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Debt after death
Hi Don't know if this is the right forum but here goes. Mum died 18 months ago & i lived with & looked after her. Their was some insurance but not enough to cover all the funeral costs so i withdrew what was left in her bank a/c (i am one of the benefiries/ executors in her will) to cover the shortfall. The small amount…
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Credit Reports and Correcting Errors
Hello. If there is an erroneous default registered against my Credit Report, in order to have that corrected, do I deal directly with the Credit Reference Agencies to get that done, or do I have to go through the incompetent institution that made the error? Thank you, John
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young silly student.
hi :) i've been browsing these forums for a couple of years now and have finally decided to come and post and look for help as things seem pretty dark and dim for me right now. i'm 21, i currently with my dad and my younger autistic sister and i am massively in debt. my parents were always quite tight with their money and…
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young and foolish - help with debt please?!
Where to start?! Got myself into a lot of debt after missing a months rent payment for my uni house - ended up getting a payday loan (worst decision of my life) this then ended up with me getting 5 more, to pay the existing ones off.. I've racked up a total of £7000 debt and have no idea where to go from here?! Debt…
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DCAs
The majority of our debts are with various Debt Collection Agencies (Lowell seem to have popped up mostly). For a couple of them I have come to an agreement but it has just occurred to me, do these agencies add interest and charges? Off the top of my head Lowell are holding a Money Shop debt and Littlewoods one. Is it best…
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Facing up to reality . . .starting with this. . .
Hi This is not the first time that I have tried, not only to face up to our debt crisis, but to do something about it, but it is the first time that I've taken the step of completing an on line Statement of Affairs and really unpicked our spending (I'm sure there is more hidden spending as I do not feel that we have a…
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Loan Debt - Barclays
Hi. In 2008 I took a lone out to complete a course. Sadly the course never put me in a financial position to be able to pay off the debt, and after many defaults it was sold to Apex Credit Management. I contacted Apex this week and they said they no longer have the debt, and it's back with Barclays. After a few phone calls…
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Shopper's 'High' replaced...
I think most people will be familiar with that little high that comes when you 'treat' yourself to something new. Then comes the guilt and stress if it's only added to your debt woes. Today, for the first time I realised I get a little repayment 'high'. I never really noticed it before but, today I got paid and made a…
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Student in Trouble!!
So i've been a student for 2 years and opened a Santander student account in the summer of 2010, it started with a £250 overdraft, before increasing to £1000 when i got my loan and £2000 in the summer of 2011. So i've had this £2000 overdraft for a year now and i've never been out of it. Santander have sent me a letter…
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Abroad: Which Debt?
Hello This is my first time posting here, but I've read lots of good advice on this forum so far. Sorry if my situation sounds stupid, but I could use some support/help! :) I've never been too good with money, though I try and try...don't we all? Since graduating I've been in and out of my overdraft. One historic day it…
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what are the terms and conditions of declaring a debt statute barred
can someone please advise??? someone told me that it can be statute barred even if you have had letters after a lapse of time, but you dont acknowledge them (for 6 years). another said that if you have had letters, even if you ignore them, it cannot be called satute barred. nothing has been paid on the account for just…
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Lightbulb Moment!
I've stupidly ignored my debts for many years (about the last 9) and have now found that I don't actually know anymore what I owe or who too, it seems my debts have been sold on so many times that i'm getting letters from agencies i've never heard of and on some debts am getting nothing at all.......how do I find out what…
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SOA Query
Hi all, First time poster here, please be gentle. When adding unsecured debt on an SOA do you add the loan value without interest or with added interest as per my statement? I'm not in any kind of crisis but would like my home improvement loan & mortgage figure's down considerably. Thanks
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Debt starting to build, need to nip it in the bud now!!
Hi all, Sorry, this unintentionally got a bit long....! Have lurked for a while and I think I need to post on this board before I lose my nerve! I'm not in huge amounts of debt like some people but I think I really need to get my finances sorted out now because I feel like they're starting to get a bit uncontrollable, and…
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Calling card just received
Hi All, I have just had a card in the post from CFS a member of CS Holdings Limited saying someone will be calling tomorrow between 9am and 9pm and I'm scared! Does anyone know what will happen when they come to my home tomorrow? I am currently paying a token of £5 a month and have been dealing in writing but will be home…
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Improving Credit Rating?
Hello all, Just wondered if ay one knows of how you can improve your credit rating and what sort of thing course it to go down? I had bad credit in the past due do a credit card and a miss hap with the bank while i was un employed when i was 19-20. owed out about £1000 which is paid now of course. right now I have a few…
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Couple in Debt
Hi all, I don't really know where to start so forgive me if I ramble or don't express myself properly. I've always been unemployed (because of depression and anxiety) and a couple of years ago I stupidly got a credit card, then followed a second credit card and to round it up a catalogue account. All of them are in my name…
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Newbie credit card shuffle
Hi All, I've just joined the site and I hope that some of you can help me with reducing my CC debt. Its not a massive problem to me financially - I can meet my commitments monthly, but I would like to become near debt free before I commit to buying a house in 12 months time or so. Here is my current situation: Lloyds TSB…
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Tuesday 31st July - What Small DFW Things Have You Done 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. 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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which to pay first?
Hi, I have two main debts/bills. My Very catalogue, which is 44.9% APR and a credit card which is 27.9%. I'm unsure which to try and clear first, as the very account is on buy now pay later. So a lot of my items I have until next year to pay them. I've had a look at snow balling, that said to pay very first but I'm…
