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What to pay 1st?
Hi Guys My parents have finally paid back £400 of what they owed me but I am unsure what to pay off 1st? I have 2 credit cards: Barclaycard - £7000 - 16.9% APR Natwest - £2497 - 20.9% APR I am also due another £300 next month from selling some tickets to a friend. Where do I make the best use of my £400 and £300?
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Bank Account
Just wondering why banks decline bank accounts to people on DMP/IVA etc or who just have a bad credit history? It isn't exactly a credit agreement without an overdraft is it. Anyone know an exact answer? I need a new bank account for rent and bills to go out of. I know I will get one with Barclays as a basic account but I…
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Credit Report Help
Hello I am looking for some advice. I have a bad mark on my credit report which is not my fault and I am wondering if its worth trying to get it sorted or if its a waste of time. About 5 years ago I agreed to add my name to my girlfriend-at-the-time's bank account. However I never actually paid any money in or took any…
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BCW good or bad!
Have just received a letter today from one of my CC stating they have passed my debt to BCW who will contact me shortly Are they good to deal with or not?
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Credit report
Hi, I was wondering if someone could tell me what a Fixed Term Deferred means? It is listed on my credit report but there is no information about the company. I have copied and pasted the info below. Many thanks in advance. Account Type Fixed Term Deferred Account Opened 17 August 2008 Last Updated 11 August 2009 Account…
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old loan (2007) debt advice
hi there, been trying to find exactly what im looking for on google but struggling to properly understand where i stand. on my credit file under 'open accounts' it shows an old loan debt. i had a lot of debt which i had mostly cleared but this one has lingered for a long time. the date of default on the report is december…
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Help needed. BCW
Hello all, So today I received an email from Buchanan Clark and Wells saying that they have previously tried to contact me about some debt I owe. They gave me a reference number and a phone number to call. After a quick look up of who they are I determined that they were a real company and this set me in a bit of a panic.…
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Debt letter - 8 years old!
Hi guys, im new to the forum so please let me know if i am posting this in the wrong forum. I have just received a letter form my university about unpaid tuition/accommodation fees from 8 years ago! I have no recollection of missing nay payments and this is the first i am hearing about it. Before i call them i would like…
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Buchanan Clark & Wells again....
Hi all, 1st time poster but have used some of the great info on here in the past. A couple of months back I received a fishing letter from BCW and ignored it. Then a couple of weeks later I got one of their final demand letters, for a company I'd not heard of. I used the Prove it letter template from here and was pleased…
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Can't help but feel stressed.
I have removed this post for personal reasons.
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Tuesday 21st May - 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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New Poster - Seeking Advice
Hi everybody. I am new to this forum and am just looking for some advice. My current list of debts are as follows: Credit Union - £2,750 (try to pay £100 per month) Loan 1 - £5,800 (paying £198 per month) Loan 2 - £4,000 (paying £278 per month) Credit Card - £1,000 (minimum payment all I can afford) Store Card - £260…
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Help I think Avon have ruined my life !!
Hi wondering if anyone can help!! basically I signed up for Avon a while ago, I returned 2 boxes worth of products to them in feb 2011, they then minuses these off the bill which was fine.. Then in late April 2011 they added the 2 boxes worth of charges back on the bill again! I wrote to them 1st June 11 to dispute this,…
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trying to cut gas costs
Does anyone have any tips on how to use a back boiler more efficiently? I have no room thermostat so its either on or off. It does have a timer though.
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Can you end up inheriting your (adult) childs debt (mobile phone bill)?
Sorry if in wrong forum as there isn't a debt at the moment. I'm asking because my mum is a bit concerned here so wanted to find out for her. Basically my brother lives at home with my mum. He's 20 & he's seeing a girl who's 17 & will be 18 about November time. They've been together 6 months. Now i'm going to go &…
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Budgeting Advice.
Hi. I have a question about budgeting, when on an abnormal payment schedule, although I am sure I can guess the solution. I am a student and my husband is unemployed. This means we get money coming in weekly, fortnightly, 4 weekly and then student loans in Oct/Jan/Apr. Last year was my first year as a full time student…
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Too Many False Dawns
Hi guys, Just thought I would say hi again, I've had a few too many false dawns during my DF journey but I'm proud to say I'm really getting on track now. Just a note thought to say careful when reducing your credit limit on cards...I was proactively doing it to remove any temptation at all to spend on them but what I…
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2 Credit Stat Reports..... 2 very different information
Hi all I am now back to square one..... first I thought I knew what I was doing and now I am no idea So I had my stat report from Experian today and it shows very different information to my Equifax report Equifax 11 defaults Experian 3 Equifax 2 CCJ's Experian 0 How am I meant to clean up my report if I don't know what I…
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Red castle?!
What can anyone tell me about this company? I had a text message from them today. A quick google tells me they are debt recovery but I'd be surprised if any of my debts have been sold off so quickly :eek:
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3 out of 6 creditors wrote to today.....
I have wrote to 3 out of my 6 creditors today asking for a settlement figure, also asking can they freeze the interest. I also enclosed 3x £40.00 cheques with them I feel so much better already :) Thanks for the support everyone
