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Advice regarding adverse credit
Hi I posted last week regarding my partner trying to lease a car. He gets a car allowance through his job and wants to take up a 24 month lease. The lease company have said that he needs to have a 'good' experian rating. This is ok as his rating is only a couple of point behind this and increases every month. He is happy…
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Weds 13 jan 2016. What small dfw stuff 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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Disputed gym bill, what can I do?
At freshers I was offered a free 7 day trial with no obligation to continue but asked for my name address and bank details (yes that was iffy) I gave them but signed nothing and was told I would be contacted about the trial, when I didn't hear a week later I rang and said I had no plans to join since they were too busy to…
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paying off old debts now my circumstances have changed
Hi, When I was a student I got into quite a bit of debt, when I left University I got a job that didn't pay very well and got into more debt. At its worst, I had 5 credit cards and about 16k of debt. I also had a few payday loans to get me through the months. In the last 3 years I have managed get a much better job and I…
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5k of CCJ's and 3k in my Pocket - what would you do?
Ok, I have 5k CCJs spread over 4 CJJS, I am doing my best to clear my credit status as much as possible and may soon be getting 3k cash. I really would love to clear as much as I can and was wondering the best way to go about it. I was wondering: Can I make a partial offer to clear the balance and to make as satisfied on…
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Sorting out my credit history
Hi all, Long time on off reader, first time poster here. Please forgive me if im in the wrong place. So, a long story short, I have decided its time to sort out my finances and clear up my debits. Over the years I had got myself in to a spiral of debts and not paying them back. Fully my own fault, but there was a reason…
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Debts disappeared off Noddle and Experian reports
My husband has 2 old debts, one with Moorcroft one with Wescot - up until December they were showing on his noddle report, adding a new default each month. Then they disappeared, so I ordered a £2 statutory report from Experian and they aren't on there either. Last time I did an Experian report (18 months ago) they were on…
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Shopping Addiction
Hi everyone, I am new this to forum and am looking for some advice. I am a self diagnosed shopping addict, especially in relation to clothing. I am influenced mainly by social media. I wish I could just put down my phone and not look at Instagram etc. but its something I find quite theapuetic and relaxing. However, the…
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Northampton Bulk and Lovells
Not sure if this is the right forum, am looking for some help please . My son received his claim form from Northampton Court yesterday re a debt to Orange, ( sold to Lovells now gone to their solicitor ) The paperwork all all previous correspondence has his surname mis-spelt and Lovells have ignored any previous letter to…
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Tuesday 12th Jan - 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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Savings to pay off debts
I feel very silly posting this when I have seen some of the debts that others have here and deep down I guess I know the answer to my own questions. Basically I owe about £1000 on a credit card, which has floated around this amount for over a year with just the minimum payment being made, this time last year I also owed a…
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What is my best choice? Tax rebate money
I have found out today that I'm due a small tax rebate and am now wondering what the best option is! It is only small, less than £200 but I have 3 options in my head! 1...request an F and F for my littlest CC which would equate to a 40% pay off 2... Put it towards getting my woodburner fitted. I have saved some for this…
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Debt Advice - Worried Student
Hi All, I’m a final year medical student looking for some advice as I’m struggling with debt I’m not sure where best to go to first. Unfortunately I’m repeating the year – the plan was to graduate and be in a place to service these debts but that didn’t go to plan. I should graduate this summer and start job in August as…
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In some serious need of advice..
Hi Guys I've been lurking on this site over the last few days and have decided it's time to tackle my debts. I have gotten into a position that i can't see a way out of with me not having enough to pay the minimum's and a lot of my debts are overdue with no payments. It's hard to get this all out so i will try and list…
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Home insurance advice
I don't know if this is the right forum, please move it if it isn't. I have home insurance with Santadare and I pay £15 a month for it, have had a letter saying it's going up by £1 in February. Can you tell me if I'm paying too much, or should I check for a better deal? I'm not sure how to do this because of my learning…
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Robinson Way
Hi, I wonder if you can help me as I'm panicking slightly! I have today received an order from the high court (chancery division) substituting RW for MDKP on mine & multiple other matters ( no actual court reference numbers though). Do this mean my debt (CCJ) has now been transferred to the High Court?
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Debt - what to pay off first?
Hello can anyone help? I'm in a position to start paying off my debt ( rather than just minimum payments) can anyOne advise if there's one I should be paying off quicker? I have £650 per month to cover these debts. £3600 arranged overdraft Natwest - paying about £60 per month in charges £4600 credit card Natwest - minimum…
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Advice please worried mum
Hi I signed up today in hope that someone on here may be able to offer advice. I am a mother of two, who recently has gone from becoming a lone parent to moving in with a partner. My children are 3 years and 6 months. I work full time bringing home £1800 after tax a month. My debts cost me £700 a month. My rent, bills and…
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Gambling Addiction - Help
Hello there, my current situation is that I have been struggling with a gambling addiction for the past two years. I am a student (final year at University) and all gambling has brought me is heartache, ruined relationships, and increased difficulties with studies. My current situation is: Santander: -£1500 overdraft I…
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debt and mortgage issues
i need to bore you with some history first. me and my wife are both 47 years old. we have a property worth £320k with £115k interest only mortgage on it which finishes in 6 years. we also have debts(mainly credit cards) of about 100k. at the moment everything is up to date never missed a payment but i have had to live on…
