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Making the most of being home with my boys
Hi everyone, This is a shiny new diary from me, as I haven't posted on my old one for ages, we have had a new little man arrive, and the time feels right to start a new diary! I am a SAHM mum to 3 lovely boys who are 3, 1 and a half, and 2 months :D I gave up work in April, as it wasn't worth it for me to carry on with the…
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What to pay off first
HI ALL Need some advice i got into bad debt a couple of yr's ago and i'am now in a position to start paying it back.It's spread out over 3 loans and 2 credit cards £19,000 on a lloydstsb loan 15,000 on a second lloydstsb loan £7,000 on a HSBC loan £4,200 on a capital one credit card and £3,600 on a mastercard.So as you can…
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Bank Account for bad credit rating?
Hi this is my first posting on here so please be gentle with me I am in need of a bank account just a basic one, cheap as poss to run but for someone with a bad credit rating. I guess that this question has been asked many times over but trying to search for the words bank and account does throw up to many results and made…
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Just a quick question re: new DMP
Hey All - a quick one for the knowledgeable, I hope. I'm just in the middle of putting together my letters and token payments to creditors, in readiness for the start of my DMP. I think I recall being advised to send them to whoever still owns the debt, regardless of them being collecting by various companies ... ? Am I…
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In a DMP but outgrowing our house...
Hello, Been in a DMP for a couple of years now and the debts are going down nicely, as well as just starting to break even on the mortgage too.:j Problem is we're in an upstairs rather "compact and bijou" flat with no access to any outside space of our own and we're having a baby in January. Plus the tenants in the flat…
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Callcredit and debit cards grrr
I tried to use my Natwest debit card on call credit but it won't accept it and i need to register on call credit to use their new site. Do they just hate debit cards and want credit cards only?
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Bank of scotland debt ...
Hi all , as you see i have created a new account because i am a embarassed that i have got myself in this much of a mess .... I currently owe Bank of scotland £13,500 on a visa credit card this is made up of mostly life of balance transfers at low rates of between 2.9 % and 8.9 % with the exception of £3000 at 17.9 % now…
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sick of living on the overdraft
Hi I need some enlightenment!! We are currently using our overdraft as we never seem to be able to get in the black. Its a real stress because obviously once that runs out we have no money at all, and its even reached the stage where we have not been able to pay the mortgage on a number of occasions. Our mortgage provider…
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CCJ On mine and father Credit Report
hi there first time post here as i am at a loss as what to do, let me try to explain. Basically recently just moved area and needed guarantor for a flat so ask my dad and was happy to do it, has excellent credit record (or so we thought), Basiclly it turns out there are CCJ's for £100 on both mine and his reports, stemming…
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Over with the Overdraft
I need to get rid of my overdraft once and for all and I hope by posting on here and putting it in black and white I might stick to clearing it! My overdrafts currently stand at - £2.5k and £4.5k So a combined total of £7k:eek:, the limits set are £8k and £5k so I'm not at a point where I've used up to my limit but I am…
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BH Monday 29th 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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Experian 30 day trial period??
Hi, I am keen to confirm my current credit rating....and was working my way through the Experian login process to sign-up. I noticed it said about the 30 trial..and then if you choose to....you can pay £14.99 monthly. Does anyone know if they do allow you to choose and don't just start taking the money automatically????…
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LBM just in time
hi, after lurking around for months reading inspiring posts from so many of you I decided it was time to join the party and post.:) My OH and I had our LBM just a couple of weeks where enough really was enough and we need to get a grip of our finances.By sticking to regular payments we will clear our unsecured loans in 2…
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Lowell portfolio again
Hi all After receiving 3 letters from Lowell regarding 3 different debts 2 of which were back in 1996. I sent Lowell two letters, One asking for proof of debt and to stating that this debt is is effectivley statute barred. I received a letter stating that they had received my letter asking for this information and would be…
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The Solvent September NSD Challenge
:j WELCOME TO THE SEPTEMBER NSD CHALLENGE :j Every day’s an adventure on the NSD thread, it’s just time we admitted it finally. We share tales of how we’ve managed to avoid buying Whoopsies, shop-made sandwiches, chocolate and any other must-have purchases in an attempt to gain as many NSDs (and prizes) as possible. That’s…
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Quick question about credit searches.
Hi, When people do a credit search, can they go back further than 6 years? Thanx, Candy
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Credit report mistake????
Hi I hope someone can help me with this... I will try to explain as clearly as possible. I checked my credit report today and have found what I think are some errors which I need sorted. For a good few months i was ignoring my store cards (new look and river island) and missed many months payments. The debts were then…
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Restons CCj advice
Can anyone help. I have recently been given a CCJ for an MBNA debt which is being handled by Restons and they accepted my offer of £50 a month in installments. I then had a letter saying Restons were going for redetermination hearing which had been transferred to my local court. I have been waiting for a date to go to…
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SOA / Budget for car maintenance
Hi Just wondering what people use as a rule for their car maintenance / MOT / servicing etc figure in their budget. It's just a lot I have seen on here only allow £20-25 a month. Now, I've just had a bill for £550 and expect a similar amount around MOT time and for a years motoring a would expect a total of about £1000…
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Releasing money from house to pay off debt
Hi, I am in a lot of debt, about £13,000, and am really struggling to meet monthly repayments. We (my partner and I) own our house we paid £126,500 for it 2 years ago, and there is about £95,000 left on the mortgage. The house is now valued at £138,000. Is there some way that a portion of this equity could be released from…
