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Help with building credit
I am not sure if this is the right place to post this but I am looking for some advice on how to improve my credit rating I have a dmp which has got just under 3 years to go and I am able to start putting a little more money away which I am saving to bring this date forward. I am finally getting my life and finances in…
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Capquest wrong info on credit file
Hi Ive posted on here before about my Capquest / Orange account. I have just noticed that Capquest have recorded a bank default on my file???? Its this correct when its a mobile phone account? can they do this??? Many thanks x
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The "Cripes, Christmas is almost here" December NSD thread
:) WELCOME TO THE DECEMBER NSD CHALLENGE:) Well, we're a wacky bunch here, with plenty of rowdy virtual outings planned for the festive season, all helping to keep the pennies in our purses & our sanity (at times) very close to the edge :rotfl::rotfl: On a slightly more serious note, we are here to help each other avoid…
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Credit Score Gone Up
Before you all say, I know credit scores mean nothing but......my Noddle one went up :j I'm 4/5 now :D Even though it means nothing in the grand scheme of credit, it must mean I'm doing something right, doesn't it? Either way, I'm happy :D
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Credit Card Out of Control
Dear All - I have finally faced the facts and done the SOA calculater that almost made me throw up. I knew things were too tight, but not this bad. I think I need to tighten the belt hard on the outgoings, but also need some ideas on reducing the unsecured debt costs and re-financing the MBNA credit card so the balance…
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OH's Company over paid him
Not such a good day, OH's company has over paid him by £600 so they say..we havent seen a payslip yet.. but he did lots of overtime. They rang asking him for either a cheque or they will take it out of Decembers pay... grrrr
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Best way of paying overdraft debt
Hi Since marrying 3 yrs ago and since having 2 kids, got 3k overdraft and 2k on one credit card. Whats the easiest way to get out of the overdraft??? is there a credit card thats cheaper to pay into the bank so we are finally in the black? and cheaper to pay off that debt?
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debt been sold to Lowell debt agency - advice please?
Hi, A few days ago I received a text from Lowell informing me I must contact them immediately. I know this is an old store card debt which I defaulted on last year (Experian shows defaul listed), and I figured this would happen sooner or later. Can someone offer advice about what I should do? I am probably now in a…
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Barclaycard at it again - doubling APR whilst on DMP
Well, the title says it all. I've been on a DMP with CCCS for just over 2 years with another 2 & half to go. When I originally got my Barclaycard I had a good credit score so they gave me an APR of 6.8%. Last year, a year after they agreed to the DMP, they suddenly doubled the APR to 12.9%. I complained to them and they…
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DMP - creditors starting to charge interest
I have a DMP and all my creditors have not charged interest. I think this is because it's over 14 years and they figure that they will try to get back what they can. However, the missus also did a DMP for less money and she was more aggressive than me with what she could afford, making it over 5 years. While this means…
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Defaults
Hi all, I'm cracking on with my DMP and now looking to the future even if there is a long way to go. I'm hoping that in a couple years, we may be in a position to take a dividend from my company with the view to making full and finals to all my creditors (around 30%). We also have plans on a barn which we own which is now…
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Debt help
I have been out of work for approx 1 year and have finally managed to get a job, I am in debt with 10 credit card companies with various amounts owing on each. I have missed a few payments on some of them and received default notices. I want to pay back the debt but the interest I am being charged is not making it easy to…
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Finally phoned CCCS
So after struggling for a while and talking to my bank today who just told me to phone CCCS I did just that! They were so helpful and non-judgemental. I went through all my income and expenditure and they recommended a DMP which I have applied for. Just hoping my creditors will agree to it! It's a relief to finally look at…
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False accusation - debt red letter
Just received an "account overdue" letter for over £1000 from a credit company - claiming that I was in debt of housing rent payments from about 3 years ago. I`m really stressed out about this, I do not owe them any money and the settlements were made in full, I did not owe them any rent on termination of the tenancy. I`ve…
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How should I do this?
I am there... the light at the end of the tunnel and within 5 months my debt will be good and gone. However now that it is so close I want to make sure I get there and get there as quickly as possible. I have £5000 to pay off broken down into the following (NOTE : Interest is not a factor here as whilst some are high and…
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Payplan : SOA help?!
Hi all, Got my pack through from Payplan today and it contains the SOA that we drew up on the phone on Sunday. My next appointment to speak to my case worker us next Monday. Anywhooo... They've added a 50 per month contingency which is fine and I knew about it but my expenditure has also increased by £123 from our…
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I know this can't be solved I just need support
In the last few years I have managed to amass over £10,000 in credit card debt! I am such a caring giving person that I just want everyone to be happy and most of this debt has been because I wanted to make someone smile. I have been a full time carer for my Aunt for around 3 years and my spiral in to this dark place…
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New Tactic from Equidebt
I have had Equidebt chasing me over a debt of £3,022.60 from Royal Bank of Scotland I sent them a letter a couple of months ago (Recorded delivery) saying that it was statute barred. They ignored this and sent me another one last month, telling me how they would accept a reduced amount if I ponied up. I sent them another…
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Help - attachment of earnings
We applied for Housing benefit and Council tax benefit in June 2010 as I had just received a backdated DLA award. We received the benefits in October 2010.A letter was received dated 13th January 2011 confirming that my wife would have an attachment of earnings on her wages. But the date of the court issuing the attachment…
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Missed Payments - Need some desperate help
Hi, I've been struggling to pay off a credit card and have a number of missed payments on it How long will these missed payments effect me? When would i be able to apply for a mortgage? I've also defaulted on a credit card in 2008, which I settled in 2010. When will this dissapear from my file, is it 2014 or 2016? Thanks…
