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My SOA
Hi. A couple of you have asked me to post this following my post on the DMP support thread. I've done it based on the figues we have already put in on the CCCS budget calculator and I have made a few comments next to things that I think need further explanation. I think we will be going ahead with the DMP in the next few…
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F&F payments if leaving the country
hi all, i have enough cash following a house sale to offer my creditors approx 30% of total owed. i owe a total of 80k to 6 creditors in total, all defaulted well over a year ago and all but one account now with credit agency. I was on DMP but quit this about 4 months ago, after 1 year, as I simply could not keep up. In a…
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Credit report footprints
Hi, I was just having a look at my credit file with credit expert,and there is a lot of footprints which is not good. So is there anyway to remove them. I noticed there is a lot from EXPERIAN CONSUMER SERVICES or there LOWER MY BILLS service. Thank you.
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I'm now debt free!!
Thursday was an emotional day for me! after 5 years of mis-managing my finances and clocking up £8500 in credit cards, over drafts and loans my savings account was finally higher than my personnal loan so I waved goodbye to £5,544.72 I'm very proud of myself as it was last christmas I realised the danger of my situation…
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Paying off a debt that nobody seems to notice?
Hi all. about 3 years ago i was on income support and took out a social fund loan (i think it was called a budgeting loan?). But before i had finished paying it off, i came off benefits. I have never heard anything about paying the loan off since, although i think i may owe approx £800 on it. What would you do about paying…
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VODAFONE broke my working phone
I have two Sony Ericsson (SE) X10 Xperia mobile phones on a 24 month contract with Vodafone. Both were bought when they first came to the market and we are 17 months into the contract. My wife uses one for personal and I use mine for Business. They both have problems with the USB charging ports. Mine will charge but I have…
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Full and Final offers - Your experience/advice
Hi all I am trying to reduce my debts by offering full and final settlement offers. Have you had experience of doing this? what would you advise? Were there any negative experiences? Many thanks AC x
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CCJ F&F's
Can you make a F&F offer on a debt that you have been issued with a CCJ for. They have also entered the debt with the land registry.
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Credit Score
Hi Can any one tell me why my credit score with experian is 889 Good, and equifax is 280 Poor ? Only reason i looked at equifax is that i applied for a John Lewis Credit card and it was turned down, and on doing some research found that they only use equifax to calculate risk on lending. Its a bit anoying that the…
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SOA - any help would be appreciated
Hi All, I've done a SOA using the tool- its not quite right as i've shown below as its taken the full amount of my partners income into account but I've not included his spending in outgoings- he gives me 700 per month towards bills etc. I know i could save a lot without my pets but I love them...I only feel the sainsburys…
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SOA - Please look!
Hey guys I appreciate any help I can get. Myself and my partner both have debts and we are both rubbish at dealing with money and controlling our spending. We have debts, our house is a mess needing new carpets and complete redecorating, we haven't been on a holiday in years and we haven't bought ourselfs new clothes in…
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How much will an overdraft of £2000 cost me at 15.9% EAR.....for 2 months....
Thanks peeps....
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contacting creditors
I have started a dmp with cccs they contacted me just to go over things to make sure i can afford repayments/income. 1st payment is on 1st january i also sent letters and token payments to my creditors (with the letter provided by cccs). today i got a letter from tsb thanking my for a token payment, and also thanking me of…
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Unsigned Credit Agreement Advice Please
I opened an MBNA credit card in 2009. I just got a "copy of executed agreement" from MBNA. It looks like I have not signed the agreement and neither has the lender; however a box has been ticked to say its been signed electronically. Is it legal please can anyone advise?? Thank you.
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Any advice on Pros & Cons of O/Draft v Loans Please
I am trying help a Neighbour Friend. I am lucky that I have savings and dont want CCards, only use Debit card plus another Debit C Accnt. that gets fed when I buy online or TV and there is a Lock on that so if details got hacked it would Reject. So I am not Streetwise on the Pros & Cons between loan and overdraft. I…
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can council take a debt back?
hi. am in a bit of a mess. had bailift round and he did a walk possession of my items. the billl is getting higher as he keeps coming when im out and he charges £200 for each missed visit. its now £800.the original bill is from the council for £100. just wondering if the council would take the debt back and i pay it…
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Weekly Spend Challenge W/C 27th Nov 2011
Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Being tortured by a collection agency for £8
I got behind on my eBay fees and it got passed to a collection agency, I paid eBay the full amount of £47, the next day this collection agency got involved saying I owe then £8 because it got passed to them, Well it never got passed to them in my time, it was only after I had paid that they got involved, I appreciate its…
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I'm here, I'm saving and I want to be finally debt free!
Hello! I've been lurking for a couple of years and have chipped away at our debt, but need some motivation to pay it off finally! The bad news : Our oustanding debt is £6030 on a Halifax 0% card and everything else is paid off, so no car loans, overdrafts or store cards. Not sure when the deal ends, so need to find out and…
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Newbie 6k debts, where to start?!
Hello everyone After ages and ages of reading through the forum I have finally decided to join and make a concerted effort to do something about my debts! I am a 26 yr old woman, a teacher, and as my username suggests I have sleep-walked into more than £6,000 worth of debt, just from being a student, letting things slide,…
