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BBC Money Box Live: Debt and borrowing - Today @3pm on R4
http://news.bbc.co.uk/1/hi/programmes/moneybox/9718491.stm
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help please- credit rebuilding
I've just managed to get my experian score up to the poor category after some notable balls ups in my younger days and would like a little advice on getting it higher. this is what i have on my report and how long ive had it barclays- default- 26/5/2006 cl finance (bought off barclays)- default 15/8/2006 vanquis CC - paid…
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HSBC Managed Loan / Immediate Financial
I have a managed loan with HSBC. I am with a debt management company called Immediate Financial, who charge me £25 a month for their services. I have to send money to them by standing order on the first day of the month, which they forward to my creditors by cheque within 5 days of receiving it. HSBC insist on the money…
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Thanks
Not a regular poster on here but just wanted to tell everyone that following advice on here this month we have cleared our first 3 debts :) Both joint and sole account are now OD free and the first of 5 credit cards is paid off. Cracking on with the remaining ones now and working towards being debt free :) have reduced my…
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New legislation debt written off?
Been hearing a lot about this new legislation for those struggling with debts can now get them written off. Anyone have accurate info on this?
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Pleased With Myself!
In my late teens and early twenties, I took the buy now pay later approach to life, credit cards, loans, loans to pay loans, credit cards to take money off of and such like.... I bought clothes, went out a lot, gambled online and in the betting shops.... basically a to hell with it attitude. :beer: About 4/5 years ago, I…
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d.R.O. nearly over..what do I do now
Good morning..my D.R.O. year comes to an end next month (and , yes..it has been tough),but...what do I do now? Does anybody know? Do I start getting demand letters, do I have to write to the companies that I owe money to?...or what?...Any help appreciated. I am not a troll, thanks x
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Wednesday 16th 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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Help/Advice needed :-/
Hi, Sorry for the long message :-/ But i need some advice?? I finally decided to tackle my debt last month after ignoring it since about 2006 and its built up since then. For years all debt letters etc have been stuck in drawers or the bin. But after meeting my partner and having a daughter together, we now have a son on…
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Removing Default from 2006
I am trying to get a default removed from my credit file for a current account from July 2006. I know it's only 2 months left until it's removed but I would like it removed ASAP. Three weeks ago I sent a letter to the bank requesting the usual documentation (copy of agreement, default notice and deed of assignment of…
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old ccjs
Does anyone know the legality of a CCJ being sold on by the original creditor. This is a very old CCJ which has been regularly paid according to the judgement. Northampton Court didn't know the answer to this an I've been unable to find an answer
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BT Bills - Advantis, SRJ and Mackenzie Hall
Hi All, I was hoping to get some advice/direction or support on an issue that has been hassling me now for several months. In early Nov 11 I started receiving letters demanding payment to Advantis credit on behalf of the Bt Group PLC (a common issue that others have posted about on here). Naievely I spoke to the company to…
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CCCS put plan on hold
Hi, I currently have a debt payment plan with CCCS for a debt of approx 30k with 5 creditors. Last year, my wife passed away so I decided to sell my house and use the proceeds of the sale to assist with the purchase of a new house with my daughter and her husband. At the time, there were two charging orders on my house,…
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Airport security job-Bad credit
Hi!New here so please be gentle and sorry if this has been asked before.I have applied for a job at an airport as a security officer. I don't want to bore anyone with the sob story but have had a very bumpy few years involving a husband who ran off abroad with the kids and left me with huge debts and a mortgage. Kids home,…
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Please help! Possible CCJ?
To make a long story short, a few years ago I got paid too much maternity pay ( I work for the local authority, went back to work, they paid me maternity pay). The first payment I thought okay it must be in arrears then after the 2nd month I called them and they said oops, we didnt pick it up. I paid some back but the rest…
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Debt Arrangement Scheme (Scotland) - Your Money Adviser?
Hi, I am going to enquire about the Debt Arrangement Scheme and wondered if anyone could advise about selecting a money adviser. Are people just using CAB? Do you need to pick the one that is for your local council authority? Any help greatly appreciated.
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Partial Settlements Paid on All Debts - how long before I can get Mortgage?
High income earner £80k+. Roughly £40k in cash and want to get a £250k mortgage. Only just paid partial settlements on all bad debts dating back to 2010. Poor redit rating of 431. How long before I can get a mortgage? Thank you very much to anyone that responds - I appreciate the support.
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Safe bank help...
I have today returned my DMP confirmation for the CCCS to start proceedings. I have a new bank account setup with HSbC. My current bank is Barclays. This does have a number of direct debits setup. Do I now just instruct my employer to use my HSBC account and let CCCs deal with the rest? Cheers
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Help and advice with small amount of dept
Hey, I spent awhile traveling last year and have some un paid debts; Natwest credit card: £1300 Post office credit card: £2300 £3600 My take home pay is £248 a week. By the end of the week I have about half of that left. After food, rent etc... I know it isn't that much but it's still something I need to get on top of.…
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Help Regarding Experian
Good Afternoon I have accounts with both Experian and Equifax. Ive made mistakes in the past and have spent the last few years working my way back up. I have one issue though at the moment and im not sure how to go about it. i had a default notice placed against me by CIT group who look after finance for Dell. I was not…
