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Closing my vanquis credit card
Hi, I have paid off my vanquis credit card and want to close my account with them. Is that something that I can do as they are quite a pain to deal with.
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credit card debt
Hi me and my husband have 4 four credit cards between us, two with capital one and the other 2 with Vanquis. The vanquis card balances are huge for us, and we paying £400 a month just for credit cards. Its mainly due to the vanquis cards stamping more and more interest on each month, because of the balance. I was wondering…
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How do I work out percentage please
Hi all and apologies for being rubbish at maths. Please could someone explain how I work out the percentage of a debt paid. I want chip away at my debts one at a time and would like to do it in percentage paid Thank you
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Information for The Money Shop, Payday UK, Payday Express and Ladder Loans customers
Information for The Money Shop, Payday UK, Payday Express and Ladder Loans customers about its redress scheme
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Monday 26th October - 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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SOA - worried - please help before the SHTF?
Hi Everyone, Today I added up the totals in my spending diary (Jan - July) to do an SOA. I was confident there would be money to spare that I could use to OP my mortgage and feeling really excited and positive about what I'd find. I was shocked, panicked and gutted to find that I'm actually spending over £600 a month more…
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f&f settlement
hi not sure what to write but here goes. i had a loan in 2011 i have not paid anything since july 2012 i still owe just over £4000 i haven't heard off them in a long time either. i have heard about a full and final settlement where i could pay a lump sum to get it cleared my sister has offered to help me but only if it…
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DMP Help
Hi :) I've come to the realisation I need to tackle my debt sensibly, however I'm slightly confused. I put my debt details in on the StepChange website, and it recommended a DMP. But based on my details, it talked about paying £300 a month to pay my debt off in a few years. The thing is, I'm already paying £200 a month now…
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new and crying
i am facing up to y debts today - they are 9000. i do not have enough from my wages at the end of the month for food, i am going in more debt to eat, my question is how do i start to tackle this, i have opened a new bank account to get my wages paid into, ( my current bank takes alot of it for a loan), do i default on my…
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BC account number
Probably a silly question :/ Is my barclaycard account number the long number on my card? I need to write down th details for all my creditors......I'm staring at my online statements and can't seem to find anything that would mean it was my account number. Thing is I cut my card up and now can't find that number as the…
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Cleaning up credit record
Hi I have a question on credit records and how long it takes for them become cleaner after a DMP. I started a DMP in Oct 2010 and completed it with a full and final settlement offer in Jan 2012. This was because I was given a gift of money that I used to make a settlement offer to my creditors and bought my DMP end date…
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I need some help/ advice
Ok... My partner & I worked together, we are both unhappy as we are working our butts off. Not getting paid overtime, not having time for a break. We have both been working at least 50hrs p/w. The last 2 weeks he has been on night shift with no night shift allowance. I have been doing mon & tues dayshift, weds & thurs…
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I'm on a DMP and have 3 payday loans
Hi All, I really really help some advice. I am on DMP with step change and have been for the past 2 years. This month I have taken 3 100 pay day loans. I'm really worried as I don't know what to do. I can use my salary to repay but then I'm caught in a payday loan cycle. I really don't know what to do
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Vodafone has searched my credit file three times this year!
Hi I was wondering if anybody can help. I went to check my credit file this morning via Noddle and was concerned to note that Vodafone have done three searches on my credit file this year. It's making me feel a bit paranoid to be honest especially because the reason for the search states is for anti ML purposes!! What is…
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Sat/Sun 24th/25th Oct - 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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can't access credit report
Hi all, I've decided I needed to see my credit report as I need to start getting my life back on track. I first applied via noodle as they are free, however after going through the verification process they said one of the answers I provided were incorrect (I'm fairly sure it wasn't but they currently aren't open for me to…
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Avoiding the Congestion Charge PCN
So I received a PCN for not paying the congestion charge in August (I wont go into the details of why it wasn't paid, we'll be here all day). I appealed it, because I simply can't afford an extortionate £65 fine without having to scrape through the month. 2 weeks later, they rejected it, so I called them and explained my…
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How did it happen?
How did I become one of those women who knows nothing about the family finances? I used to work, and we had a joint account to pay all the bills from, most of which were in my name until we moved house 10 years ago. Now I can't go out to work (can't leave the house at all more often than not due to anxiety issues) and have…
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What to do for the best
Although I realised a couple of weeks back that I now have to do something about my debts I keep going backwards and forwards about whether to do a DMP or go bankrupt. I filled out the advice form with stepchange and the first option given was bankruptcy and the second a DMP which would last a long time (over 10 years)…
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RBS Default
Hi Sorry if this has been answered before but i couldn't find the answer i was looking for. I have a default on my credit score from my student RBS bank account. All of £409 which i eventually paid off through a collection agency. I was under the impression that once paid off i could get the default removed seeing as i had…
