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how do they know your previous addresses?
Hi all, How do credit reference agencies know your previous addresses, if you don't tell them. Example - a person moves house and goes on to the electoral roll at the new address. Creditors are NOT updated with new address. The person then asks for a copy of their credit report from e.g Experian but tells Experian they…
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Debt Free Baby!
Well that's it, I've just made my last payment to my Virgin credit card. I can't quite believe I've done it and I've got spare cash left over. :j It's been a hard year, I've not been able to do the things I wanted to, but it has been worth it. I never realised how my debt was affecting my moods but it hit me last christmas…
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Monday 28th November What Small DFW Things Have You Done 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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Arrangement with Aqua credit card
Hello, brand new and need advice please, a few years ago I took out an Aqua credit card its something to do with Halifax and SAV credit. I was using the account well, then circumstances changed, my wife left this was mainly due to my illness.I have serious mental health problems and I just lose control. I contacted Aqua,…
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Budget advice please
Hi MSE'rs I have been reading topics on here for years on and off and cant remember my old details so have started again. I have read lots of people getting lovely advice so wondered if anyone could help me please? (sorry baby crying will edit tomo!)
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I think I've done something stupid re Direct Legal and Collections
I need a bit of advice. Basically, these bunch of parasites contacted me in July re a debt from when I was 18 (now 24) for a car I bought on HP in which my late father was the guarantor. It's not disputed, I did owe the money but the amount is ridiculous! The debt is for circa £2.5k and the purchase price of the car was…
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Need advice on Debts
I really need advice on my finances and unsure what to do, I’m currently claiming JSA and the prospects of me finding a job at the moment quite slim, my debts comes to £2065 and I can’t see a way out, is there any advice anyone could give me?
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Ebay Selling Question
Just out of hospital so have only just discovered the free listing weekend. I've been meaning to put some stuff up for ages but never quite got around to it. Determined to do it NOW. I intend to just throw up some basic information for a 7 day listing, then add photos/more information tomorrow. This means (in theory) that…
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Spreadsheet template
i'm looking at paying off a good chunk of my debts next year. does anybody have a good spreadsheet template? i'm looking for a weekly spend spreadsheet & another to record each debt - interest, payments, decreasing balance. i don't have access to microsoft office :( . any help much appreciated t, x
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Self managed DMP's
Hi I'm starting on a self managed DMP with the backing of payplan. Self managed as I now have less than £5k to pay back - in fact its just under £2k. I've done a SOA and worked out pro-rata payments and sent all my letters. One creditor has now asked for copies of my pay slips and bank statements - do I have to supply this…
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cant get up the courage
to remove the overdraft. I have a £1000 overdraft but i am in credit. I did slip back in to it this month as had to pay £300 for my car repairs. but my payday is this week so that will pay it off again. Its one of those Halifax ones where you pay £1 a day for anything over £300. I know i should reduce it to £300 from the…
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Time running out
I´m in a bit of a mess. Note first that I am not in the UK, I think it will help to explain that ... Without going into too much details, I have had a bad year financially and personally. I´m self-employed, the personal problems and economy have affected my work. So I have got into a relatively small amount of debt. With a…
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New here and advice please
First I apologise if I should have tagged on another thread rather than starting a new post. Am new here and not sure of all the ground rules so to speak. Second I apologise if any funny words appear - my laptop blew up months ago so I now rely on my mobile. Finally bit the bullet (and hit DH around the head a few time)…
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Capquest Default ADVICE
Hi all , I have spent two years working my !!! off to pay debt and sort bad credit rating and I have now noticed I have a default from Capquest from old Orange phone bill (2007) that was £125 . Its my fault as they have been sending me letters for a month but becasue it was shown as 'settled ' on my credit report I didnt…
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Single mums SOA
Sorry here it The benefits is a mixture of child benefit and tax credit, with both i am not sure how long I will be getting them. Also at the moment i work 11/12hrs days but if ex has children overnight then i can do more overtime. I know the swimming lessons are expensive but its something they enjoy and I see it as a…
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Experto Credite- matched payment .
I have previously taken them up on their matched payment and my brother paid £100 for me and they matched it with £100. I noticed that when I got a statement, only £100 had benn deducted. I rang them and they said it did not reach them until the 1st of the following month instead, of the 31st as stated in their letter. I…
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Credit report queries
I have recently got a credit report from Experian and spotted a few items on the 'financial associations' section that I wanted to query (for example why does the search citibank made for an application appear no less that EIGHT times!!). On the explanation 'leaflet' from Experian it says you have to contact the banks…
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Single mums budget
I would really appreciate if someone could look at this budget for me. To cut a long story short, my husband and I have seperated ( due to infidelty, his part not mine) He has agreed to transfer the mortgage to me and pay half the childcare cost, i have not asked him for maintance but we have a informal agreement that he…
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Our SOA Please Look
Hi, here is our SOA: Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1250 Partners monthly income after…
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Confused about Credit File
i have just checked my credit file with experian and equifax and all looked fine until i noticed something really strange and wondered if anyone can shed some light on this i took a loan out with Lloyds back in 1996 which defaulted and due to illness, unemployment etc over the years never actually been paid off i have been…
