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Using Mortage to pay off debts
I currently have 12000 worth of debts on two credit cards and a loan And if I'm honest, for the first time I'm starting to struggle paying all my outgoings. I am looking for the best way to get all the debt into one easy payment. I own a house worth 80000 and the Mortage on it is 54000. Do you think it is possible to…
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newbie wants to ditch debt :)
Hi everyone, newbie on here. :) I have finally decided that I can no longer live with my debts as they are taking up too much of my life, and I am going to get rid of them as quickly a humanly possible. Reading some of the posts on heere has made me feel really positive about dealing with this. I currently owe about…
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What could Nationwide want with me ...?
Hey all, This could be a stupid question, but I got a letter from Nationwide today (I have my current account and credit card with them) and they have said ... ________________________________________________ Dear NicChanna, I have today attempted to contact you regarding your credit card but have been unsuccessful. Please…
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Need to manage my money
I work part-time, in a self-employed capacity. Last year I worked two jobs and was earning quite good money, until I got sick with clinical depression and missed two terms of work (I was a freelance French teacher in a primary school as well as a private tutor and a freelance writer). My income plummeted and I took out a…
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Very bad credit rating!
Hi, I know everybody says that credit scores don't mean much, but after having signed up for Credit Expert they show me as having a rating of 418! But I have just been accepted for an Aqua card, so I'm not sure how this all adds up? How can I improve my rating? I don't have enough to pay off the credit card balances in…
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advice about bailifs
i had bailifs round as i owed a fine for driving in pedestrian zone..the took down list of things in my flat, i offered to make payments of 25 pounds per fortnight as i am on jobseekers allowance. i stuggled and couldnt afford to keep payments as i have so many others coming out, then i got home to find letter from bailifs…
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Bailiff letter at OH's Mum's home
My OH found a letter at his Mum's, saying they were bailiffs and had tried to gain access that day when he popped round last night. She wasn't there & he's only just told me as he didn't want to worry me?! He just called and said he spoke to her- she says it's from last year when she got caught driving without insurance?!…
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Lowell Financial & Scotcall
Hi All I have sent a CCA request to Lowell Financial over a year ago, but to date they have not complied with my request. Today I received a call from ScotCall regarding this account, which Lowell has sold the debt to them apparently. Are they allowed to do this while its in dispute? I thought they had to notify me they…
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Current Debt Level Advice
Hi, Please bare with me as i'm a newbie to this site. I'm not sure if this is the correct place to post but here goes. My current situation is as follows and I wondered if anyone had any advice as to get my debt level down or whether i'm already on the right track. I have a personal loan (£20k over 7 years with halifax)…
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Massive debt left from a repossed house
Hi, Wonder if you could help? Me and my husband split up and neither one of us could afford to pay the mortgage on our own so we handed the keys back and had a voluntary respossesion. Never of us have really kept in contact with the mortgage company since, a couple of weeks ago we both received letters at our new addresses…
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Urgent please help. Debt collectors
Please help. I don't know what.to do :( Right we (very stupidly I know!) relied on a credit card for about 8 weeks or so whilst husband was out of work and the benefits hadn't started coming in. Then he got a monthly paid job but no pay for 4 weeks so that was another 4 weeks of no income... Used a capital one credit card…
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credit cards
whats the best way to haggle with your credit card companies to settle your account in full and get a discount on your balance (i currently have minimum payment agreements in place with my creditors) do you accept the first offer they give you or can you use any tactical leverage that i might not know about any help or…
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Very - where to start
Ok, bit of background. Me and my husband both have accounts with Very. Our monthly payments are about £44 each, but they are due to increase quite rapidly as we have quite a lot of stuff on Buy Now Pay Later, and the Pay Later range from January to June. My hours have been cut at work, and as a result we are about £200 a…
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CCCS closed DMP, can I move to payplan?
I don't post very often and would appreciate some kind advice! I realise I have been silly but, In short my partner and I have been on a DMP plan with CCCS since Nov 09. We have missed a couple of payments due to various reasons, but always notified them. Stupidly, (and desperately) last month I took out a loan with…
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Just going on DMP plan with Payplan
Hi all new to this forum, ive just entered into a DMP plan with Payplan, just wondering if anyone has had an expereince with this DMP plan and if everthing has gone smoothly. They are dealing with 10 of my creditors which range from credit cards, payday loans, loan with bank and overdraft. Should I contact all the…
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Paid off
Hi Guys, Had to share this news. I have managed to pay off 2 debts this month, if you see my signature you will see they weren't that big, but feels great.
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Settlement Figures?
Hello, I have 4 debts, all totally under or around £1000 and since I got a pay rise at work, after Christmas I was going to write to my debtors and start asking for settlement figures (one a month/ maybe one every two months). What sort of discount can I expect, or will it vary massively between creditors? I have one at…
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Drowning In debt!
Hi, Sorry if this is in the wrong place but basically looking for any advice on how we can reduce our debts. Have posted in ask a debt advisor bit too! Sorry if this is long and complicated but looking for some advice on how to best consolidate mine and my partner’s debts. Combined we owe just under £15000 on credit cards…
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Newbie Advice wanted
Hello All, I come to you guys head in hands really, I would never claim to be good with money but I have just turned 30 and would like to try and sort myself out. I have any previous occasions attempted to go down routes to clear my debt but for one reason or another it just hasn't happened. I have in the last month been…
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Help with clearing debts!
Hello, I wondered if someone could give me some advice please? I took out a Natwest Professional Trainee Loan in 2005 for my uni course, its basically a fixed rate loan at 7.9% for the rest of the period, 4yrs left. I have £10100 left to pay, current repayment is £285 a month. I also have approx £5500 credit card debt…
