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Pay off 0% CCard or pay off loan?
Hi lovely peeps :D Need some advice. I have finally had to admit that I am struggling with money whilst OH is off sick with a injured back. He won't be returning for a year or 2 and I am now sinking with our bills on my own. I called some of my debts to see if they can help. I have the following outstanding excluding my…
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Settlement Offer
Hi All, I have received a letter in the post for a 50% payment to clear the debt. Does it sound ok to you...I would write back but don't want to reset the SB clock. Dear Mr X, Reference debt of £2500.12 owed to BANK OF SCOTLAND WHITE LABEL. We have sent you a number of letters, we have tried to telephone you, and our local…
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Losing weight V saving money!!
Hi how does everyone else feel abut this? I find it hard sometimes struggling between picking cheap food eg sandwiches or making weight watcher points go further by chosing high protein meals ? eg i could esily take a cheese sandwich to work 12 points or have a ham salad which costs more. Also sometimes we have food iput…
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Maintain Amex charge card while on a DMP
Hi all I am currently going through the final steps of setting up a self managed DMP, the remaining creditors are starting to accept my pro rata payments and I feel a lot better and relieved. I have an American Express charge card which I use for work purposes, mainly travel related. I was wondering how realistic is it to…
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Credit File - Default
Hi Everyone Can someone please advise me regarding a defaulted account on a credit file please. I have sorted out most of my debt and am slowly getting turned around, I even have vanquis and aqua cards to help improve my rating and by using and paying off each month it is helping rebuild what was a terrible record. I have…
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I am debt free!
After owing £11,000, I now owe nothing :jI can't believe it, I am so excited :) :T:T:T
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Really Had Enough
If you have ever read any of my other posts you will know that in March/April time I had my LBM. I decided to seek advice through a Money Advisor(MA), got everything sorted with an SOA and decided to go down the Debt Arrangement Scheme (DAS) route, (a Scottish binding DMP where all charges/interest are frozen and you work…
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Default for going over CC limit
Hi, i went over my credit card limit a month or two ago. This was because i was using my cc excessively while natwest were sorting out a replacement bank card for my normal student account (which they took ages doing). I went over by ~£70 - normally i dont use it for anything other than petrol which i pay back every month…
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credit file help?
Still trying to fix my chequered past and my equifax file basically has 3 red defaults, 1 green settled account and 13 green "run well" credit accounts. I am going to settle two of the defaults and the other one is being disputed so hpefully should be settled or removed completely. Will this make my report better or does…
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Its nearly over for me. the debt that is.
Evening, Three years and 8 months into debt repayments and next friday is my last payment for my HSBC loan, its my last one to pay off and then i can move on. Things have been pretty tight for us as a family since our son being born and my DW giving up work to look after him full time has made it harder but i haven't given…
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Six year account on credit report - still there!
Hi all, I hoping some of you experts can help me! I have a defaulted account showing on my Equifax credit report. The satisfaction date was 24 Aug 2005. Now I know that after six years it 'should' drop off. Today, my excitement overcame me and I quickly purchased an updated Equifax report. My big smile was soon turned…
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SOA Any Advice Welcome
Hi not been posting long but have been reading a while. Below is my SOA but sorry the figures are 4 weekly not monthly as thats how im paid/pay my bills. im not curretnly working due to being off long term for sickness also have my 2 gorgeous children ds 2 and dd 6 months any advice appreciated Statement of Affairs and…
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Husband's Bankruptcy
Hi, sorry if I do this thing wrongly but I have never posted before. My question is this: my husband has a retail business which is failing and going to be closed down next month. He has about 70K in personal guarantees for loans and the lease on the property and 30k in credit card debt. We have a house which we are trying…
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questions about a cccs dmp
hello ive been in a dmp for a few years now. i have a question 1. if i change my address with my creditors and or cccs will i black list or effect the credit rating of property owners. i was thinking of moving in with parents but was unsure of consequences.:(
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£10 per day in September ** ALL WELCOME** :)
Hello to all newbies and regulars and welcome to another £10 a day challenge. This challenge first started in September 2007, so this will be the 47th Month this challenge has been going . So thanks Batgirl for starting it and Purpleroses, JesaRose, Aesop and MizMir,who also keep the thread going. I know this first post is…
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I know I have been stupid - what do i do?
I used to live with my parents in Warwickshire and had £15k debt, which I had to give to Payplan. I now live in Nottinghamshire - I am still paying Payplan. Now i've been so stupid as to take out payday loans and I'm right back to where i started in the fact I have a couple more thousand of debt. What is the stance on…
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What happens if I don't payback a payday loan?
Does it go to a debt agency or straight to court for a CCJ?
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Been asked for advice(Re bailiff) Urgent
Hi there and thanks for reading, I could do with some advice. I have been asked for some advice but I really haven't a clue where to start. Also given the serious nature and the urgency of the situation and the potential to make things even worse by giving duff info I thought I would ask the experts on here. I am terrified…
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Please help - been stupid and taken payday loans
I owe Wonga, Wage Day Advance, Lending Stream, Cash Genie & Payday UK. The payment was due yesterday but the easy cash account i held with halifax has been closed at my request. I have set up a new account with halifax - can this be accessed by these companies?! I have contacted the companies already to explain i cannot…
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My SOA... any advice very much appreciated!
Hello all Thanks for taking the time to read my first post. Any advice that can be offered to would be very much appreciated. My brief circumstances... I was made redundant back in February this year. I'm back in work now but have had to take an £11k drop in salary in order to do so... as a result my finances have taken a…
