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Where can I change my lifestyle?
Hi folks, we had a look at our internet banking last night and were shocked to see we were rather "skint" we realise we have been over spending recently and I am just looking for some help and advice on what we could do to reduce our monthly spending as we should have money "left over" at the end of the month with the…
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Credit Reporting
Hello all, not sure if this is the right place to post this. But i need some advice and dont really know where the best place to post would be. But my situation is, somebody has run a credit check on me without my permission or even knowing. Is this legal? It now appears on my credit report and I'm guessing this could…
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Overdraft advice for DFW...
Hello all, This is a bit long winded so I do apologise! Been a bit of a hectic year so far with lots going on. Brief outline for all. Bought our first house in January after getting 100% debt free in 2010-11. Then found out my fianc!e was pregnant (later had a miscarriage :( sad day..). We got out a loan as we wanted to…
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Thursday 17th May 2012 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. :money: But once we have done the bigger stuff, we often feel that we are not making the same amount of…
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Halifax again!!!!
Well, I knew it was too good to be true. A week after the Halifax agreed to freeze interest I open my statement to the shock of my life. They have re verted back to original interest rate. I telephone them and spent 45mins on the phone to be told that my special arrangement had ended as need CCCS to send income/outcome…
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been a lurker but wanted to say....
Hiiiii :) I have recently considered IVA/DRO/DMP etc to shift debts from prev relationship....however I sucked it up grew a pair and dealt with it all - all bar one have accepted plans based on what I can afford and will take 6-7 years to clear them all but it will be worth it :) the one left I am confident they will…
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Newbie Wanting help
Hey Everybody I'm new to this site and was wondering if anybody had any hints and tips and getting out of debt and cutting my monthly spending as I am now on maternity leave with a baby on the way any day now so my monthly wages have pretty much halved. My major concern at the minute is my overdraft I have an over draft of…
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Fighting a losing battle!
Hi all, Im a 24 year old male with severe financial stress. I bought my first house when I was 21 with my girlfriend at the time, we separated last summer and since then my financial troubles have spiralled so im wondering if anybody has ANY advice. My current monthly income is £1330. My outgoings are as follows...…
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Finally near enough done it !!
After 16 years in debt, I am near enough there I went on a credit score site, I found that my score had gone from poor to fair, I had one debt left of £260 which I have have paid today with my credit card, I have just been accepted with barclaycard and will get that paid within the 3 months required to not get any charges…
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No work = no food = no answers
Hi :) I need some help please on what I can do to find money to feed myself and my wife. A little about me. I had a back injury at work about 16 months ago. Whilst my back is still not 100%, I have some painkillers which now enable me to get back to work. I took my FLT licences about 3 months ago to hopefully give me an…
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the curse of pay day loans
We have fallen into the trap of payday loans, i was in a well paid job and borrowed a thousand with a thirteen hundre payback, (i should say my credit rating is poor) now having lost my job we cannot repay the loan. HELP:mad::mad:
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desperate for your guidance
Hi, I keep reading so many fantastic posts about how you guys get to see the light in messy debt situation and by working so hard you manage to pay all debts off. Well done to all of you!!! Im in £21300 debt and really dont know where to start.... got a little girl age 4 and really want make sure i can manage my finances…
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Acting on MIL's behalf
After my MIL got herself into difficulties we want to take her case on with Norton Finance and be able to communicate with them on her behalf. We’re a bit concerned about doing this but we’re in a better position to do this than she is. If we are consented to act or negotiate on her behalf with Norton are there any…
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Advice on duplicated Default Dates
Hi all, I am after some advice on how to best approach two duplicated accounts on my Credit File at Noddle. There are two records that are records of the same defaulted Barclaycard account from 2006. Here are the important parts of both records as they appear on the credit file: Lender: Barlcaycard | Account Type: Credit…
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Reliable collections please help
i wrote to reliable months ago asking for a correctly signed by myself credit agreement as they sent one which was scanned from my new address thus seeming to me that they havent got one - they keep sending me statements but have failed to supply true copy they have sent me yet another statement charging me for 2 lots of…
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Just getting nowhere fast...!!!
Hi I worked in the city for a large corporate company for more than 20 years, I paid my taxes and did my bit. Just over two years ago I took redundancy and thought I'd have a bit of time off - actually I got very bored very quickly and before I knew what was happening I bought a small shop on the high street. I put…
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don't really know why i'm doing this ???
hi I know how unbelievibly stupid i am !!! and don't really want judging , although i'm aware you will because i would ! lol Basically i'm a complete screw up and have to put on a pretty smile to everyone , pretending its alright when it ain't. I haven't got massive debt , but for me it is around £4550 The biggy i have is…
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I have a lot to debt to clear... and no idea how to begin!
Hello fellow debt-free wannabes :wave: I've just joined the forum, as the time has come where I really must do something - anything - about my dire financial situation. I have no idea where to begin! I have an overdraft that I've been unable to clear since being a student three years ago, a maxed-out credit card and…
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Need advice on lowering CC payment
Hello Everyone, I've done a few searches but haven't found what I'm looking for - there's just so much info! My sister has over £25k in CC debt from 18-26% so you can imagine the monthly interest charges. Her credit rating is wrecked as she's been mostly out of work for the last 3 years and fell behind on payments (CC,…
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Where to start?!
I am looking for some help/motivation/advice on how to deal with my current situation. I will be 100% honest with my situation, as lying will not help me in anyway. My current salary is just short of 28k (been on this for 6 months – before that 21k I come out with just short of £1800 per month My current debts are: Vanquis…
