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Advice Needed - Simple Ways To Save?
Hi there, Wasn't sure which section to post this in... I would like to try and save money here and there, anything from utility bills, food shopping, entertainment etc. I was hoping I could get some advice on handy ways to do so - along the lines of keeping your central heating below a certain temperature and recycling…
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Recently Married - Joint Account, Credit Rating Affects & Debt
Hi there, I've done a bit of research online but sites seem to giver differing answers so I'm hoping that someone here might be able to help. I'm recently married and would like to set up a joint bank account with my husband. I have a good credit rating and according to Experian so does my partner. However, we went into…
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finally debt free now im scared
Hi All. Well, I've only gone and done it. I have today, paid my last payment on my DMP. I feel like a huge weight has been lifted from my shoulders and all the clouds that filled my head have now cleared. The reason behind today, was the very recent passing of my dear dad, came out the blue. No illness or anything. It was…
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What should I pay first?
Hi all, I want to become completely debt free as soon as possible. The problem is I don't know which of my debts to pay off first so as to achieve my target in the quickest time. Would I be better to pay off the smallest amount first and then when that is paid, use the money I would normally use to pay of that debt to then…
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Voluntary Surrender of property
Hi there I am looking for some advice as we are about to surrender our property to the lender after falling in arrears. We moved out of the property due to severe ASB and we rehoused by a Housing Association. We have been trying to maintain the mortgage and the rent on our new house but it has gotten too much and we have…
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Hamilton reese problem
Good Morning All, I am currently on a debt management plan with the above and I am paying them £250 a month to be paid to my creditors. On reviewing my payments I have realised that only £205.63 is in fact going to my creditors. I was told that my first 2 monthly payments paid for the service and Ive been on the plan now…
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Can anyone advise me what to do about a letter from Mackenzie Hall/Meritforce?
Hi, I've received a letter this morning from Mackenzie Hall advising a doorstop collector from "Meritforce" will be calling within the next 10 days regarding a debt from Barclaycard to the tune of £2,836.01 The thing about this is that I've never had a Barclaycard. The name on the letter is mine and there is a phone number…
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Do I pay CCJ or wait for Redermination?
On 3 May I received a CCJ for £85 a month for Nationwide, the Court had totally disregarded the fact I'm on a DMP with Payplan. I requested a Redermination hearing (sent off letter within 14 days). Letter signed for on 11 May. Just waiting to hear if date set for this. My instalment is due on 4 June which I imagine will be…
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Tuesday 22nd May - 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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Can equifax keep information on my file that they know to be incorrect
Hi Can anyone advise? RBOS have finally admitted to both me and Equifax that they have put an incorrect (by 3 years!) default date on my file. However, I am told that I have to wait over 3 weeks before they send their updates to Equifax to have this corrected. I have put an offer in for a house and I need to apply for a…
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Default Question!!!
I am negotiating for a discounted settlement on a old defaulted credit card account. I have checked my credit file and realised this company in question was reporting a default every month for about two years now, naturally! I ask these question so i know my ground when negotiating... If I don't pay does it default every…
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Seeking advise
Hi i'm just wondering if anyone could offer me some advise on my debts. I'm wondering what is the best debt to pay of first. Here is a list of my current balance of my debts: Vanquis £1162.28 at 39.90% HSBC £3865 which was sold to a debt collector so there's no interests Very £850.64 at 44.90% Capital One £194.72 at 34.08%…
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Judgement Set aside after paying bailliffs
Can I claim back bailliffs charges if I successfully get my judgement set aside and settle the account in full? I STUPIDLY paid a lot of money to bailliffs when I discovered there was a CCJ in joint names with an ex. (he was supposed to pay the debt as part of a verbal separation agreement) Days after I had forked out…
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Default
Good Evening Everybody, I know this is another default thread and so I appreciate you taking a look at it. 3 years ago I received a default from Egg - I had a loan for £10,000 and near the end of the term I became a bit complacent/busy with other things and missed a £99 over several months. It was referred to a Debt…
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Finally worked up the courage to write it all down...
Finally worked up the courage to write it all down...and now I feel a bit sick. I've been lurking on the boards getting advice on moving around my debts for a while now but pretty much head in the sand for a few years now. Had a few mini LBMs and have managed to get new spending (mostly) under control. Had a rough couple…
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Just wanted a little moan before bed
Just a little moan, checked bank today and must have had a dd come out in the last 4 days as now over £800 OD :eek: with a vet bill to pay on Friday (£60) We both get paid fri but once wages go in bills come out and od covered we'll be back in the red. :( Rant over nearly made me weep today as i've been really motivated…
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Really need help!
Hi all, Been suffering with payday loans for the past years or so and now its getting too much, I really feel sick and worried. Anyway i have loans with wonga, speedy cash, payday express, 1month loan and the cheque centre! They all amount to around 2k and i only get paid 950 a month so as you can imagine im in real…
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double default entry
A while ago I helped my wife get a debt with cabot recognised as unenforceable through the courts. Now she has just checked her credit file and the debt has been marked as defaulted both with the original creditor and with cabot. I was under the impression that this was not allowed am I correct in thinking this even though…
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I need help
I have so many problems that I don't even know where to begin. I am in a fair amount of debt which I am scared I will end up having to pay back, which I would not be bothered about so much if those debts were mine. But they aren't. For the record, I am 22 with a one year old child and I'm on benefits. My mother took out a…
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Had to laugh or i'd cry.....
Just found the demotivator on here. £750 per year on red bull :eek: £170 per year on peperami's :eek: :rotfl: I'm on day 1 of no more red bull or peperami's :D
