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Pay extra on mortgage or extra to debt?
Hi everyone, The title probably looks like a no brainier but wanted to seek your advice! I've managed to land myself my dream job- not only more £££ but better hours too! I keep thinking they will discover I am actually incompetent and sack me but that's a whole other anxiety related issue! :D My new job nets us an extra…
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tax bill - what can I do?
Hi folks, I have been hit with a 6k tax bill. I won't go into details but basically I cant afford to pay it in one year. It will hit my take home pay by £600 per month based on the tax code they have sent me. I am already in a lot of debt which I am working on repaying (30k) Do you think that they will let me spread it…
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Car Leasing on DMP - Advice please
For the last 3years i have been driving a new car via a salary sacrifice work scheme. I have just been offered a new job with a different company which means i will have to look for a new car. I am currently halfway through a DMP with StepChange. Is car leasing possible whilst on a DMP? anyone had a similar experience or…
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Barclaycard just gave me £20 to not close my account
I just called Barclaycard to close my account down, already pretty annoyed because my direct debit somehow left a balance of 14p on there. That balance makes it impossible to close the account until it's paid. Anyway, they waived the 14p then put £20 on my account in exchange for me not closing it. Absolutely shameless!…
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Statute Barred Debt Scotland
Hi there, looking for some advice please. I had a student overdraft of around £3000 which I defaulted on in December 2010. It was passed on to a debt collections agency and they have been sending letters and phoning since then. I really want to sort out my credit rating and was worried about court action just as this…
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Please help - student finance overpayment demand
Hi all, I really need advice on this situation. I graduated from university in 2012. Since then I have heard absolutely nothing from Student Finance other than my yearly loan statement. Today I received a letter - 4 years later! which states that I owe £1500 in overpayment of grants. I can't figure out why this is, and…
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PPI query
Hi all It's me again:o I am fairly confident we have never had PPI on any loans or cards. However, we recently got a letter from the AI scheme and it told me we had some sort of card protection cover and I completed it (using the wording from MSE) and we got some money back (nothing major but between the 2 cheques that…
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Enforcement Notice
This is the first time I've been on here and I'm hoping for some advice 'cause if what I've just seen/heard isn't wrong then this country is hideous. A good friend of mine is a single mum to four children whos father left her and them and hasn't been paying a penny for the last 8 months. Four children under 13 and she's…
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Unsure on action
Hi all, Found this forum looking for some general advice as the Internet seems to offer every answer as advice. In 2002 I went to university after already having worked for a few years. I had a decent credit rating, several credit cards that I kept at 0, overdraft etc. By the time I finished in 2006 I hadn't missed…
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Ppi and dmp advice
On a dmp, hopefully the last 3 years of it. It's been a slog determined to pay it all off. However, i know that we had Ppi's on most of our debts. Can we claim for them and ask for the money to be taken off our debt. Or do we have to clear our debt and then try and claim? Obviously, if i can further reduce our debt that's…
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Advice
Can anyone help the bank have allowed my 18 year old son who only earns 400.00 per month and studies the rest of the time a 5000.00, O/D with extortionate rates do they not have a financial obligation to not allow this????
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Need advice re decree
Hey folks, I'm needing some advice regarding what I should do here. I have very recently (very end of January) had a decree (I'm in Scotland) registered against myself. The amount was £300-odd. I am unemployed however do have a couple of hundred saved up. I do also have a CC with a small limit (£200) for emergencies. The…
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Can someone’s personal details be searched using their name+NI number?
Hello all, Is it possible to search credit score, CCJ and any (any at all) details of a person using his/her National Insurance Number or name + national insurance number? Many Thanks
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Searching for CCJ: what goes in the House name field?
Hello all, When searching for CCJ using name and address, in terms of address, the search asks for house name along with house number, both being compulsory fields. What is house name? What goes in the house name field if the house has no name? Most houses don’t have a name, do they? Entering house number in house number…
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Loan gurantor
Hello I am not sure if this is the right place to post but I am hoping for some help. My mum agreed to be a gurantor for my sister in law but now she is not paying the debt and my mum is being chased for it. My question is should she of been allowed to be a garuantor in the first place. She is retired with no income and…
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Barclaycard Contact Details
Hi Does anyone have a contact email for Barclaycard? I can't use the online service and I have tried searched this site and the internet. I have also tried messaging them on Facebook. Preferably I would like the email for the complaints department but any way to contact them by email would be great. Many thanks Maddie
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Sick with worry
Okay...deep breath!! I feel absolutely sick with worry and have not been sleeping. My health is starting to suffer quite badly. I don't even know my total debt but I do know I owe one credit card £8k and I've got another three. I've got my head in the sand to be honest. This isn't my first time of being in debt and I got…
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I Need Help Please - I don't know where to start
I have just found out that my hours are being cut at work, which will mean a significant drop in income (will be losing £1,500 a month). I have debts amounting to around £26,000 which I now can't pay. OH can cover most of the household bills, but I need to pay a bit towards them. And I have 3 kids to support. How am I…
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Credit Rating Improvement
How long does it take to go from really bad credit score of say under 100 back to 750+? Is making weekly payments to your loan or credit card, mortgage improve your credit rating more than monthly payments?
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Getting
Thread Title Should Have Been "Getting Sorted" Oop Hi guys, Hoping to get some help. After a life of reckless spending I was diagnosed a couple of months ago with adult ADD. The medication has helped enormously and I'm now in control of where I need to be. Over credit cards and overdraft I owe 40K but my credit file is…
