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Robinsons Way / lloyds loan
Hi After some advice re: above. My partner has a loan from 2007 he is.now paying off. It is now for approx £17000. He is paying it off slowly but I have been told his bad credit could affect me keeping my job. I am now worrying! (long story but work do searches on you and partner/ people living at same address every 2…
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Hypothetically speaking...
If a person were to come in to a sum of money, say £15k, and they had debts to the tune of £5.3k credit cards and £4.2k overdrafts, and had a wedding booked, what would you advise them to do with the money? This hypothetical person would no longer have an income themselves, but their partner would, although the one wage…
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Complaint letter to reliable collections before ombudsman
Hello, I just wanted to get some quick advice.. cccs have advised to make a formal complaint to reliable collection with regards to over a £1000.00 worth of charges in the last 12 months.. cccs said they have 8 weeks to reply and then i am best to report them to the ombudsman.. i have been making regular token payments. My…
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Delinquent Balance - Default Remove?
Hi All, I am trying to get my life back in order, myself and partner have recently had a baby and are now thinking about buying a house. I bought a copy of my credit file from Equifax, and, whilst over the last few years or so everything has been pretty much ok, I received a default from Natwest in 2008. At the time they…
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Warning re regular visa payments
I have recently set up 6 monthly visa payments from my debit card which is an 'easy pay' option for a holiday rather than paying a large deposit and the balance nearer the time. This was my way of ensuring that I 'save' for the holiday rather than just hoping that I'd put the money aside. I noticed the other day that my…
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Help to choose a bank for current account, that is not connected to any of my debt
Dear Forum; I am currently defaulting on debts to the following banks. HSBC / First Direct MBNA Barclay card Opus Halifax Natwest / Mint Amex I opened a new current account 6 months ago, with LLyods, which I believed would be safe from any of my debt, but have discovered that Halifax and possibly Opus are connected. So, I…
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Moving Forward
Hi I hope some of you can give me a bit of advice about the best way to tackle my finances! I am 24 and working full time. I take home around £1200 p/m and I'm slowly paying down my credit cards etc. Had a bit of a nightmare around 6-12 months ago which involved missed payments etc but for the last 6 months I've been spot…
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The end is now in sight!!!!! Well distantly!
Hi All, It's been several months since I last posted on here, but something happened a few days ago and I'm so happy!! For 2 years I've been struggling with a £15000 debt following my wedding and various other purchases, I always made minimum payments but I had nothing much left at the end of each month. With the advice on…
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bristow and suiter baliffs
i have a question does anyone know if there is a set amount a baliff charges if they come out? my sister has had a baliff at her door just ( she moved in with her boyfriend yesterday) for unpaid council tax, its not in her name but they want the outstanding council tax bill which is just over 400 and then he said it 350…
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Full & Final Settlements
Hi all Just wondering about the above really. Are they really full.and final? Do theycome off your credit report 6 years after the default? Asking for.my partner really. Thanks
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Council Tax Arrears Charge
I live in Glasgow, and I messed up with paying the council tax this year (got my dates mixed up :( ), and it has been passed to the Sherrif Court and then to Scott and Co. I didnt know any of this until the letter arrived from Scott and Co yesterday saying so. I'm not trying to get out of paying it, just wanted to question…
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CCJ I didnt know about?
Hi, I have signed up to a credit file company to view my credit file I've noticed on my file that I had a store card with some money owing on it a few years ago. I moved address and never knew i had any owing. Its showing that I deafulted on it and I have a CCJ and the court date was in February this year. The date…
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A little advice on bank accounts needed is poss
OK so I'm with Santander at the moment (no comment!!!) but my question is..... Now I'm on the DF journey would it be advisable to try and open an account with another bank so each month I can transfer from Santander and use the new account to pay my debts, then whatever is left over in Santander is 'my' budget for the…
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Savings Account Help
Hi everyone Some of you may (or may not) know that I have CCCS and am in the process of trying to arrange a DMP. I have opened a basic bank account with Co op and am monitoring each and every penny that comes out of my account. I am putting aside money for my basic needs, eg ground rent, MOT, etc and would like to open a…
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Checked my Credit Report for the first time! Some advice please.
I'm 28 and in my quest to sort my finances out I recently checked my Credit Report through Equifax for the first time...an interesting read to say the least! Whilst my Credit Report shows I have a good rating, there are a couple of things I was completely unaware of which I'd like to iron out: 1) Out of all the credit I've…
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Which bank account would be best when trying to get debt free? Newbie needing help!
Hello Everyone, newbie here... :wave: Sorry if I have posted this in the wrong section... I had my Lightbulb moment a few days ago, which was scary, but strangely a relief too. Anyway, I'm currently in the process of setting up a DMP with CCCS. Would anyone like to recommend to me who I should set a new bank account up…
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Payday Express - FUMING!!!
OMG - ok so I emailed PD Express on 25th November and asked them to defer my loan payment so they would only take £100 instead of £500.... so they took the whole £500 today :mad::mad::mad: I called them and suprise suprise they never received that email but they did receive the one about me requesting a payment plan (which…
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First day of the rest of our lives.....
Achievements for today: 1. Authorisation forms posted to Payplan; 2. Phoned up and terminated a £250 payday loan under the 14 day rule and got charged no interest; 3. Paid our £250 overdraft off in full; 4. Prepared our cash-flow for December and January; 5. Purchased 9 £10 postal orders to send as a token payment to our…
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Recent SOA'S and Debt Help
Have been looking at recent SOA's and some of the working's out leave me under no illusion as to why some high earners are in dept, if they can not get the SOA's right what chance have they with there personal finances, Also it saddens me to say but on here we can shave off a few quid for most people to help with there…
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Wednesday 30th November 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…