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Struggling with money worries
Hi all, this is the first time i have ever posted anything on a forum etc. so please be gentle.. I currently struggling to pay everything on my own - I have aprox £900.00 outgoings each month and income in aprox £1100. I can usually cope but, i feel extremley guilty that my boyfriend has to pay for all travel expenses (he…
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Experian Vs CallCredit?
Hi Im hoping someone will know what the difference is between the two credit reporting agencies on their scoring criteria. I would really like to find out what the Callcredit equivant is to an Experian score of 800? Also if we were to request a check on callcredit by ourselfs will this affect our score at all or is this…
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NDR Headache
Hi All I got into debt with some payday loans, yes stupid and I should know better but I have now faced up to it and have entered a DMP with CCCS (who by the way are great). However NDR has refused the offer put to them by CCCS and are now sending me numorous texts, phone calls and emails regarding the debt which was £700…
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problem with Equifax - help please
Hi recently tried to upgrade my PAYG tesco mobile to monthly contract, with my dd card; system asked for credit check, Guy phoned 'who ever' and I was refused. Tried to get my £2 online credit report from them - but told me I didn't match my current given address - with no alternative option( although did manage to accept…
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Anyone have their wages paid into Cashplus account?
Hi I normally bank with Lloyds TSB but have had to move accounts because they are a creditor. So from this month have had my wages paid into a Cashplus account (you get your own sort code/account number). Today is payday but the money is still not showing. I have phoned them and they are investigating. I checked with work…
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Recovering alcoholic, in debt but wants to make a step in the right direction
Hi there, Made the step of *gulp* signing up after being a bit of a lurker on the forums...first of all, reading your posts and stories has been massively inspirational, informative and comforting. This community seems awesome. About me...I'm a 20something postgrad researcher and part-time teacher. And a recently…
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Just a quick question re: catalogues
Hi and hope you are all having a lovely sunny Weds! My question is just about paying a catalouge. Do you have to wait for the bill to come in each month, or can you pay an extra amount each week? I've got £130 on my Next account, and want to clear it as its really just hanging around for no reason. I'm such a bad saver…
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Providing proof to credit agencies
Hi everyone My debt has been passed from pillar to post for the past 12 years. It has now been bought by Link Financial (Oct 2011), who are not only bullying me to increase payments but I dont have the money unless I deduct the monies from my priority debts (rent arrears, for instance), but they have also - in my opinion…
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Any advice please - End of DMP & Charging Order
Hi, I'm currently two payments away from completing my Payplan DMP (May 2012). :j Unfortunately, along the way I managed to obtain a number of defaults, a CCJ and a Charging Order. Once the remaining debt has been satisfied, I want to get rid of these things asap. I was wondering if anyone had any advice/experience…
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Confused and suffering from information overload!
I've been reading these boards for some time and I learned a lot about priority debts and things like that, some years ago I got court summons for council tax (twice!) and all the electric bills were red as I never used to pay them on time but I kept paying the credit cards. Now I know how it all works. Reason i'm posting…
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CCJ help
Hi everyone, hoping someone can help. I have a CCJ for just over £4000 regarding Car Finance i took out in 2003. This is with DLC. I started paying this off but then got into financial difficulty, which resulted in me unable to afford payments. In October 2011 i was issued with a warrant of execution, so i went to the…
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Fixed Penalty Notice - littering
Hope somebody can help: Me and my fiancee recently decided to leave Trafford and move out to Glossop. The impending arrival of a newborn made us look at city life (or at least the version of it we've been able to afford since moving to Manchester not so long ago) and decide that we'd prefer to raise a child in a more rural…
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Creditor Letter
I have written a list of what I owe to what companies - many of which have gone to debt collectors. On my first post I was advised to communicate only via letter - does anyone have a letter template I could use to send to them all?
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DMP and Full and Final offers
We have been on a DMP with CCCS for 3 years and paid off a third of our debts so far at £600 per month. (35000 in total left to pay over 5 years) We have been offered the opportunity from a family member to clear the remaider of our debts, but only on the condition that it is full and final and we come off our DMP. What…
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Im unemployed and Owe credit card :( Please Help
Hi I am a single parents and have been unemployed for about 6 months. I owe quite a bit on credit cards and I am really struggling to pay it off each month although I am. Im very lucky in one hand as I do live with my parents and they are a great support. I still pay board and all my bills. I havent a clue what to. I can…
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loan to credit card
I currentley have a loan for £1775 outstanding fron Co-OP bank and need to reduce my monthly payments to help me manage my ever dwindling income so want to ask if it is possible to transfer loan to credit card and if I can is that the best way of managing this debt.
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Help with my Call Credit report please!
1) My car insurance is due for renewal soon so I have been looking at quotes via the main comparison sites and a couple of other insurers. I have just checked my Call Credit report and the following appears * Search Reference:{4A27D469-D67D-405C-B290-6E7F3C4DACE4} * Search Organisation:Insurance Initiatives Limited (IQ) *…
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Wednesday 28th 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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Discovered Girlfriends payday loans. Help!
Bit of a bombshell tonight. I was a mature student and recently finished my degree. I had been quietly saving whilst on JSA to pay for an engagement ring as I have really struggled to find any kind of work (I have never been on JSA before this!). Just so that it was all paid off and no debt, that once I got a job we could…
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Desperately need debt help/advice please!?!
Hi all, Thanks for taking the time to read. I will try and keep as brief as possible. I'm in a bit of a pickle and need advice....if anyone can help it would be much appreciated..... So I am 25 female and I got myself in debt from young age. As soon as I was 18 the bank offered me a £5000 loan, £1500 overdraft and £1500…
