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CCJ and Default - want to clear up my credit
Hey, I just wanted some advice basically Im 22 and i have a CCJ on my name from 2014/15 and i also have a default from a bank which is quite a small amount of money and im about to start paying this off. The CCJ is for about £1200 so im wondering if i should start making payments towards this or just wait. I have made no…
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Idem Servicing - advice please
I have an old loan which was originally with Lloyds that I have been paying off for 18 years, this has now been taken over by Idem Servicing who initially seemed helpful as I disputed the amount they said was still due. I have been asking for years for a copy of the original agreement and it has never been produced. I have…
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balance transfer from more than one card ?
hi guys following on from my earlier thread .. can I ask is it ok to balance transfer from more than one card ? I hace one card with a larger balance and one with the small balance and I was going to transfere both if possible ? ive checked Barclays site and cant find the answer thanks again guys lisa x
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Requesting CCA information on a defaulted current account/overdraft
Hi, After years of paying £1/month to my creditors, I am now following the advice on this forum and will be writing to my creditors to see who can produce enforceable CCA-compliant documents (terms/conditions; payments and charges; etc). Having looked at one letter from a creditor, I think they've made a big mistake, which…
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Template letter to enable assessment of account
Hi, I recently received a letter about an old debt, 4 years old. They've written lots of threats and stuff in the letters. Is there a letter I can write to them to by some time just two weeks, so I can access the debt? I just want to make sure I have all the facts correct and documents before I decide to pay off this debt.…
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Should i take this BT deal ?
hi guys I have just checked BC and they are offering a BT offer of 6.9% for the life of the balance .. what do you guys think ? im currently paying 29% on my last 2 cards needing clearing .. I was hoping to shift to a cheaper rate then hammer these. I cleared the BC, TSB, MBNA and Halifax card over the last couple of…
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What small DFW things will you do this week - w/c 14 August
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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Is a DMP appropriate?
Hi Is a DMP ever appropriate for someone who is able to meet the minimum payments and actually overpay a little? Even if their debts are very high?
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Debt and Mental Health
Unfortunately I've always had battles with depression and anxiety. It doesn't help so much that I stopped my medication. Anyway after budgeting really tightly this month, having to pay 2lots of council tax because last months bounced, I was feeling okay but then today NatWest took £43 of interest off me (I can't even find…
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dont want debt no more
Normally a lurker, but decided the time has come to hammer down my debts. Being honest, 90% of the debt has come from gambling. I havn't visited a casino now for over 6 months, and never will again, but ended up spending on a holiday and bought myself a cycle to get fit. i have posted my SOA, and any comments, harsh or…
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Will 2 debts I'm still paying from years ago (over 10) affect me getting a mortgage?
Will 2 debts I'm still paying from years ago (over 10) affect me getting a mortgage? they have disappeared off my credit record about 5 years ago I just pay £10 a month each to them to a debt collection agency but other than that I've kinda forgotten about them, they are registered to my mums address in my maiden name
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Advice please on Consumer Credit Act information and settlements etc
Hi, I have multiple debts which I have been paying £1 a month toward for several years. Some debts are still held by the original lenders (e.g. HSBC and Mint), whilst others have gone to debt collection agencies and been passed on several times. I want to try to settle these, but have a few issues. One area I would like to…
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Unable to meet debt repayments - help needed.
Hi all, I have been very stupid and got myself into a terrible mess and I can't see any way out of it. I don't expect any sympathy as it's all my own fault, but I'm hoping somebody may be able to offer advice I used to be quite good with managing my money until I had children. Since having children I have constantly…
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Bank Error- financial and emotional impact on debt plan
Hi I really need some advice. Just over a year ago I broke up with my civil partner, who was controlling and abusive towards me. I paid all of the bills, our rent and she worked part time and contributed towards the food. When we broke up she made all kinds of threats and some of them financial. She said she was taking me…
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Lowell County Court Judgement
I've received what looks like County Court Judgement documents today from Lowell Portfolio 1 Ltd. The debt they say is from 2012. I have no recollection of it. I've just purchased a copy of my credit report and it says the initial account was opened in 2008. I wasn't living at this address in 2008 but it doesn't give a…
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Reclaim bank charges
I have an overdraft of £3400 which is ridiculous for my earnings. I applied to reclaim bank charges about 2 years ago after seeing an article on here, initially Halifax said no and I forgot about it then they offered me £1400 to reduce my overdraft to £2000 and that they would change the balance immediately to reflect…
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Newbie saying hi
Hi, So I have been lurking in the back ground for a while (same can be said for my finances lol) I was doing ok financially, earning and spending..... why wouldn't I have a catalogue, credit card or loan, after all as a nurse I just had to work a couple of extra weekend shifts...... and then a series of health problems…
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Interest rates vrs overdraft rates
Why is it so disproportionately in favour of the bank? The amount you get charged for being overdrawn vrs what you earn in savings seems so unfair to me? I realise banks need to be profitable but why is there such a large gap? I have savings of £3,000 which gets 0.3% interest, yet if I was to go overdrawn I'd be charged…
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CCJ sent to fathers adress
Hi everyone, need some help. Just had some county court papers sent through to my fathers address, not lived there for years. Trying to take me to court for debt 5 years and 8 months old, so companies buying up expiring debt :( Its for £2.4k. Just seeing what the best course of action to do, have till the 20 something of…
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Will full & final settlement (partial payment) damage my credit score?
Hi everyone, Step Change have advised that I can offer my creditors a full & final settlement figure as I will soon be in a position to pay back 71% of my total debt. I have 5 defaults in total - the last one dropping off after 6 years in 7 months. What I would really like to know is should I jump at the chance to become…
