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Capital one credit card
I have got one of those "credit building" cards from Capital One. I have myself on limit of only spending £80 per month out of the £200 limit on the card. I have set Direct Debits of the full payment to come out of my bank account on the same date ever month. If I pay the balance off now (22 days early) - will this still…
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Going deeper into debt not sure what to do
Hi All, Please see this post for an overview of my finances. Things have gotten worse though and not sure what I should do! The Tesco credit card is up to £1600 now. I don't know how to control my finances at all, should I cut up my credit card up or what do you think? I have cut up the Lloyds and Virgin one but still have…
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Santander won't remove negative credit entries
Can anyone tell me who I can complain to? Long story, but Santander made 4 negative entries onto my credit file incorrectly last year. They have accepted that this was a mistake (confirmed in emails to me) and have refunded the charges I incurred - they also promised to remove the negative entries.... That was 8 months…
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problems with Santander
Hi everyone, Im hoping someone can help, my husband and I have around £35,000 of debt spread accross numerous creditors, we have set up a self-managed dmp and all the creditors accept Santander have accepted our offers of repayment. The amount we owe Santander is £10,000 and we originally believed this to be hp because it…
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Running my own DMP but now checking on CCCS website
I have decided it is time now I have had my LBM to check on CCCS website to see if I am budgeting well.... half way through and already told me I budget £100 less than I should a month on food.... :(
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help needed
Hi, need toborrow £ 3000 to pay back for my previous loans, the bank won´t lend me thanks to my bad credit and lots of private lenders are just scams. Was searching online and found this website loan-market co uk. What do you think about it? Shall I give it a try or rather not? Thank you very much for your help,…
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? moving to self managed
Hi I am currently with CCCS on a DMP. Whilst recognising it was a huge relief to start with I don't find them helpful at negotiating with the creditors, particularly with ones that still charge me interest and often think their bias is with the banks and just try to get every penny off me. Has anyone experince of moving…
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Wednesday 30th May - What small DFW things will you do this weekend??!
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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Where to start...
Evening All... i've been a long time lurker(same old story i guess), but ive been burying my head in the sand for too long, and now ive finally hit a wall. Due to personal reasons, over the last few years ive managed to get myself into a messy situation re Pay day loans (when i think of the money ive paid into those damned…
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NPOWER are cheeky B****rs
about 3 months ago i set up a DD with n power for what they said would be £81 pcm to be taken on the 1st month or next working day. I could see at the bank that they had set the rate as variable amount and the date was not set either though they have always stuck to the first week of the month. I called them and explained…
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Payday Loans in the News
BBC- http://www.bbc.co.uk/news/uk-england-18250928 Agree with the article, they should be much more strictly regulated. Been hanging out on here for a few months now and not read a single positive word about any pay day loan- just misery.
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help with phoenix recoveries
Hello, Could someone help with the correct contact details for phoenix recoveries? I have a default from them that should not be on my equifax credit report, as it is from 2004. I have raised 3 seperate complaints with equifax, and they are useless, they gave me contact details for arrow global, i have called twice and…
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Today I have.... Tomorrow I will...
Today I have... Tomorrow I will A thread to record your day's achievements and make promises/plan on what you will achieve tomorrow
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Help needed
Hi i have been reading here for a few days and thought i would ask some advice, i took out a payday loans and sadly i was made reduntant :( , now i have found myself taking out pay day loans to pay off the other pay day loan. i have two small children and i couldnt afford to live on the 65 pounds a week jsa, though i do…
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How much do you allow
yourself after food, petrol and all bills have paid for some fun money? Also just wondered how much would you put into savings? Have finally paid off my overdraft and am working on a proper budget so am wondering whether to put every penny in to my credit card now or keep some fun money
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Switching suppliers while on a DMP (subject to credit checks)
Hi, I'm still here, just keeping my head above water (note: just) I tried to switch from BT to The Post office for cheaper line rental and calls, and it all went wrong, well, they "accepted me" then said I cancelled the order :( I would now like to switch to Virgin for my landline and broadband, which will cost me…
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Barred but still getting calls
Hi all I have sent the Barred letters off and i am still getting Phone calls. It is in black and white that it has been over 6 years so i don't know why they are still calling, what would be the next step for me...sorry just a bit unsure Many thanks
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Threat to place a charge on my house
Hello. I've been in a debt management plan for around 12 months and until now it's all been pretty straightforward. I took some advice from a debt management company but decided to manage it myself. I have one sticky debt which was originally an MBNA credit card but has now been passed to Link Financial Outsourcing. I have…
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Threat on my doorstep by Moorcroft
I have just been visited by a person from Moorcroft Debt Recovery, I told him the name of the debt management company, I thought that by law I didn't need to say anything else to him. He replies, "you know the law living in a street like this" well I saw red went to grab my phone because I wanted a photo of this person so…
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Can I minimise this debt?
My current income is a short term situation. Should be back to normal in around 2-3 months. But I will list my current incomings and outgoings, and see if you think I can cut back anywhere? Incomings.. HB £200 monthly JSA 354ish a week? (not started being paid yet so not sure of exact amount) CTC £100 a week Outgoings...…
