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First Time Buyer and Consolidating debt
Hi long time lurker, first time registering and posting! The quick question: Would a lender prefer several short term debts? or one larger longer debt - with more disposable income? The long story: My partner and I were intending to buy our first house this summer, Currently I have a loan which ends in 9 months, and £2000…
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Bristow & Sutor charged me a £75 compliance fee
Hi all, I got into arrears with my council tax and it was passed to Bristow & Sutor.I set up an arrangement with them to pay the outstanding amount at £52 a week with an initial payment of £66.My wife had left the marital home a couple of months previously so i rang the council and asked for a single persons discount.They…
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Fending off a default before it happens
I have already posted part of this over on the Credit File forum and the lovely people there told me that there are some real-life debt ninja’s over here in the DFW forum and to post here too… Can you help me with a few sage things to say in reply to a Lloyds bank saga that’s been rumbling on for about 16 years? I took out…
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Loan question
Hi there, I hope you can help me and that I can make myself understood :) My husband and I are 26 K in debts. One close family member kindly/generously agreed to give us 10 k to help us out. In order to repay the leftover debts, we would like to get a loan. My husband credit score is really good and he was told that he was…
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Council tax - Bristow Sutor
Hi, first post here! Try and keep it brief (probably won’t) I moved into a rented place, 6 months term with a partner in February 2017, relationship broke down quickly and went separate ways and moved out quickly to my own place in the same council, the move in date was 29th April 2017. Now We continued to split rent until…
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balance transfers ?
Hi Guys .. so I am on the road to DFW and am doing pretty well manged to get rid of a few cards and im making a hit on the one with the biggest balance. last year I had transferred the balance to a 0% which is great to see it go down but that ends in October. well every month BC has sent me 0% BT offers but this month they…
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Breathing space
Currently going through parliament : https://www.facebook.com/stepchangedebtcharity/posts/1765193030199511 Big changes to debt management plans may be on the way.
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Can I get a mortgage?
I'm currently in the process of trying to arrange F&F deals with my creditors. If I can manage to do this, I will close off all of my debts. However, of my 10 creditors, 9 have defaulted and my credit score is shocking. We currently own a house (mortgaged), but need to move somewhere bigger in the near futures as we have a…
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Robinson Way Debt
I would appreciate a little advice if possible. I've just received a letter from Robinson way recently stating that i owe them money for an old debt. I've checked on Equifax and the date of default was June 2012. It was marked as GONE AWAY - Customer has left the address provided without supplying a new address. I've read…
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Strange message - Robinson Way
Just received a strange message from Robinson Way. It reads: "MR fatrab (that's not my real name!) Robinson Way has made repeated attempts to contact you. Please visit us at www.robway.co.uk. You can also chat online with us." That's all it says. Now, this was sent to my personal mobile phone, so they clearly have my…
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some advice on CC and balance transfers please
hi first time posting. in need of some advice. i am a bit of a serial spender and seem to always be in debt. i recently consolidated all my debts onto a credit card that was interest free and a low fee. this took up most of my available balance. i also have another CC that i am almost at my limit of since transfer the…
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Don’t know where to start
Hi all I’m new today. I’m really desperate for advice please, the local CAB have closed in my town and I don’t know where else to go. I’ve had a card pushed through the door from Orbit debt collections for an unpaid united utilities bill from last year. I know I owe this money I’m not disputing it and if I had the money…
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Off topic why the typos
What’s been the reason for typos on mse.com forum past few months. E.g. !!!8217;!!!!! Etc.... Just wondering as finding these typos are interrupting my post as they are other posts from mser’s
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halifax online loan ?
Hi Guys .. can anyone tell me if there are ERC on the Halifax loan (not clarity) I am hoping to start making regular OP but im unsure ? I can call into Halifax tomorrow after work but its right over the other side of town so a good 30-40 minute walk and I have to staright home to go to job number 2 thanks a million Lisa x
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I'm completely overwhelmed, at loss.
Please accept my apologies if I'm not posting in the right topic. I'm going to try to give you as much details as I can. I'm married, self-employed, my husband is employed. We bring £5.200 between the 2 of us. Our rent is £1800, we repay debts about £800 every month. We have huge outgoings. I'm working as much as I can in…
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What small DFW things will you do w/c12th March?
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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Paying off debt and applying for a mortgage
Hey there. First time poster. I am 26. However, in my earlier 20’s I was very irresponsible with money and because of this ended up with several credit cards open with varying amounts on each. In the last month I have paid off 2 fully and now only have 2 open, one with £650 and one with £1300. I am earning about £1300 per…
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effect on future AP vs Default
My partner is in a arrangement to pay for her £4k overdraft she is struggling only paying £20 a month as we both do not work now. She has an arrangment to pay marker despite the bank removing the over draft she couldnt afford the £4,500 to pay them in one go. She's wondering if she lets them issue a default rather than…
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DRO and HP finance
Hi can anyone please advise what happens if you apply for a DRO and you have up to date outstanding finance through a HP agreement on PCP? Do you lose your car? Secondly I'm not too sure what my exact debt level is, but if it were to be above £20k, I'm right in saying you cannot apply for a DRO, is that right? What options…
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CCJ received due to council and bank blunder!!
hi MSE community members! In need of some legal advice and/or guidance relating to my case. Here is the back story where the dates become quite important: I own a council property, and have done so for many years. SO set up to pay service charges to council every month of £88.96. This was setup in March 2011. Any under…
