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Need to reduce expenditure
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... Monthly Income Details Monthly income after tax................ 1100 Partners monthly income after tax....... 0…
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Debt recovery - wrong person & address
I received a letter through the mail today from a Debt Collection agency in Glasgow addressed to a different individual. My partner of almost 2 years is still legally married to her husband, even though they amicably parted company in every respect over 5 years ago. She has lived with me and is on the voters roll at this…
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Default from Virgin Media on one Month's late Payment
I would really appreciate If somebody can help me in resolving this issue with VM. When I checked my credit report (Experian) last time sometime between June and September 2011, it was clean and nothing was there about VM default. But then yesterday, I retrieved the latest report and was shocked to see the default placed…
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Desperately Seeking Assistance :(
I really need someones advice on the problem below. I have debt that were accumulated during a previous relationship. I have been paying these all myself since the seperation. In the last year I have become very unwell and had lots of time off from my job. I then was on SSP for the last few months. As a result I have…
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Pay off 0% cards or start saving?
I am wondering what best to do in my situation and would value any input. I have two credit cards, both at 0%. The balance on one is £1,600 and the balance on the other is £1,700. I have no other debts other than student loan and mortgage but I'm not too worried about paying them off quite yet. I have budgeted repayments…
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Getting there...
Hi guys Haven't posted for a few weeks, have managed to pay £300 off my credit cards :Tbut not been able to save anything yet to repay my mum :( (but she said she's not worried - just pay back when I can - so am concentrating on paying the credit cards off first). Also have managed to close and cut up (the best bit!) two…
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Advice for dealing with Moorcroft Debt Recovery
Hi I'm after some advice. I had a Lloyds TSB debit sold onto Moorcroft back in 2010. As I was doing my own DMP I set up a monthly repayment plan with them for just over £190 a month. They were also sent by recorded delivery the 'please contact me via letter only' letter. A while back they started writing saying that it…
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Lowell portfolio
Hello all i have a question regarding LOWELL PORTFOLIO LTD, right where to start in 2005 i took out a store card with burtons i was young and didnt read the small print and astronomical interest rates needless to say i fell behind with my payments and then stop paying all together and had a default listed dated 2005. I…
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bit stuck..
hi all, new here! My situation is that I have recently bought my first house, and the mortgage along with my car repayments and everything else are beginning to get a bit much. I pay £275 a month on my car, and if i could just bring that down to say, £150 i think I would be ok. At the moment I am running out of money by…
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Credit Card Debt and Recently Lost Job.
Hi all. this is my first post. I have around £9000 of debt on 3 separate credit cards and a bank overdraft. I was a professional rugby player until this month and i am now unemployed , currently with no income. 2 of my 3 credit cards are over their limit and continuing to build interest and i'm struggling to make the…
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Working email address for MBNA
Does anyone have one? Thanks
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New SOA now started self employed and husband working
Just wondered what you all think of this as I am trying to work out a budget. I work part time and also run a small business as a beautician/nail artist. My husband is working part time in a seasonal job and has been looking for something permanent for ages. I have 2 daughters aged 17 (on the first year of a 2 year full…
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some good news!
well its not massive but good news for me! was going to cancel my £8 a month lottery DD as trying to save/budget but I have cut back on smoking from 5 packs a week to just 1 so thought hey why not, and I won £93 on Wednesday night :j I know its not much but will go into the savings pot and I have a big grin on my face
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Credit Rating Question
Hi all, I hope everyone is well and as I am new to this I hope you'll be kind (sure you will). I currently have a poor credit rating from accrued University (and other) debt. I am on course to have 90% of this paid off this year and want to know when I will see an increase in my credit rating? I am hoping to save for a…
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Road to freedom
HAs begun..... Spoke to PayPlan, and went through all debts..... Scary £13000 of unsecured debt. our disposable income only allows £100 for creditors. will take 10.5years to clear. I hope to pay more from the outset, but feel some creditors, who are the scummiest of the scummiest will dig their heels in. But the belief i…
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ANOTHER question on defaults
Hi, I really have problems getting credit and am getting a bit confused. 2008 was my worst year for credit as I was on a very low income and spent way beyond my means. Since then, however, I notice that I am accepted for some things and not others. I have a nicely paid job, all my debts (and there's not that many) are…
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Old debt help needed please...be nice.
Hi all, When I was younger and irresponsible I had a lot of credit. Cards, a loan, store cards. You name it, I had it! Unfortunately I was made redundant and stopped making payments. Since then I have not made any payments and all of this debt is due to drop off my credit report by the end of the year. I know this is a…
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7th Birthday Party on a £30 budget
HI Everyone, I'm planning a birthday party for my son at the end of the month. I've ordered and paid for the bouncy castle already but I have £30 for all the party stuff - i.e. food, games etc.... any help and advice VERY GREATFULLY received! Roughly 15 kids coming!! Neets:D
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Should I reduce store card limits?
Morning all, I have three store cards. Argos, littlewoods and next. I am in the process of clearing these debts and currently have £235 on littlewoods but a credit limit of £2,500 and my next account has a balance of £370 with a £2000 limit. I am trying to repair a not so hot credit rating and I am wondering what the…
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Is there a way of having a debt reduced?
Hello I am new posting on here so I hope you can bear with me if I am in the wrong place. In the last 12 months I have managed to clear three out of four debts, but I am wondering if anything can be done about the final one. It is a student overdraft of just under £1000 which was originally with HSBC but was moved to their…
