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Anyone got credit on DFS sofa?
Hi everyone i'm new here. Has anyone got a new sofa from DFS on the 4 years no interest offer. My husband wants a new sofa, but i'm worried we will go and pick one then be refused the credit! How embarassing if this happens in store.... his credit history isn't perfect!!! Any Advice??
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Which to pay first?
Hi all After reading all the posts and excellent advice I have decided to tackle my debt which is spread around and I don't seem to be getting anywhere. I have reviewed my finances and have worked out that I can pay £250 per month towards my debts on top of my regular payments but need advice on the best and quickest way.…
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Need some advice about the best way to tackle this!
I've been doing my own dmp since last summer. I'm just barely getting by every month, but I'm getting there. Although one of my creditors has been plain out refusing from day one. Despite me sending them numerous letters, all recorded delivery. Copies of my bank statements and payslips. They have refused reduced payments…
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Rebuilding Credit Rating -Overdraft
Hi all I've got a £200 arranged OD on my current account. I use it every month and pay it off in full every month too. It's on my credit file as a list of zero late payments, which looks nice. What I want to know though, is this actually helping my credit rating?I know that some things count (credit cards -have a Cap One…
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Credit Reports
How often is it advisable to check them? Ta muchly
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Full and Final Settlement Advice
I hesitate to post yet another thread about this, but I'm a little confused and after reading a number of threads I'm not really much further forward. My partner is currently paying off a number of debts via CCCS and has been doing so for over 10 years. He currently has 3.5k of debt remaining. We have about 1k in savings…
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Payday loan hell - please help!
Hi everyone, apologies if I havent posted correctly or in the right section but im not a regular user of forums! I need some advice regarding my debt situation as I have finally reached the point where servicing the debts I have has become too much and am no longer able to continue. The main problem is the amount of payday…
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Getting a mortgage with defaults/bad credit?
Hi all this is my situation. I have recently applied for a mortgage which has been declined. The reason being I have 2 defaults from 2 years ago on my credit file both from British Gas for small amounts £117 £159. The defaults were from a shared house I lived in for 1 year and although are in my name were left for another…
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Bryan Carter bank details for standing order.
Hi could someone please confirm the below details are correct for paying a standing order to Bryan Carter. Acc no :96615893 Sort :602334 Thanks in advance :)
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Advice Required
Well after a year of misery where I worked 150 miles away from my children and looking for new positions the decision has been taken out of my hands. I am on immediate gardening leave from my job which ends 30th March. I was well paid but still had debt and was bored and unmotivated, still having a few sleepless nights…
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chased for Dubai debt from 2003
Hi i have seen posts about debts from Dubai but not one that is the same as mine. I worked in Dubai in 2002/3 and i had a credit card. I have received a letter from CCI Legal saying i owe RAK Bank £4385.37 . They asked for an immediate payment or for me to contact them with a payment plan. firstly, i was not aware i had…
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Credit File
I'm currently paying back some loans/cards and defaulted on them. Looking at my credit file this was around 5 years ago. On my file it says defaulted accounts are kept on file for 6 years. Does this mean that they will not be showed on my file once the 6 years are up?
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OAP - retirement & CC debt
Hi Guys, My mum has just retired, she is on a basic pension of £90 a week, but she has 2 credit cards - Barclays £1800 debt paying £40 a month Natwest £8000 debt paying £200 a month Now she cant afford these payments and is worried what will happen to her, she has no savings and live in a council flat, she has not used…
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paydays
got myself into bother with the payday loans, feel stupid and embarrassed. One loan first to pay on fixing my car lead to borrowing more & more. Now owe just under £2000 with 5 different payday companys and cant pay them off because of the high interest :( Any advice would be great.
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Sat 3 and Sun 4 March - 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 Threads on MSE
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I really need help :(
Hello, I have been following the forum for a while, but never been any good at implementing the ideas people have. I hope by starting my own thread and getting help from other people I can change my ways before my debt is huge! I have done a statement of affairs: Statement of Affairs and Personal Balance Sheet Household…
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Who do I contact?
My oh had/has several loans/cc now all part of a DPP under DAS . I'm goin to attempt to offer a F&F on these debts, but I'm not sure how or who to contact. One cc was with Lombard, who were RBS, but who I believe are now Nat West, the other is a loan with EGG. Also there was PPI on each of these loans which we haven't…
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o2 debt??
My son has also just received a letter out of the blue .. from red telling him he has an overdue o2 mobile bill of over £280. He hasnt used o2 for yonks and as it was me who used to pay his bills, Im as sure as I can remember (!) that nobody was owed any money. Where have they got this figure? Just in case there was an…
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What should we do now? SOA
Evening all, Usual story, I'm a long term member of MSE but posting under a new username. I'm looking for some advice from you lovely people. SOA follows, which all in all looks healthy enough, there are definately areas we could cut down on if we have to. We also never have the shortfall left over as we're doing up the…
