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o2 4 Late Payments Mistake
Hi all, I had an o2 contract between 2008 - 2009. During 2008 I had 4 late payments which shop up on my credit report. I believe these where a mistake but I can't remember the full situation. It was either a huge bill I had that they'd agreed to let me pay over 4 months (so wasn't late) or it was some kind of DD error but…
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DMP - Barclaycard wrong again for hiking the APR
Just thought I'd post this for anybody who has had their credit card APR increased whilst on a DMP. I've been on a DMP for 2 and half years, at the start of which my APR with Barclaycard was 6.8% (from back when I had a good credit score!). A year into the DMP they hiked it up to 12.9% with no letter in advance to advise…
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Pay off mortgage or save - help
Hi Guys, In your expert opinion is it better to save your cash in an ISA, put it in a pension or just pay off your mortgage quicker? I am edging towards paying off the mortgage a little bit quicker rather than saving. What do you think? Thanks for your help :j
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Splitting the council tax bill
Hi, I hope I have the right forum. I'm after some advice about splitting the cost of my council tax bill & hope somebody can help. I rent a property privately with one other person & both our names are on the council tax bill (joint tenants - monthly installments). I'd now like to pay my half of the council tax bill…
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pension or debt clearance?
My oh set up a pension about 6 months ago. He has approx 100 pound come straight out his salary. Would it make more sense to put that money to our debt and restart the pension once we've cleared the.debt?
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Soa
Hi see below for my new SOA - any savings to be made ?? Recently had a couple of loans paid off so in a much better position than before, (about 300pounds) Want to try and save 400pounds per month for rainy day/holiday/house improvements etc The credit card debt is 0% just moved over to RBS for 12mths, treating it like a…
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Helpful replies please!
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 0.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Full & Final Acceptance On Email
Hi Guys I'm new to the forums although i have been reading them for a long long time. I wrote to Moorcroft Debt Rec last week with a full & final. I got a call today to say they would accept but only if I could make payment today. I said no because I wanted in writing the fact that it was a full and final settlement ETC…
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F&F Settlement Advice
Hi All, I have been in a DMP with Payplan for several years now. I have total bad debts managed by them of around £25k, paying them back at £190 per month, so taking forever. I have just taken Voluntary Redundancy and want to pursue the F&F route. Should I use the letter templates myself or leave it to them? I want to…
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Rent arrears and potential eviction
REPOSTED IN HOUSING FORUM Not sure if this is the best place to post this, but looking for some advice. My partner rents a flat from the local authority and has fallen into rent arrears. For the last few months he has been continuing to pay his normal amount of rent as well as 50-100 pound per month towards the arrears.…
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Confussed
Hello to one and all. First time user here so please bear with me. Having spent several months on this site and others trawling for help and advice I find myself so overwhelmed by it all I am sinking into the depths of depression. I have credit card debts amounting approx £16.000. I am on benefits including DLA (full…
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Default to Blue Arrow
I just printed off my credit report from Equifax so I can apply for a re-mortgage. I know I have 1 default to Egg in March 2007 this now appears as Blue Arrow Global I assume? What have they got to do with it? I know it doesnt make any difference but a card I previously had with Egg still shows as Egg and satisfied
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Question about 'linked addresses' on credit report
Hi all, I am in the process of cleaning up my credit report (have been using Experian). On my report I have 42 entries for linked addresses. These relate to past applciations I've made. I am worried because although credit applications / searches drop off the report after 12 months, linked addresses do not. Will this…
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drydens
Hi Guys Had a letter today from a firm called drydens lawyers, they said they are acting for cpaquest investments ltd . They said they wish to work with me to collect an outstanding debt the debt is for £5.076 and is from credit card which was assigned to capquest the original debt was £2,500 . I have checked my credit…
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How many cards?
How many credit cards should you have open without it looking bad on your credit report? This is including ones that you no longer use, but just haven't closed.
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credit score ,experian - and how many points
ive been watching it like a hawk, Yesterday Shop Direct said i missed a payment on my account and my score went down 38 points..then today Barclaycard updated my account, (which was all in order) and its gone up 38 points.. So, my question is; is 38 points awarded for each time a credit account is pain on time? I login…
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Boiler failing - what to do?
My boiler is now 15 years old and barely got through its last service. It's due its annual inspection this month and I'm really worried that it wont pass this time. To get a legaly compliant replacement is likely to be around 3000. Yes you can get them for less if you ignore the legal side of things and dont obey building…
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Chipping away at the Overdraft
Morning all.... I am a newbie on here and been lurking for couple of years and as said in previous post's gained so much information and turned my finances around :j My next challenge is to chip away at the overdraft, go in it every month and I am slowly chipping away at it, well by doing a monthly check on same day and it…
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Wednesday 8th February - What small DFW things will you do 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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dmp and commision based employment.
Hi. wonder if anyone can advise. this evening i have set the ball rolling with a dmp via the cccs. my confusion surrounds the fact that iam currently in a commision based job. my monthly wage can fluctuate from 1100 to 1600 a month and im wondering how this will impact the dmp. Will i need let the cccs know every month…
