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Wrongful default
Hi, hope somebody can direct me here! I went in to buy a sofa today, hoping to get it on a buy now pay in 12 months (this is the first thing I've even had on credit), but got declined. I've been online, got a free credit report from Experian, and it turns out there's a default on there from 3 years ago that I had no idea…
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My SOA - Advice appreciated :-)
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1100 Partners monthly income after tax....... 0…
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Weekly Spend Challenge w/c 28th August 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.…
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Please help me sort out my short term situation
Hi everyone, I've been a member here for sometime, but my situation has now spiralled out of control and I need some help please. A few years ago, I went back to uni as a mature student and the only way I could pay my bills / mortgage was with credit cards (alongside my student loan). I qualified as a teacher 2 years ago…
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full and final offers
If l want to pay a full and final offer, with my creditors I got a debt of under £593.00 Barclay card, RBS old revolving budject account £400.00 (possibly interest payments occurred) how much do we say offer them would it be about 40%. thanking you
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Hello from a newbie
Hey I am a newbie to this site and I am loving all the support and advice on this forum. I am just in the process of writing down my SOA so will post this for comment later :) Definately had my LBM today so really hoping to join you all on my journey to being debt free :beer:
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Need advice !
I Am a 20 year old that cant seem to get nothing i have had my identiy lied about for eg my dob was lied by my mother unfortunally before i new i could do anything she had rung up almost 9 grand worth of debt i was unaware of any of these problems, and she moved away and i moved in with my father unaware untill i was…
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sharing and help. As a single mum i recently found out i cold get help I wasnt aware
As a single mum, even without my debt problems I found out I could get help towards the cost of my daughters uniform to go back to school as I am a low wage earner. I have never claimed for things before but the situation I am in now means I mustnot be proud and take any help out there. 1. Help towards cost of school…
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Dmp newbie with a question
Hi, I'm in the process of setting up a Dmp with CCCS. Debts in the order of £35000 of which 17000 loan & the rest on cards. I have agreed to pay £337 per month but don't yet know if creditors will accept this. Debt was mainly because of a self-build that wen't a bit over budget & over time, probarbly not a good idea to try…
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Mortgage debt 15yrs old can they still chase
Bit of a long story but will shorten....brought a flat with ex husband in 1992/93 for around 45k we had a first time endowment mortgage. It was repo'd on a voluntry sale basis which i thought had to be agreed by both parties if a sale was made. Anyway it was sold for 17k cash! First we heard was a letter to my mothers as…
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Arrangement to Pay - Barclaycard
I am currently in an arrangement to pay situation with Barclaycard. This came about from entering a DMP with the CCCS, best decision ever. I have since left the DMP as my circumstances improved and I'm working towards getting back on track. The issue is BC have my AP on 2.9% interest which is fantastic for me. However I…
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where has my payment gone?
I have just had my first lot of payments going out to my creditors from CCCS for my DMP. I cannot see 2 of my creditors accounts online but can see the other 3. I can see that the payment made to my CC with my bank has gone in fine though the payment towards my overdraft with my bank has not shown in my account yet. Also…
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RBS Credit Card CCA request-fulfilled?
Hi all, I recently sent a CCA request to RBS for a credit card account opened in the mid 90s. They sent back a copy of an agreement that has an address 5 years after I opened the account. It is certainly not a copy of the original. When I queried it, they said that they "can provide a 'true copy' that does not need to…
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Sat/Sun 27th/28th 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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Hello and thank you
Hello I have been a lurker on this site for about a year now, and thanks to this board and a few others, I have learnt so much and really made a difference to my life I'm Sanaa, I'm married with a 1 year one old daughter, work full time in healthcare Basically, we had a period of over a year where my husband was made…
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my soa
That cant be right can it?Why am I aStatement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 800 Partners monthly…
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how much can i settle this for
hi there just a bit of advice, have a default through o2 due to expire in 2013 and its for £217. How much could i offer to pay this off for so that it reflects as settled on my credit report? Any advice many thanks
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Real-Life Lightbulb Moment
I think i had a real-life light bulb moment this morning. I went to work (i'm a cleaner) and went to turn the light on in the toilet and it exploded. It went with a loud bang and smashed all over the floor :eek: Do you think it was trying to tell me something? :rotfl::rotfl::rotfl:
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£18,000 in debt and need advice!!
Hi there! I have a bank loan of £6,000 (payments are £166 per month) thi sis with Lloyds bank. A Halifax credit card with nearly £8,000 on it and a Satander Zero credit card with £4,800 on it!! I have a good job working for a very large media compnay but I am on a day rate of £105 per day with no holiday or sick pay. This…
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No debt but low credit score!
Hi I'm thinking of a mid-life career change into finance and some of the jobs require you to have a healthy credit score (afterall you cannot advise businesses how to invest if you cannot even manage your own finances). With this in mind I looked at my credit score today. It is 603, which is a bit on the low side, most…
