouring them over other creditors and I simply cannot…
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Thursday 18th 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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Can't believe Egg
I have just stopped my dd payment to egg (only due this week), and was going to send them a token payment tomorrow. My mum rang me tonight to tell me that somebody from Egg Bank had called them asking for me and was the number at MY address (which obviously it wasn't) and to call them URGENTLY. I have not lived there for…
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checkmyfile or statutory
hi there, was wondering, i have viewed my file on checkmyfile.com which is callcredit, equifax and experian and my experian file has 6 defaults on there checkmyfile one but when i order the £2 experian one, there is only 3 defaults. Which one is to be believed? which one is viewed by lenders x
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How do I snowball whilst minimising monthly outgoings
Hi guys, I currently have 5 debts, one personal loan low rate of interest which I will just live with until repaid (2014). 4 other credit cards including b/card 5,000 - 22.9% b/card (husband) 4500 - 19.9% n/wide 1,700 - 19.9% - this one has 2,300 available credit on it. should i balance transfer "some" of the b/card 22.9%…
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Debt Management Advice
Hi all, First post on this forum, have viewed many times and would really like some expert advice. Below is the SOA of my family. We are currently in a spot of bother with backdated rent, council tax. Our story is quite a long one but the end is the same as most people on here. Clear our debt and be able to live…
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DMP Advice Please
We have put our SOA up some time ago and people were really helpul, however we have thought long and hard about this and we really think the time has come to choose to take the DMP. We can't afford to do anything at all, buy the kids an ice cream if we are out walking the dogs and we see one, pay for hair cuts, spend more…
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Payday loans
Anyone reading this who is absolutely desperate, just DON'T do it!!!! You will end up in a much worse state than you're already in. Avoid them like the plague!! :( :(:(:(:(:(:(:(:(:(
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newbie sees the light.
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1150 Partners monthly income after tax....... 0…
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Nationwide arrears / harassment
Hello all. I was made redundant, with very little notice, 5 months ago. I now have a solid job offer, to start at the beginning of October. It has been an extremely difficult time, although I'm glad to say there is light at the end of the tunnel. My problems are with Nationwide, whom I made aware of my situation prior to…
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DMP future impacts
Hi I am considering setting up a DMP with CCCS. i'm 25 and i have £14600 of debts (2 loans and 2 credit card with 3 different creditors) I know that going into DMP will have an impact with my credit score. How big of an impact will that be? I don't have a house, but will want to in the future. I have missed 1 payment when…
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Penny Jar!
I don't know if anyone does this but I refuse to use anything smaller than 50p to pay for something, For example if I buy something for 30p and have a 50p, 10p and 20p in my purse I use the 50p and put the smaller coins in a jar. Am I ocd or being sensible? It adds up over time and every little helps, I think I have about…
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Interest on arrears
Hi, Can anyone help me please? Since my husband losing his job and me being made redundant our income has diminished drastically (we're both in work again, but earning a quarter of what we earned previously). When his work stopped I started to put arrangements in place with my creditors and by the time I got to the last…
