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Credit searches and charity accounts
Good evening, Im not sure if I'm posting in the right place but I'm new to the forums here and looking for advice. I have been asked to be a signatory on a charity account and I don't know if I'll be credit searched. The account is an existing and established account (not a new charity account) with a healthy balance. The…
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debt is ruining my marriage!
I am hoping someone will give me advice as to where to start dealing with my debt please...... My and OH early thirties and have two children 13 and 9. Husband used to have good job £40,000 year and company car. I stayed at home with kids......happy times!!! We bought our first family home for £52,000 in 2000 and sold it…
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LRC Recoveries Problem
Hi all, wonder if anyone can help, my partner owes a previous employer (which I dispute but can not prove) over £300, and I am trying to arrange a payment plan with them, £10 per month. However as I handle the finances in this house hold I want to set up a direct debit and have requested forms to be sent out to my address…
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Offers to DCA's
Hi all, long time reader, first time poster. I am approaching 30, and have realised I need to move out from home soon, so decided to see what damage I did to my credt record in the past, and had a look at all three of my credit records, to confirm who I owe what, how long ago etc. My aim is to improve my record over the…
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Barclays mistake has affected my credit rating!! Please help :(
Hi all. I am new here, but thought this might be a good place to seek advice and support. My pay date recently moved from the 15th of the month to the last day of the month. I went into Barclays to see a personal advisor and she, I thought, successfully changed the date of my loan from 27th to the 1st. 4-5 days difference.…
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Cabot financial
I have cabot financial chasing me for a debt they claim I owe, I honestly do not think the debt is mine, after advice on here I sent a 'prove it' letter along with the £1 postal order and 12 days to reply - over a month later I get a letter back stating I dont have to see the assignment letter that this is between Cabot…
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BalooBear - Debt Free Wanabee! Please Help
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 1400 Partners monthly income after tax....... 0…
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Locating my creditors and making full & final settlement offer.
I think I have debts of around £18,000 but these were last dealt with in any meaningful way back in 2005 when I had the involvement of an independant debt charity. At that time minimum payments were established with some of my creditors (debt collection agencies) by standing order and that these are current. Other…
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what my budget does for me
i have been working to a budget over the last 2 months and its working very well for me so it seems complicated but would be interested in hearing how you work it. I opened accounts with Halifax online and i have one major account and the rest are smaller websavers. My dds come out on the first of the month. after that, my…
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Default
Is there a minimum you can you be defaulted on? A year ago I feel behind with catalogue payments, my fault and mine alone. However I made a £280.00 payment, leaving £14.00 on the account, and that month was defaulted for £14.00, thanks very much Express Gifts Ltd. This was a year ago, I have 5 years left with a teeny tiny…
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Do Britons feel rich or poor?
h**p://w*w.guardian.co.uk/money/2012/sep/14/do-britons-feel-rich-poor Replace ** with tt, and * with w, can't post link as new user. Thought this was an interesting read.
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increasing credit score
I am rebuilding my credit following bankruptcy, i managed to get a vanquis credit card, and kept paying it off, they have now increased my limit to 1500 and an outstanding balance of 300 (which will be cleared next payday) I have just applied for and been succesful in a "luma" card and a barclaycard. Purely to show some…
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No one will help!
I must start by saying that I'm not after sympathy, I just need guidance/help. I used to work for a main high street bank so I know how finances are supposed to work. I got married at a young age (foolish) & had a gorgeous 3 bed detached house. My husband never wanted for anything & before I knew it we were £37k in debt &…
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gauruator's duties?
Hi, I am the gauruantor on a relatives Amigo loan which they are struggling with. They want to go with a Cccs debt management scheme [debt settlement] to reduce payments and get out of debt quicker. Will this affect my own credit rating, and will Amigo have any comeback on me? Will I end up paying anything as gaurauntor?…
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Someone please point me in the right direction :(
Hi, I had student account with Santander years ago and an overdraft of £1600 roughly. I stopped paying it back and they registered a default on my account in 2010. They then sold the debt to another company and I have recieved nothing in the post regarding the money I owe from this debt collecting company. I have…
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I'm dragging us down :(
When I met my OH he had a DMP in place and was upfront with me about his debts from the start. The DMP finished last year, and his only default is due to drop off in the next few months. We've talked about buying a house, but his adverse credit has always been in the way, now he's all paid off, and the final black mark is…
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Default removal
Hi, Just a question about attempting to getting defaults removed. I was attempting to have a default removed for an account which was passed to a debt collection agency some time ago and is now marked as settled. I sent off letters quoting section 77 of the consumer credit act and requesting information. I recently…
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Default help!
I have recently ordered the three main credit reports for both me and my husband. My husbands is showing a black horse loan which he stopped paying in july 2007 due to losing his job. It shows as BB on Noddle and 6 missed payments on Equifax. He also has a loan from welcome which he stopped paying early 2009, again they…
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Weekly Spend Challenge W/C 16th September 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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RBS now refused already agreeded settlement - any advice
Hi guys Really hoping for some advice over this as feel sick to my stomach, i thought the nightmare was over :( I owed RBS £10k for the past 5-6 yrs (2 overdrafts and 1 unenforceable loan ) after numerous letters offering settlements they finally agreed to accept £5100 over the phone (after speaking to a supervisor) they…
