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Link financial chasing??
I have read on here about a company called Link Financial chasing people for old debts. We have recently settled a debt at an agreed amount which was £900 lower than the amount to be paid back if it continued over the set period. The amount agreed was paid to the company, within the time bracket etc. We called to confirm…
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Should I ditch my credit cards
After taking Martins advice to improve my credit worthiness by using a credit card and paying it off in full each month I now have a mortgage with a good rate and have managed to save an emergency fund. I'd like now to take the tempation away and get rid of it. If I do so, is my credit rating liklely to suffer. This isn't…
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Nearly there, just need a little help.
So before I beging I just want to thank all of the staff and users here, its because of reading your articles and posts that we (Wife & I) are able to be here as well as a good inheritance for capital injection. PS. this will be a long post. In a nut shell through years of bad choices we have acumilated debts, and like to…
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Working hard but still in debt
Hi, I'm almost 30 and drowning in debt. At the age of 19 I took on car finance (at the advice of my father) which absorbed half of my £650 full time wages every month. Since then I've been going through an endless struggle to keep up with debts which have now spiralled out of control. I have an excellent job and am about…
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2017 - Making a big dent in debt!
Hi all, Over the past couple of years (up until November 2016), I had got myself into a but of a mess with debt. I had no money every month, everything I had went either to living (food, bills etc) or I would be borrowing money from my family each month. It didn't help that my ex partner was terrible with money and…
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£1600 to spend on debt - advice sought on which one!
Hi all, I've had a bonus from work (lucky me!) of £1600 (after tax) and I'd really appreciate some advice on which debt(s) to spend it on, because my partner and I disagree on where I should spend it. My current debts : - Credit Card A : Balance £700, limit £1750, APR 34.9% (ouch) - Credit Card B : Balance £1040, limit…
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0% offer ending
Hello, I am coming to the end of a 0% money transfer on my Halifax credit card in about 3 weeks. Already I have a loan and can comfortably afford to make a repayment on both the card and loan monthly. I have never missed a payment. I also have a mortgage which is due for a review. I am in the process of remortgaging,…
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Loan leagalities
Hi all basically at a time when things were bad I and .y previous partner made a decision to take out a consolidation loan which required a guarantor we split up payments were still bring made until I was made homeless and jobless my question is the company have been nothing but horrific threatnjng after allot of…
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Can anybody help me regarding Council tax arrears?
I'm sorry i don't really no what board to post this is let me know if it should be somewhere else. I am a single parent i work 30 hours per week (Min wage) and i am really struggling to pay everything. I get a single person discount on my council tax but i suppose stupidly its another one of thous bills i cant afford so…
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Stepchange Question
I have got myself into a bit of a pickle with unsecured debts and am working really hard to get myself to a point where I am back on track and repairing my credit. I have just sent an appeal to my own bank asking them to look at a consolidation loan so I can get everything in one place. In the meanwhile I contacted…
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First Day Debt Free
Hi All, I know I'm a fairly new member here but thought I would share my thoughts and experiences over the last few years. Rewind back to 2012, I was in a middle tire management position for a large UK based company, unfortunately as part of their streamlining process redundancies were made resulting in a dramatic impact…
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Vivus - Readdress Offer seems poor
As ive set out on a path of financial freedom from payday loans ive had in the past, i've crossed out a couple already, Vivus replied to my complaint about unaffordability etc but i don't think i'm all too happy with it, as below which means i owe them £8.51, whilst obviously not a bad payment to make to get rid of these…
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Which credit card do I pay off first??
Hi DFWs! I have 3 credit cards, all running at 0% with balances as follows: HSBC £5,491 Bank of Scotland £2,242 Tesco £2,960 Do I pay off the one with the bigger balance first or do I pay of the one with the smallest balance and work my way up? Any help would be great :) Thank you!
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Snowball
I am trying to figure out how to see how much interest will be charged on a card I am aiming to pay off. The whatsthecost.com calculator is good but it wants £xx per month towards the debt. Where as I have 2 payments left on a debt but they will be different. Basically the card is £850 and I want to pay £370 one month and…
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Help me become debt free (please!)
Hi all, I've been a keen 'browser' of the forum for a long time now, and until now have had little need to post. My finances have been good over the last few years, by which I mean, I haven't accrued any debt. Until June 2016 I had two jobs, one full time, and one 'casual' job, which was on a Thursday night. This extra…
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Help Please
Hi We have been trying to save for a bigger mortgage, situation is : My Salary : £44000 Partners Salary : £21000 Current Mortgage : Owe £75000, Pay £400 per month Bank Loan : Owe £8000, Pay £550 per month Credit Card 1 : Owe £5000, pay minimum amount ( Interest free until May 17) Credit Card 2 : owe £4500, pay minimum…
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CCJ Deadline is today - What do I do?
Right, I am a bit of an idiot. I know this so please don't tell me what an idiot I am. I received a CCJ claim form that I was supposed to fill in and return before Christmas. I have just been digging out ll the letter that relate to this debt and found an unopened one, which is dated 25/12/16 (were they really in work…
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Dont know who to ask
We have a parking fine from Parking Eye saying we were parking ilegally at a blue badge holders car park. Our Blue Badge was on display.My husband has emailed them saying that the Blue Badge was on display whilst we were there. They have not replied to our email or acknowledged that they have received an email from us,…
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Practical steps to help take control of your personal debts
A great article if looking to save money in 2017: http://www.scotlanddebt.co.uk/articles/personal-debt-2/practical-steps-help-take-control-personal-debts-3625
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MSE News: Free tool to stop impulse buys online launched
Shoppers who struggle to resist online sales and then later regret making purchases can download a free tool to help...Read the full story: 'Free tool to stop impulse buys online launched' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to…
