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Saved up £500 - Which debt shall I pay???
I've saved up £500 from putting bits aside here and there and I literally cannot decide which debt to pay off so I want the lovely people of the DFW board to give me a hand :) I have a CC with Lloyds that has a balance of £1600 and a credit limit of £2000, paying off £28 a week anyway. (11.9% APR) I have a loan from the…
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Please help re equidebt letter.
I have recently received two letters from Equidebt. The first was a bog standard one searching for me. The second was a debt collection notification. It is for a debt that had been taken on by Aktiv Kapital which they have now sold over. It is over 10 years old (an unfortunate reminder of a past relationship!) and I have…
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Credit report vs credit "score" - inconsistent
Hi Firstly, I'm aware that credit scores from CRAs are meaningless. However, the data shown on my reports seems to be inconsistent with this score regardless (Experian provide an automatic score as part of their monthly package, as do Call Credit) For example, Experian show my score currently as 495, yet everything visible…
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A question about 'Notice of Assignment'
Hello All ... I'm new, and so I hope I'm posting in the correct place! I have been gradually paying off a debt since 2001 ... it started off as a NatWest credit card debt: so I was originally paying agreed instalments to the Bank ... then they sold the debt on to a DCA called Intrum Justitia, so I was paying them. However,…
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Quick question
Firstly hello, my first post. I had a debt management plan set up for quite a few years with 4 debts. This year I finally have a permanant job, so I decided to pack in the DMP and deal with the debt myself. Saving myself £35.50 I think I was paying them! Barclay Card - paid off! Clode Retail finance - Paid off! All on my…
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**August 2012 - Make £10 a day challenge **
:hello: Hello to all newbies and regulars. Welcome to the August Make £10 a day Challenge of 2012. This challenge first started in September 2007, so this will be the 60th month that this challenge has been going . So thanks to Batgirl for starting it and SweetPeas, Nat21luv, Monkeynut, Purpleroses, JesaRose and MizMir,…
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And another one down..hey! another debt bites the dust
:D Holy hell! Just checked my bank and tax credits has gone in, i under estimated dh earnings by about 5k last year (they suddenly stopped bonus) and we have no savings at all now. Lets just say i can now wipe off almost 1 bigger debt lord knows how many months, i feel extreamly sick and shakey, i really really hope its…
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Picking myself up
So I had a lightbulb moment earlier this week when a bailiff turned up while my DH was at work. He was a sneaky !!!!!! and just said the name of the company he was from, I didn't think to ask what type of company before letting him in as I had just been dealing with DS epic tantrum (seriously surprised the neighbours…
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paying off your overdraft...
Hi folks, i have a £3,000 overdraft that ive beeen in for over 3 years now and have no sign of getting out of anytime soon. I have considered a loan to pay it off but a friend of mine reccomended getting a credit card i can draw cash on that is 0% for so many months. Does such a credit card exist? Is it allowed to draw…
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Telemessage
DH and I have spent the last few days attempting to sort out our debts having taken the "ostrich" approach for the last few years. We have a letter that says Telemessage at the top, what I assume is a reference number and the following: "The above account remains unpaid. Please call xxx between 8am and 8pm Monday to Friday…
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Back again...
Ok so i was here about a year and half ago, as i was struggling with £16k debt back then, since then i inherited £10k and paid off some debt but now it is creeping back up again and i need help! I've spent the past month trying to be as frugal as i can and i am quite proud of myself actually for doing it. My previous SOA…
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Weekly Spend Challenge W/C 29th July 2012
Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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agreement request letter
sent letter asking for copy of agreement with creditors ie barclays plus £1 postal order to Wescot credit services last week. Just recieved this back yesterday. We refer to yourt recent letter requesting a copy of th credit aggreement for the above account, pursuant to the Consumer Credit Act. We are not the creditor for…
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The Awesome August NSD Challenge
Welcome to the August 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 out there at the moment. We are seriously committed to saving money, but nobody said it can't be done with a smile on your face - so we organise…
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Debt Craziness - Really Worried :(
Hi there, I would love to hear any advice anyone could give for my situation. It's a bit weird, but I will try and make it as understandable as possible. I'm an 18 year old, I have a good professional job I have been doing for 6 years in IT (don't ask, young starter.) I left my job earning 18k to start my own business,…
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Impatient - Please talk sense to me!!
I need you lovely people to talk some sense into me. We are almost debt free (1 card remaining on 0% interest until next summer paying off monthly) and we are now looking to do some home improvements. The home improvements are not urgently required (knocking 2 rooms in to 1) and I have worked out if we are strict we can…
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bryan carter solicitors ccj claim form HELP PLEASE
I got a letter today from northampton county court claim form amount 288.00 court fee 15.00 solicitors costs 50.00 total amount 353.00 requested by bryan carter solicitors llp this is all regarding an origanal dept from great universal i already have a default for this dept which is due to drop of my credit file in april…
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CCJ Removal from 2009
Hi, I'm in need of a bit of advice. Long story but in a nut shell I was issued with a CCJ, and I want to get it removed but have no idea where to start. The long version: In 2009, I had a credit card that I used for some small bills and had a debt of £200. That month, my girlfriend at the time was pregnant but…
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Debt recovery from employer
Right so heres whats happened, I was a team leader in work, then in Feb 2010 I was accussed of doing something against company policy, I was then put under disciplinary investigation for over a year ending in may 2011, the judgement was that I was found guilty and so reduced in position to team member, my employer as back…
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Freedom Finance ?
Hello, I always thought freedom finance were a loan company - but are they also debt collectors? They rang out the blue for OH this afternoon. He wasn't in. During a rather heated (!) debate they let slip he hasn't had a loan directly with them but they say they have paperwork relating to some loan with someone else from…
