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What best to do for my credit file
Hi, I have a question.... I have £1000 spare to allocate to some of my debts.. but am unsure which might be the best way to use it. I have 4 small payday loans (totalling £1000) which are all on payment arrangements - therefore NO interest being paid, just the totals being reduced monthly by about £150. I also have an…
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Winter fuel budget
Does anyone budget for their winter fuel use? My next bill comes at the end of November, so the quarter after that will cover the main 3 months of winter. I have set myself a target of £60 (which is roughly 66p a day). All I use is one gas fire and an electric heater for when I’m on the computer. My gas fire costs approx…
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The times are getting very desperate for me :(
I'm having a horrible November, and I can't seem to get out of this financial quagmire. I've had to shell out for three sets of repairs; A water tank that kept leaking which cost £145, some fuses blew quite badly on my fusebox and that cost me £126 and a gas fire has had to be serviced and will be condemened after the…
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Which way to do things is right in this situation?
Over the last 3 years my boyfriend has been getting in debt. Compared to some it only a minor amount, but I'm worried things can quickly spiral out of control. He has a loan which costs £155 a month He still has just over a year left of paying this off A credit card with Barclay - £4,075 (min monthly payment £100ish) a…
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Useful spending tool (Natwest online banking)
I belong to Natwest online banking and I noticed that you can download your transactions to Excel, so I was curious about how much I actually spend in the supermarkets so downloaded from January 2011 to now and then sorted it into retalier order and focussed on my main one (Tesco). I was shocked when i added it up to be…
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What its worth too heavy
My penny box if very heavy its full of 2s and 1s with a few 50ps one pound coins plenty of fives and 20s too BUt its too big to count for now it weighs 6 stones :rotfl: anyone any idea how much is in it ? might have to take it to morrisons and use there coins to notes counter or buy this…
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A small victory in my debt free journey
Today I had a small victory in my debt free journey. Last week I made an offer to Direct Legal Collections and they have accepted. The debt is £2858.22 and they have accepted £850.03 I am shocked but also very pleased at the same time lets hope the others I have offered to are as easy to settle
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Credit card debt - advice please
Hi I owe about £15k on credit cards and am self-employed. I have written to the 6 banks that I owe the money to explaining I am having trouble making the minimum payments and asking if interest could be frozen for a period or if payments could be reduced. I am now starting to receive letters/forms from the bank and asking…
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Harrington Brooks not paying all my debts?
Hi All, I've been with Harrington Brooks for a number of years now to try and manage my debts. This seems to have been going ok, we haven't heard from our creditors for a long time, not being chased by debt collectors etc. However, I got an alert a couple of days ago from Experian saying that a credit check had been…
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Philips Bailiffs - Final warning letter
I have received a letter redirected from my old address (I redirected all of my mail using Royal Mail), informing me that I am now on my final warning and that a warrant could be issued for my arrest. The problem is, I've tried to call Philips and they're fully automated. As an undischarged BR earning a low salary, there's…
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Defaults Help/what to do next please?
Hello, Ive today checked my credit report and i have 3 defaults (very bleak) gutted but my own fault.. the last one has been registered last year so i guess that will stay on my file for another 5 years now. They still have outstanding balances.. and cccs has advised me to make a token payment each month.. Whats the best…
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Council tax confusion - help please
Hi all, I hope this is on the correct board.... In Feb this year my husband left. I contact the Council tax & applied for CT benefit. I took in all the proof they needed, a letter from ex saying what date he left, 3 payslips and a new award notice from tax credits. I received a new CT bill a couple of weeks later saying…
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working out tax, can anyone help
Just an update on a previous thread and knowing how useless i am with figures, i did a lot of overtime last month and wondered if anyone can help me work out exactly how much my wage will be end of november heres the figures before tax i get (normally, without overtime) £982.92 then after tax this is £865.41 i have done…
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Saturday/Sunday 12th/13th November - What small DFW things will you be doing 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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Virgin Media Default - advice needed
Hi, I posted a while ago that upon receiving my Equifax credit file there is a default from Virgin Media dated 2008. I queried this and was informed I owed £77. Following advice I sent off the SAR (?) letter and a £10 postal order. Today I received a letter saying: We have investigated your credit file and contact Equifax…
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Fredrickson International & unknown CPW debt
Hi there, I'm a first time poster so I hope I have got the right place. Any help greatly appreciated. I received a letter to my current address about two weeks ago from Fredrickson International (FI) asking myself to contact an 08 number, regarding an 'urgent matter' as I have never heard of FI before and I had no idea…
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unenforcability query
Hopefully just a quicky. I have a default on my credit report from my ex opening an account in my name without my knowledge. I have reported this to the DCA and police and given as much information as possible to them. The DCA was not that interested in resolving the matter and placed a default on my account at the…
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Hounded for a debt that isn't mine...
A while ago I posted about letters from a debt collection agency that were coming to my house for my sister in law WHO HAS NEVER LIVED WITH US. The general opinion was that I should just return them not at this address. Since then the letters have continued and I have done this. Today, however, I received yet another…
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Littlewoods Advert?
I know that I must ask for this to be moved, but I wanted to ask people with debt what they think of the new xmas advert from littewoods. I think it's really bad that you have children singing about what their mother will buy them for xmas, you then have littlewoods saying pay for it all year round. Not only are they…
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Help please: Countrywide Repossessions
Hi All It's been awhile since my last post (starting to sound a little like a cyber debt free confession!!) and since I logged in, even, so please forgive me for coming and asking for help now..... I have come home this evening to a message on the answer machine as follows "Hi, It's Carole from Countrywide Repossessions.…
