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Newbie help!!!! Wanting to know best solution for new debt
Hi, Have been looking for other posts but thought i better go ahead and post myself. I have an overdraft of £2500 with Halifax that i use every month. I have just received a summons to pay £1500 past council tax bill. I really want to do this to avoid going to court etc. How would someone deal with this? I get paid…
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Joint account - Will we be financially linked
Hi all, I'm not sure I am writng this is the correct forum but would appreciate any comments. I have a good credit rating with no history of debts. My partner unfortunately has a very poor credit rating and some debts she is working hard to clear :) We have just moved into her flat which she was previoulsy renting out and…
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Day 1
I have just sat down and opened all my post, I owe the following - Capital One - £144.09 (Capquest) Payday UK - £112.50 (Equidebt) Halifax (charges) - £355.00 (Robinson Way) Topshop card - £234.72 (up to date) Halifax CC - £3390.16 (Capquest) Lending Stream - £279.50 (up to date) QuickQuid - £194.25 (up to date) So the…
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Being chased for an unknown debt, what can I do?
We've have returned from holiday to find a letter in the post from 1st Credit, who i've never heard of before, saying they are going to consider bankruptcy proceedings against us for a debt of £3103, we have no idea what this is for? Is there a standard letter on here anywhere which I can use to send to them to ask for the…
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Tuesday 28th August - 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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speed credit
as anyone had dealings with this company if so did you manage to resolve your debt with them ? did they freeze interest rates ? i am still having problems with them any advice on ways best to deal with this company would be appreciated
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quick query re: noddle
why would noddle show two defaults on my credit file, both apparently from 2011, when experian and equifax show neither? there is also a CCJ from 2009 which i have no recollection of ever receiving never mind paying but that also does not show on experian and equifax? i have the number of the court judgement, is there a…
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Mortgage and paying debt off
We currently live in a property worth £95k and have £63K on mortgage, but unfortunately owe £17K in unsecured debts. We would like to move house and have seen properties in the £50K price range, pay off the £17K unsecured debts and pay the remaining monies towards the mortgage. Would this be possible and can we use our…
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Parents scammed on holiday? Need advice!
Hi My parents just come back from holiday to Benidorm, Spain. A sales rep approached them on the street first by explaining how she was conducting a survey and how their holiday was going etc. Eventually, the rep offers my parents a free wine voucher as well as an envelope with a chance to win a free holiday (and it was a…
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Money taken from my bank account
Hi, I am new here, so hope somebody can shed some light on a query. I logged into my internet banking yesterday and was £500 adrift. I rang the bank (Lloyds TSB) and they have basically said that there was a debit card transaction that went through on 24 August for £500, I said that I had not authorised a payment of that…
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Help with PDL company- MiniCredit
I am aware that MiniCredit are reknowned for being unhelpful and ruthless but did not realise exactly how much until I tried dealing with them myself! All my other creditors have accepted the settlement offers I have made and the rest are at least trying to negotiate with me however MiniCredit are proving to be an absolute…
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Equifax Credit Report
I have just purchased my credit report along with my credit score as I am on a journey to restore my poor credit file so that I can eventually get a mortgage and buy a house. My credit score is currently 198 (very poor!) however the report seems to have only based this on several of my creditors, mainly the big named…
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LBM for Newbie
Just had my LBM so maximising the opportunity to do something about it by joing MSE Any tips, support and just all round friendliness would be appreciated! :o
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on my journey to get defaults removed.. help?
hi, i got defaulted this year, and would just like to get these removed i will not stand for it.. I'm ready to start legal proceedings if I have to. This wasn't my fault as they cancelled the direct debt - sent me a letter far too late and then defaulted me.. has anyone got a template which i can do with them?
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Halfway there!
Hi all I have only made a couple of posts on this forum, but I have been a member for a couple of years and always check in most weeks to have a look. I find it quite therapeutic when I am a little concerned about how my 'debt issue' is going. Firstly the link above outlines where I was in July 2010. Around £11500 in debt…
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Taking The Bull By The Horns
Ok, I've buried my head in the sand for long enough, ignored letters for too long...I've decided to take control of my debt and increase my credit score (Which at the minute is "Don't touch with a bargepole"). I wanted to view my credit report so that when I do start paying people off I can see it rise and get more of a…
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Negotiating with PDL companies
Hi guys, I'm a new user and have created an account after trawling through the Forums and getting lots of really helpful information on getting out of debt.. So much so that I feel a lot more confident that I can and WILL eventually get out of debt if I handle it in the right way so thank you all for your input and…
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Credit File Help
Hi I am due to move in with my partner but I am looking for some advice regarding my credit file. At present I have a credit rating of poor and I am working on getting it improved. My partner has an excellent credit rating and I am worried that I may affect this once registered at his address. I am planning on having my…
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Coming off a deb management program
Hi All I would very much appreciate any advice that can be offered as I am considering coming off a debt management program as I want to move house in a couple of years and improve my credit rating. I have been on a debt management program with Gregory Pennington for about 3 years now and also switched my bank account to…
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great news about dealing with wonga!!
hi all, im kind of new on here, and i posted in the wrong forum about dealing with wonga, but i have fantastic news! Basically, i got my self into a really bad situation with payday loans, my income per month is £1312 and i was having to pay back wonga on average £900, leaving me with £400 for food cigarettes and other…
