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Would someone mind telling me I've done the right thing please?
Hi all, just looking for a bit of reassurance I've done the right thing.... Have 2 credit cards, ca 7000 on one with 7.9% interest and ca 3000 on one with ca 16% interest :eek: this morning transferred the high interest balance to the low one, I know it makes sense but the thought of having 10,000 on a cc makes me sick. I…
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Credit report looks good but still letters coming through
I recently got my credit reports from Experian and Equifax (just signed up for Noddle). The Experian showed good but it showed no debts linked to me and the Equifax only showed one. I have had other debts in the past and im still getting letters through from them, none of the reports showed when the last point of contact…
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PPI PAYOUT; now I Want to make an F&F Offer?
Hello All, I'm a forum virgin! :j I was wondering what on earth to do so in our situation and as I've been hovering around on here for months getting lots of lovely information (thank you all MWAH) we have won a PPI comp payout of hut hum....total of 14.5K. Well we have nearly 19k of debt due to the usual stuff, my partner…
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So how do you file your finances
I have been attempting to get debt free for a couple of years now and currently use a lever arch file. This however is a nightmare with the amount of debt i have im fed up of plastic wallets ripping because there rammed lol. So im curious how do you sort and file your debts? xx
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Nationwide Court action Urgent help please
I am currently on a debt management program with payplan, I have nine accounts All of which have accepted payplans offers, four of the accounts are with nationwide, they have accepted the offers on three of the accounts but have rejected the offer on my wife’s credit card, the account was opened in 2003, after reading…
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How can I save?
Hi all I've just used the SOA as seen in another post and have posted it below. I feel frustrated that I go round in circles and feel I will never improve my situation. Apart from getting a lodger (in my one bed HA rented flat, would be a squeeze) I can't see how i can ever save to buy my own place. I could stay in rented…
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Bizarre letter from Triton
Tempted to send them a cheeky reply: Anyway here is what it says: Just how thick are these people? I am still rather angry that this whole situation resulted in a default against me given the hassle I had getting information from NatWest prior to entering into the repayments, had to go to the CEO's office. Anyway, I am…
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Sat 19th/Sun20th November: What dfw things have/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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large debts but payment will take forever!!!
I have debts totaling £40k with 10 creditors. my monthly income is £2600, and my outgoings are £2400 leaving £200 for my creditors. On the advice of the CAB i have contacted all creditors and have made arrangements to pay £1 per month as a short term measure until the £200 can be divided fairly between my creditors. my…
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Help with a default notice!
Hi I have been looking everywhere for an answer and can't find one anywhere! I had a debt with Very while i was a student and as a result i couldn't pay them which resulted in them passing the debt onto Arrow Global Limited... I have since found work and have set up payment plans etc. and was slowly rebuilding my credit…
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Advice on credit report
Hi everyone I've checked my credit report this evening and I noticed that I am showing as Defaults for an Egg loan and a Barclaycard loan. I took out an IVA in 2006 and settled this early with an offer of payment in 2009. Barclaycard and Egg were both included in my IVA. The defaults are both dated 2006. Could anyone…
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i was told pay the amount owed to southern water to stop ccj
hello im currently seeking a debt relief order which im just gathering the last bits off info needed for it when i was told today that i have a ccj from southern water back in january but when i was talking to southern water i was told that if i paid the amount in full by the date they told me it would all be stopped so to…
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Please help, massive council tax arrears! SCOTLAND
Hi everyone, This is my 1st post so please take it easy on me. I am in a big mess and I know it's entirely my own fault. I have recieved a letter from the council saying i owe just under £13000 in council tax arrears. This is correct and yes I do owe £13000 dating as far back as 2001 when I was only 16 when the mess all…
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F & F or DMP.......help!!!
Long story short - husband self employed, me on incapacity benefit - have four kids - debt around 50k on cards and loans nothing secured - basically husbands business suffering and really can't afford to pay - soa has been cut to the bone literally and ebaying like a demon:eek:-doing everything I can there - have written…
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I need help with 1st credit!!!
Sorry if i have hijacked a thread but had no idea where to write this.......I received a letter from 1st credit saying i owed £990 to a debt. After a very rude phone call in which i did not admit the debt but i was spoken to like i was the scum of the earth, i wrote asking for a cca. I have received a photocopy of an…
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Digging out of the payday loan trap
Official MSE Insert: If you've arrived from Google, see our Payday Loans guide to check if you really need one. It's also worth reading our Debt Help guide. Back to the original post... Hi all, Not exactly a new poster but a lot of family know me under my main username and I would rather they didn't know about this. Before…
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Debt for Another Person with Same Name
Hi Everyone, I find myself needing help and advice from anyone with more experience in this situation. I received a letter from a company calling themselves DVSL asking if i was the same person who had lived at an address about 8 miles from where i have just moved to. It was the same name as mine but I haven't lived at…
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citifinancial settlement figure - is this correct????
Hi there! I took out a loan with citifinancial some time ago, the details of which are; Date of advance : 2/11/2007 Amount : 8218.00 Term : 60 months interest Rate : 25.66% (interest calculated on a daily basis) I want to settle the loan and the settlement figure i've received is; Date : 14th November 2011 Balance of…
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Want to join me in cutting back on 'extras' shopping?
I'm not talking about food shopping. There's already a thread for that challenge. I'm talking online shopping. I realise that when I am bored, stressed, low etc I tend to grab my laptop and spend spend spend online :eek:! I can go ages without buying anything because life is so full and then at other times will splurge and…
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Clearing your credit scoring/rating
I am planning to sell my house to downsize and to pay off my debts and to clear my overdraft so that I can live more comfortably. I have been assured that I can get a smaller mortgage of £30,000 and I can afford the monthly repayments, no problems. The problem is that my credit scoring has stopped the building society from…
