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Dmp? New to this help needed..
Hi all, Ok I've been lurking on this site for ages now but think the time has come to face facts.. Me & hubby are in debt that is just goin no where.... Right we currently have 20k of unsecured debt made up of the following : Halifax cc - £5500 -hubbys Halifax cc - £600 - mine Halifax overdraft £600 mine -paying £50 a…
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Credit searches ruining my credit rating, what to do?
Hi, i just got my equifax credit score, which came out at 249 which i was very shocked by. Everything was green, no late payments etc apart from account hitory which was amber because some accounts are only 2 years old. My previous searches is on red, it says 6 in 6 months, which is split into: 3 at current address 3 at…
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Minimum Settlement Amounts for Cabot
I currently have three accounts which are up to date but would like to pay off as full and final settlements for the minimum amount. Cabot (originally EGG) £5400 Cap Quest (originally A&L now Santander) £2000 Roxburgh (originally M&S) £2000 I wondered if anyone had made any recent settlement offers to any of these…
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cccs six month review
Hi just done my review with cccs i usually have to do one a year but this time they want to review me in six months is this a new thing has this happened to you i dont mind just dont understand after 4 years of doing yearly one why they are changing it to six month she did say that we didnt have to go through it all again…
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Can I ever have a good credit?
When i was a student they gave me a credit card and for like a few years lived by paying off the interest this was 2004 and then in jan 2008 I had an overdraft of £1700, then become homeless, since have struggled to make ends meet with part time jobs, but still can't afford to pay off any of my debts. Is there any chance…
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Credit card nightmare!
Any help/advise would be greatly appreciated. My 86 year old Grandad has today confided in me that he has over £35k of debt on credit cards that are all currently being paid on a DMP with Consumer Credit Counselling Service. I have no idea how long he's had these cards as he had been burning his statements etc to hide this…
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Partial Settlement Wording
Hi, Can someone please have a look over the letter in this post? I received it in respect of one of my debts. I was just a bit confused by the 3rd paragraph. If someone could help me I'd be very grateful. Thanks
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My SOA - where is the surplus going?
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 3 Number of cars owned.................... Monthly Income Details Monthly income after tax................ 1023 Partners monthly income after tax....... 0…
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Today i am debt- free (my story)- thanks to all on this forum
Today, I have cleared all my debts. I want to thanks all on this forum for the advice which has been helpful.:beer::beer: I would like to begin by stating I blame myelf 100% for getting in debt. I was a total idiot. No-one else to blame (including those who gave cheap credit which they knew I could not afford) I had 5…
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The Jubilant June NSD Challenge
Welcome to the June No Spend Day (NSD) thread!! We are a happy (and some might say mildly insane) bunch doing battle with those retailers - and there’s plenty of temptation at the moment with all the sales on. We are seriously committed to saving money, but nobody said it can't be done with a smile on your face - so we…
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Probably as bad as you will see :(
Hello, I have just completed my SOA and it's not looking good :( To give you an overview as to how it has got so bad my husband and I were previously on much higher salaries and managing the debt but due to medical reasons my husband has reduced his salary by £800 per month in changing jobs and I have reduced my hours to…
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remortgage or dmp
hi all, need to get sorted owe 17K not sure whether to remortgage - if i can, have enough equity but think i have poor credit rating or should i go down the dmp road any suggestions
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Bailiffs at door but partner no longer lives here Help
Hello can I please get some advice, my partner nearly 2 years ago got a fine for dropping a cigarette on the pavement, now nearly 2 years later I have had Marstons bailiffs at the door saying I owe them money, the original fine was £50, they now want £1200. I have told them he no longer lives here, and hasnt for nearly a…
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Bryan Carter Solicitors
Hi can anyone help. My husband had 3 phones with orange for his business. When he was on his first lot of cancer treatment the bills were just coming out of our account without him checking the invoices. After his treatment he noticed that he had been paying for over a year for a non existent phone. He contacted them only…
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Council Tax - Heellpp pls
About 8 weeks back I received a council tax arrears and removal notice from 2 and 3 years ago there was 3 accounts with debt on. I spoke with the baliff company who advised that if I pay the smallest off in full (still £600!) he would be able to put the other two on hold to give me some time to sort it... I honestly…
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Surprise debt from 2004!
Against good MSE practice, I have an inactive card (Outlet) not used since the Richards chain closed. Having had a letter re alteration of a linked insurance policy (?) I rang to close both policy and the card account. I was amazed to be told that I have owed them, Creation Financial Services, £73 since 2004. Furthermore,…
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Need a "no overdraft" card to stop overspending budget!
Where can I get a card that allows me to transfer from my main current bank account a set amount of spending money each month, & then withdraw cash, spend in shops or on-line, but doesn't EVER let me spend more than I have for the month. Most savings accounts with a card only seem to let you get out cash at ATMs. My bank…
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Newbie Debt-Free Wannabe
Hi All, I've been reading through a few threads on this forum this morning and everyone seems to be providing solid advise and being very helpful! It's warming to see! Anyways, I'm 24 and have been struggling with debt since I started earning a wage at 19. Currently I'm about £12,000 in debt, due to silly spending, living…
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Are solicitors fees included in a ccj?
Morning, A few years ago I got in to some trouble with a credit card, this resulted in a ccj and attachment of earnings order for £11k. I have now paid off the amount the attachment of earnings order was for, but bank of scotland have told me that I have another £1k in solicitors fees to pay. I have sent them a copy of my…
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Mbna cc advise please!
Hello guys , Need abit of advise after spending 2 years tackling my debt which at its highest was £24,000 ! I now have reduced it to £14,000. So I can finally see some light at the end of the tunnel . My biggest debt is with Mbna cc which I took out in 2002. I now owe them £8,000. Im paying over £100 interest a month and…
