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Payday loan + payday loan + payday loan = help!!!!!! :(
Hi guys, Im new here, really need some advice and this is the first place i thought i would try. Well....my situation is probably one of those big issues piling up right now with payday loans, stupidly i got myself into the loop! I took out a payday loan a couple of months ago with Wonga for about £500 was unable to pay it…
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2 CCJs I was not aware of
I have just looked at my credit file for the first time and there are two CCJs I was not aware of. I guess the papers must have been sent to my old address. I am a bit worried about this because I was getting so close to having paid everything and now I find out about this. It would be just my luck to get a warrant of…
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Hate Debt - Little Laugh does Wanders- funny video
Well I watched a video, and its really funny, its so true on so many levels about debt, and I watch it on a daily basis, one is beacuse its so funny, and two, its so bloody true, and it does help me. the video is at http://moneysavingnews.co.uk/how-funny-can-debt-be/ the problem is you do hit that number? the number is "oh…
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Trying To Pay Off Credit Cards Help Please
Hello I am looking for some advice please. I currently have far too much debt and I am slowly but surely managing to pay it off. I have the following and am looking for some help as what to pay off first, what makes the most sense. Virgin C Card £520 28.9% Virgin C Card £2433 26.9% Virgin C Card £760 24.9% Barclaycard…
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Understand the link between debt repayments and interest
This was drawn to my attention through work today, and I have been playing around with it myself. It works for all debt - credit cards, loans, mortgages etc. It is interactive, and you can play around with interest rates, repayment dates etc. It shows you how much interest you will pay in a given situation. It looks to be…
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nearly 13 months ago now
Well this time next week it will be 13 months since my debt free day, so why do I feel so worried about money all the time. I have become a complete obssesive about money and money saving ! Why was I not like this when I was in so much Debt (£47,000) when I had my LB moment ! I save hard every month and I hardly spend…
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credit card debt
hi folks,really struggling paying my credit card debt at the moment.....phoned national debtline and they recommended going down the das i.e dmp route,i was just wondering if anyone has tried phoning a credit card company (mainly halifaxone or mbna) and got anywhere asking them to reduce your interest rate or payment.…
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Newbie needing advice.
Hi folks, I'm wondering if someone could give me some advice with regards to debt. I stupidly ran up a debt with catalogue company Empire (now K & Co). They passed the debt onto a company called NDR, and I arranged a repayment plan with NDR for monthly payments of £77. This began around the middle of 2011, and I pretty…
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need advice on car
need some advice on my car after being diagnosed with cancer had to go on to a payment plan with the car repayments which helped us out while i went through treatment chemo etc because i havent been able to work have been doing these payments for the last 2 years while in the short term have helped me out in the long term…
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Debts :(
Hi First time poster, long term reader. Short version of my story - was collared by Barclaycard at Freshers Fair at uni in 2001, got my first 500 quid credit card..... 10 years later that had spiralled into 25,000 of cards and loans and a horrendous car finance deal. Became a dad in 2010 :) Want to pay off my debts - here…
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cash4tax
Hello all, In August last year I had a tax rebate of £525 I had been expecting this rebate for a while as I was put on emergency tax in 2010. I googled tax rebate and flicked through a few sites however seeing how much commission they charged did go through with any of the companies as phoning the tax office myself was…
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Pigged off, fed up and in tears
Now I know you all must be totally fed up with my questions but I'm hoping lots of you will assist me. I know, I know I shouldn't be attempting to get more credit but I made an application to Virgin for a super balance transfer to my current account and was declined with a reason of 'sufficient limits' what the flaming…
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Problem with Cabot debt collectors
Apologies if this isn't the right section of the forum to post this query ... During the late 1990s I was made redundant, and as a result I fell into arrears with credit card repayments. The debt was sold to a firm of debt collectors called "Cabot", and I made regular payments to them at £15/month. Eventually Cabot sold…
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Problem with Southern Water
Hi, I don't know if anyone can help? Southern Water are chasing me for a debt via UK Search - the problem is I know I don't owe the money but I can't get a straight answer out of either company about when the bill is for. UK Search say April 2007 to March 2008 (when I didn't live in the property) and Southern Water say…
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advise on defaults !
OK here goes....... I have a few defaults on my credit file (credit card, loans etc). I currently have an informal payment arrangement with my creditors and paying a small amount each week. I have arranged with all my creditors to have interest and any further charges stopped. However, the most of the debts have been…
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Q: re F&F offers on loans.
I hope this is in the right place.. We have a loan with Northern Rock, owing about £11500 ish. We have £7500 saved up towards paying this loan off. Do you think there is any chance of them accepting an F&F offer for the amount we have saved? Is this even do-able or does there have to be special circumstances? I've read…
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Need some help/motivation for this year
Hi guys, I've always been a bit of a lurker on this forum, reading other peoples' debt stories but it's time to bite the bullet and write my own... 2012 is my year to get debt free and I NEED to do it to get my life back on track. I have £9723 on credit cards; CC1 - £770 CC2 - £2759 CC3 - £1807 CC4 - £4387 My target debt…
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DMP and private renting
Hi :) I'm currently at the start of a DMP and private renting. It doesn't look like there will be any need to move any time yet (although you never know). I was wondering what effect being on a DMP could have on a tenancy credit check? I have googled and come across varying opinions- some say only CCJ's show up in a tenant…
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what to do
Hi guys, over the past year I have been in and and out of debt due to gambling. Borrowing £1000 off wonga, and going into my £500 overdraft. My mum has paid off my overdraft twice, and wonga twice. It now needs to be paid off for the 3rd time but I haven't told her yet. I obviously have a gambling problem. But really want…
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Default clearing?
Hi there,I have a satisfied default that will be clearing my credit files this month..experion inform me it should clear of my file within 72 hours of the date but trying to find out off equifax with there Indian call centre is another matter as they just read off a script and say 6 years(I know that). Anyone know if it's…
