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Barclay Card Platinum - Cash Advance? 0%?
Hey All :) I went through a tough time at the start of the year and I got almost into the payday loan loop. I owe right now 360 pound. But the trouble is that 180 of that is basically interest, and I always need to borrow 80 pound at the end of the month. I recently got refused by everyone and everything for credit. But…
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New Member- Help with snowball calculator
Hello, I've been a silent reader for a few weeks and finally decided to post. Can I say thanks to everyone of you and how comforting it is to know that help is available and I am not on my own. I would need a bit of advise re: snowballing. I got debts worth £14K spread out on 5 credit cards. I have managed to get all of…
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Recent LBM Advice please.
Hello All, As like alot of people I have been watching this site for awhile. I have now decided to post my SOA and see what you think I can do to improve matters. Short history: O/H has been very unwell for the past year (hospital,coma,itu). How doing well, at home but not back as work and has no job to go back to. No…
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FLM Quick loans
Hi all, First post of MSE so hope i'm posting this in the right place.. I took out a £500 loan with FLM Quick in Decemeber last year. At that time it looked like one of the best options for someone with bad credit for a small loan as the interest didn't seem too extortionate compared to other deals I was offered (I would…
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Marsdens Bailiffs
I need advice. Got back from a week away to a letter from Marsdens Bailiffs on Saturday dated 21st August. Never had communication with them before, yet they say they have a Magistrates Court Order for HMCTS (O) for unpaid fine. They have given me 7 days to make full payment of 825.84 but dont give details of what its…
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First time SOA, open to any suggestions
I foudn this webpage not that long ago and it coinsided with my LBM. I had a visicous cycle of online gambling that got our family in to loads of debt and PDL situation. Thank God, I was able to brake the cycle confess everything to my OH and people it mattered too. I will explain the below in fe details before anyone…
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Monday 27th August - What small DFW things will you be doing 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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Debt Advice
Hi guys, This is my story, I am 26 engaged and have a 1 year old son, I have visited here a few times to get some information regarding debts, I have over the past year been working abroad in papua new guinea working a painstaking 10 weeks on 2 weeks rotation. I am coming to to the time in my life where I really need to…
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Really Needing help
Ok I know where I am and dont blame anyone else, so im hoping to appeal to those that can help. Currently caught in a payday loan spiral and today im tryiong to take back control. How I got here, apart from being an idiot and trying to keep a long distance relationship going. Im very clear its all my fault. I will pay back…
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help needed with pdl company
Hello can anyone please help me i took out a pdl to pay some other debts that i had then i took another pdl to pay the last one i ended up with 3 payday loans and other debts as well which i knew was getting on top of me so i sought advice and took out a dmp before the debts went into default or arrears when i started the…
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Letter to send to creditors
Apologies if this is in the wrong place took me forever to remember my sign on and been well over 2 years since I came - apologies life has been more than hectic if anyone remembers me. Anyway less waffle, I have been on my own DMP for donkeys years. I have an account that two debt collection agencies chased me for, so I…
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Are there any bank accounts with free overdraft up to £300
Hi basically I have an overdraft with Halifax/Bank of Scotland. My overdraft it £400 but I've got it down to £300 so that I'm no longer paying a pound a day just the Ultimate Reward Account £15 a month. My overdraft account is a different account to what I use it is used purely for the overdraft so I am basically just…
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6 year old CCJ from MBNA SRJ debt recoveries
hi there i came across this website and was hoping to get some advice, i have this problem that has been coming back to haunt me every now and then for over 8 years, i will try to keep this as short as possible. but need to tell you the whole story, i will tell everything in the order it happened in from what i can…
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Identity fraud
Hello Guy's Unfortunately I am a victim of identity fraud :( basically over a number of years someone is using my details to apply for loans, open catalogue accounts and the like. I have always been able to cancel these attempts of fraud by ringing the said company direct. However on Friday I received a letter from an…
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Credit record advice needed!
First ever post so apologies if I've done this wrong! I have tried searching the forums but have been unable to find anything that matches the particulars of my problem - so here goes. I have just checked my credit file for the first time in a number of years and have an account listed as default on my experian file. The…
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Debt Question / Advice request
Hey all, I have several debts with different companies at the moment, adding to just short of £6k. would you recommend I offer each one a monthly payment, and when the lowest is paid, bump it to the next lowest and so forth, or would you recommend a DMP? Thank you in advance
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how long?
one of my credit cards (mint) is due to be cleared in next couple of months and i was just wondering: how long will it take to show on my credit file as cleared will this increase my credit rating at all
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Cancel C/C
Hi All, Have also posted this on c/c forum. Paying off my c/c at moment but struggling to make ends meet. A couple have very high interest and wondered if I got in touch and explained I will probably default in next couple of months and see if they will freeze interest if I cancel my cards. Is this possible or will I have…
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Thank you, thank you, thank you!
Hi, Well, the title says it all really, but I wanted to share my success with you all and say a huge thank you to everyone on these boards! I've been lurking for about 5 years (gulp!), and have recently cleared all my debts :T (nearly 10k in total)! I've always been rubbish with money, and my main debt was one massive…
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Default compensation
I recently complained to the nationwide about a default notice that had been placed on my credit file in 2008. My reason for the complaint was that they had not given me the correct amount of time to respond to the default notice (eg 14 clear days). They wrote back upholding my complaint and are now removing the default…
