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Please help need to get out of car finance deal.
We have today been to see a car at arnold clark that we like and rather than taking time to think gone ahead with the finance on it. We paid £100 deposit and signed the finance agreement. Since returning home and talking to others we think that we have pushed ourselves to far per month budget wise. Is there any way we can…
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Coop lloyds buyout of branches
Will the Lloyds sale of branches to cooperative bank make any difference to people with 'safe' bank accounts with Co-op and debts with Lloyds?
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Newbie needing some advice please...
I'm wanting to try and sort my debts out and i've been declined a loan - which i thought was my only option. Here are my debt details..... santander cc £1700 Mint cc £850 K & co £180 Very £650 TOTAL £3380 my income a month is £704 and although i dont have much money at the end of the month i am currently paying around…
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anyone help me get these debts out my way?
here is my SOA with detailed info don't know how and where i can cut down.. thanks. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income…
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Been hiding for too long
Hi, I don't know where to start or do at the minute and I'm hope for some guidance. Back in 2003, I was a little stupid and took a £2k loan out to pay for an holiday and for a little bit extra, During that time I was paying it back perfectly fine then I lost my job, I then took out a credit card and another loan...I was…
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MSE News: defends Mental Health & Debt guide after debt collectors' criticism
MoneySavingExpert.com creator Martin Lewis has defended our guide to mental health and debt after the debt collectors' trade body accused it of feeding "prejudice". The Guide to Mental Health & Debt was compiled with the assistance of charities Mind, Rethink, CAPUK, as well as free debt help agencies Citizens Advice and…
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Good or Bad idea?
Hello everyone I had my LBM in 2009 with near enough £45000 debts and have now cleared all bar £2500ish which is a default so no interest or charges as I have been in a payment plan with Capital One and have not missed on payment. I will have paid this back by the end of this year (if not earlier) which will make me Debt…
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Won my case against Halifax.
Just wanted to let people know that I won my case against Halifax. The decision was taken by the FOS and they said "my complaint should suceed". Hoped this may help someone... Here is why; Because a payment arrangement had been put in place. The credit file had been updated with "arrangement", later during the arrangement…
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water debt
I am on a DMP for most of my debts and managing well but i am really worried about my water bill , i havent paid for ages and because they didnt contact me for ages a debt has now built up . I did rang them a while back and they re set my payment plan back up but they said i had to pay £148 per month they set it over 12…
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Capital One acceptance letter ?
Hi after sending numerous settlment offers to cap one they have now sent a letter accepting ! On reading it it sounds ok but they do not use the words "full and final" If anyone could read through the letter for me and give me their opinions as i really don't trust carp one as they have been a pain all the way!! Dear xxxxx…
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Studying Whilst on a DMP
Hello Probably a crazy question but I am about to embark on a DMP with CCCS - I want to do my 1 year teacher training and wondered how it would work if I did it both together. I assume if I saved an amount of my student loan and divided it out between the months - would that be ok or is it absolutely ridiculous?!…
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Welcome Finance - do i have a case for complaint ?
Hi All, quick run down on the background first. took out a Welcome Finance loan for 15k, secured on the house. struggled to pay, was told by local office that we could have a payment holiday and pay the extra few months we missed at the end of the term. 2 yrs later was contacted by head office as we were seriously behind…
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Friday 20th July - 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. 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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Admitting I can now pay
Hi all, I'm not sure what to do about this, if anyone can help it'd really be appreciated. Barclaycard froze my interest and charges as I wasn't able to pay anything for a few months, from next month I should be in a position where I can afford the payments and interest however I'm not sure what to do about telling them.…
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capquest
Hi guys Not sure I this is in the correct place of not sorry Got home from work today to open a letter from a company Called capquest telling me I owe them £274 on behalf of T-mobile now I do have a phone contract but all bills are up To date and don't owe a penny. Is this just a company trying to Pull a fast one ? Cheers…
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letter from mortgage Solicitors
I have today recieved a letter from a firm of solicitors offering too accept £256.77 on behalf of there clients a building society , who stated that i owed £20,523.97 from the sale of a property which i voluntarily handed the keys back too which I had a mortgage on . The property was sold privately buy them to a builder at…
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Bank of Dave, channel 4 now...
"Good" credit.....if there is such a thing? Only been on 10 mins, looks good.
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credit file, what does it hold?
can anybody tell me what your credit file holds will it contain all my debts? will it include the date the last payment was recieved on the debt? will it include any defauts if i have any reason im asking is ive not checked it for about 5 years so cant remember what it includes, most of my debts i think will now be statue…
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Best Way to clear my debt
Below is what I have been paying for the past 3 months, I now work part time. Should I save and pay 70% in a lump sum, how long would it take to remove of my credit file I have had the debt for about 5 years and only recently started paying because I had to to keep my job. Jobseekers Allowance: £260 Total Income £260…
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Full and Final Settlements
Hi everyone. I have not been on here to ask for help in a long while but always looked in. I have had my DMP with CCCS for approx 6 years now and have brought my debt down to just over 12k from 25k. This is my problem now that I hope someone can answer for me: I was made redundant in April and had some money from the…
