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Srj
Hi, I wonder if someone can help me. I've been getting several calls and texts from this company asking me to contact them. I dont answer the calls and I don't call them back. As far as I'm aware I do not owe money to any company. I received a letter today detailing they have received information confirming that this is my…
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Bcw Group Plc T/a Buchanan Clark
Hey guys, need some advice please, just checked my credit file with experian and i have seen a Table 1 Credit Searches from this company Bcw Group Plc T/a Buchanan Clark and it says reason outstanding debt. Now these table 1 searches are recorded against all my 3 previous addresses. The address on my credit file that shows…
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£14.99 for a credit report from Experian....
........ Is it me or is £14.99 a month a disgrace?
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Need ideas to make money go further/earn more!
I really need some ideas as me and my OH are in around £12000 of debt which we want to clear ASAP. I have found out I'm newly pregnant which was a surprise! So now I would like to get the debt down as much as possible before November. We do have a spare £1000 each month to get the debt down but the sooner the better in my…
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Credit card minimum payments
I am in a serious amount of debt, mainly credit cards. I have taken advice from payplan but unfortunately cant go ahead with a dmp or iva at the moment due to having self employment complications. I am hoping to do an iva when I close the business later in the year. I can no longer make the minimum payments to all the…
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Partner just lost his job, need help with single-income SoA
Hi all, someone at work told me about this site and I'm hoping you can help. My OH has just lost his job so we're down to just my income. From our SoA it looks like we're short £327 a month, but I need to make our £4k savings last as long as possible so grateful for any advice on how to improve the below! Statement of…
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Council Tax arrears help please.
Hi I am £435 in arrears with the council tax they say if they dont get it by 31 march, they will be taking me to court, I am really stressed they gave me 6 weeks to pay this but I can only pay about a third now, do you think they will take me to court, I am so stressed, I am gonna ring this morning and say I have taken…
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what would be best for my daughter
My daughter is in her first year as a qualified teacher she bought her first house last year and has spent just over £1000 on her very account for household items which has to start being paid next month at something like 37% interest , Also she has to find £500 to pay on her overdraft on a graduate account by July. She…
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Monday 26th 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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Girlfriends Debt
So for the last few years I've saving/investing what little money I could only to now find that over the same time my girlfriend has been getting in to debt :mad: Anyway, I'm trying to remain calm and help her as best I can. I don't know much about loans/credit cards/debts as I've only ever had an overdraft so I thought…
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Mobile Phone missed payment
Hi all, I was hoping someone could offer some advice in regards to a missed payment for my mobile phone contract. To be honest, I have accpeted that I could have handled the situation a lot better, though I still want to pursue this if there is any point. The situation was that I was moving to another mobile phone…
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first big step....
Hi, ive been reading these forums for the past few weeks now and finally plucked up the courage to post my situation and hopefully pick up a few tips. Ive been seriously stupid with money for the past 18 months and managed to get myself into debt by around the £5500 mark. The thing is, im 21 and a full time college…
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Chopped up my credit card!
I've finally taken the plunge and chopped it up :) woohoo! If everything goes as planned, I should be debt free by September 2012 the very latest!
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First Step To Debt Free
Hello all. Finally 2012 is the start to becoming debt free we have accumulated 4000 in debt whilst I was unemployed. I went to a Debt Management company and they have calculated with their fee's included I will be debt free completely in 12 months I have just cleared my Biggest balance my credit card of 1300 pounds. SURE I…
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How long do Credit searches stay on your Credit Record
Hi all, I recently trialled Credit Expert and got my Credit File checked. It is actually now classed as 'excellent' scoring 999 (not sure what out of). So - I figured I would be ok applying for a 0% Credit Card. I tried one - was turned down, tried a second and again was turned down. I do have 2 existing Default Notices on…
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What will I do after my JSA stops?
My contribution based JSA is due to stop in June, on income based I will not get anything as my wife works part time, I only paying creditors token payments at the moment, but if JSA stops I won't even be able to pay that, so what will likely happen? We only rent our home and have no assets.
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DMP - Credit file / mortgage
I'm after a little advise...I'm nearing the end of a DMP (1 year early due to a PPI claim thanks to this website!). I have 4 default notices on my credit file, not due to drop off till mid 2014. My partner and I are renting currently and desparatley want to buy our own home. Would we qualify for a 95% mortgage with my debt…
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Weekly Spend Challenge w/c 25th Mar 12
Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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"I'm dreaming of a FREE Christmas..."
"Christmas is coming and the goose is getting fat, please put a penny in the old man's hat...". Well, it's 9 months away but we all know how quickly the time flies! As I was opening some freebies I got through the post yesterday, an idea came into my head. Would it be possible to have a "free" Christmas? So far, I have…
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PayDayLoans and Rent Payment - Please help!
Hi everyone, Basically I'm in a bit of a pickle. I currently owe 3 payday loan companies different sums of money (£100, £150 and £200), which owing to circumstances I'm unable to pay this payday. I have a rent payment on the same day, which means that I won't have enough money in my account on the 27th of this month to pay…
