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Which to pay first
Hello all Just need some advice on which to pay first I have been declined a 0% CC with the Halifax that i was going to transfer part of a balance on another CC to so i don't want to damage my credit rating by applying for another with the possibility of being declined again My rating with Equifax is fair but with Noddle…
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Feeling so far away
Thank you for reading my thread, sorry it's a little long and rambling. I'm a little lost about what to do next as things seem to be racing away without me being able to control them. Summary: Got a CCJ applied in the last few days, no idea what to do. My tale: I was irresponsible in the past, ran up debts on credit cards…
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Idem
Hi guys, need some advice. I have an outstanding debt of roughly £2k with Idem, the debt has ended with them after been passed along (I can't actually remember where it originated!) from 2010 to 2015 I was in a debt management programme until i realised I was paying Harrington Brooks more than what was being paid off my…
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Is ynab worth it?
Ive seen this and understand its £3 a month? Is it worthwhile? What is its purpose, to make sure you don't overspend? And keep a track of what is spent where? Im just starting on my debt free journey and not sure if it would be useful x
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Cca
Had some work done on my house and had discrepancies with builder. Ended up in a high court writ. I have successfully set up a payment plan but now have asked for my CCA as it was an insulation firm. I have just received a letter to say that it is not covered by a CCA ....HELP
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What a great forum - not feeling quite so alone!
4 days ago I was in a real mess, panicking and worrying over the 55K hole that my wife and I find ourselves in. This forum has been a lifeline over the last few days, helping me to see that our debt problems are fixable. I have also discovered that there are many many others in similar, or in some cases, more debt than us.…
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Using credit when you're debt free
Just interested to hear people's experiences and opinions. For those who are debt free (after previously being in debt): do you use, or intend to use credit for anything, or is it out of bounds entirely? For those who are currently dealing with debt: when you become debt free will you ban yourselves from using credit, or…
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Help with Rossendales?
Hi All, Yesterday morning I was contacted by Rossendales asking for an ex-housemate of mine. Obviously they did the whole "we can't confirm who we are until we know who you are" spiel that I have read is common practice for them. I told them i didnt have time for this as I was about to leave for work so hung up. Later on I…
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Breathing space campaign: how have your debts affected you?
Hi everyone MSE has been backing the Families with Children and Young People in Debt (Respite) Bill calling on the Government to create a “breathing space” to bridge the gap in legal protection facing families and individuals struggling with debt. One of the charities supporting the Bill is The Children’s Society. As part…
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Newbies say Hi!
We've seen a fantastic influx of new forum members so far this year, across all forum boards. Welcome everyone! We'd love to hear from you.. please pop a post here to introduce yourself and tell us a bit about yourself (as much as you're comfortable with bearing in mind you can post anonymously but this is a public forum).…
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PRA Group
I have recently just seen a default on my credit file from 2013 from PRA Group, i have never heard of this company, it shows that the original loan was from Lending stream for £400. I was unaware of this debt and have never received anything from Lending Stream. I disputed the default on my credit file as it is showing I…
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Bargaining with dca for removal of default
Hi guys, I've been looking into possible ways to remove a small default of about 600 pounds from my credit account. I've had a small credit card from HSBC whilst I was studying towards my ba. Unfortunately I missed some payments which ended up causing the debt to be sold to 1st finance ltd. (I've checked that's it's them…
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Share the love
Hi all, I know Valentines is mainly a commercial holiday where businesses get a big boom from us buying lots of seemingly unnecessary stuff but I love it. Not because it's a big spend day but because it gives us a little prompt to remember to demonstrate our appreciation to loved ones. I love the idea that today so many…
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Drowning
First time posting since 2014 and I should have walked away then! I found my old post and Puddylove was right!! I'm miserable. I'm drowning in debt, hubby thinks we'll be fine. I can't cope 😓
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My debt was sold to a third party company (lowell portfolio I Ltd)
Hi, I'm looking for advice I started to spend silly money with JACAMO I realised I was not going to be able to keep up with both the repayments and the interest so I did the smart thing and contact them to discuss it, I managed to get them to agree to freeze the interest and agree to a payment £20 a month. I have been…
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Are foundation children entitled to free dinners?
That's the question basically I have just read somewhere that all foundation children are entitled to this. My child is in Reception and we saw £2.10 for every hot dinner still? We aren't on any benefits.
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Consolidation
Hi, not sure if this is ok as a separate thread, or if I should have added it on to my existing one?? Currently in over 50K od unsecured debt ( see my other thread for details) A couple of the cards are about to drop off their 0% promotional rates. It is very unlikely, according to the online eligibility checkers, that I…
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Am I missing anything so far......
As per previous posts I am attempting to enter a DMP with Step Change Just want to confirm that I am not missing anything as I progress and start this up (or attempt to) - figured best to reach out on here - CPA cancellation letters sent to creditors where this is applicable - Backed up with emails to the creditors - CPA…
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Full and final settlement terminology - does it need amending ?
Hi folks, Been a few posts of late where long term DMP`ers, and others, have reached the stage of making settlement offers to some of there creditors. There has been some confusion about exactly whats meant by a "full and final settlement offer", and how it should be marked on your credit file. The very name itself "full…
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Just for fun - Kent video shop chases historic debts.
This made me chuckle. http://www.kentonline.co.uk/herne-bay/news/bailiff-threat-over-late-dvd-120389/ Would you pay up?
