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thinking about selling to buy cheaper
hi all, just a thing ive been thinking about for a while. my hub not really keen, just thought i would run it past all. been living here for 12 yrs. 2 bed terraced house very small. now have 3 children (all girls) sharing one bedroom. it works i guess though just. ive at the moment got an 80k mortgage paying off the 2k…
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strange question
So don't know if this is possible, or if anyone knows but- can you find out which credit report company someone is using before you apply to them? Having recently checked all three of my reports, some are better than others- some are showing my lack of credit application as a bad thing, etc Is it possible to know who uses…
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Full and Final Settlement percentages...
Hi All I am in a position to offer F&F settlements to all of my creditors - any ideas at what percentage of the outstanding balance I should start the ball rolling at ? Obvioulsy I want to save myself as much money as possible. If I start with a really low offer (40%) is it likely to annoy them and lead to them calling in…
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New credit file
Hi im 22 and have a lot of defaults etc on my credit file and cannot get credit anywhere. I have heard that by changing your name, you will get a new credit file under that name. Is that true?
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Creditors charging amdin fee for letters - can I charge to reply?
Creditors solicitors charging me £16 "admin" fee for a letter to tell me I've not yet made first repayment regarding out of court settled CCJ. Can I realistically charge these parasites a fee for replying? Others experiences/advice truly welcomed.
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How do you remove links from your credit file?
Hi I've checked my credit file and I am linked to my ex because of a couple of joint applications. Now these were back in 2003/2004 how to I go about removing him? :confused: I am of course assuming that I can! Thanks x
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£200,000 how would u spend it _ debt £84,000?
your viewS???
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Asked for CCA - they want more details. Help!
Hi, I have asked for a CCA using the letter "I do not acknowledge ANY debt....." and inlcuded £1 Postal Order. I have tried looking for previous posts for advice but cant seem to locate any. They have written back to me asking me to supply as many previous addresses as I can. Do I have to do anything else? Or Can I just…
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Credit card dilemma
Credit card dilemma.....any advice please. One of my credit cards with a £4000 balance on, a few months back I decided to stop using ALL credit cards and use cash, and pay back my balance on this card when ever I had a little extra, always paying min plus a bit more. I have now noticed that as I no longer use this card…
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I've been credit card scammed...
Christ, this has never happened to me before and I'm gobsmacked / angry / scared. I need to know what the likely outcome will be..Does anyone have any advice? I keep track of all credit card spends obsessively (almost daily) via online banking and a spreadsheet. Around 16th of december I noticed a 'pending' payment of…
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HELP! Debt Collection Agency Commencing Legal Action!!
I owe The Abbey 923 pounds..... (most of it their charges n unpaid fees etc)...Now their 'new' Debt Agency has written that if payment is not made in full, by the 19th.... they will start legal action at my local County Court! Whats going to happen?? Will i have to appear? (I dont even have a suit, and can't afford one).…
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advice re: dca letters, please
hi have read some of the other posts on here re: dca letters and sending letters for original cca and assignation etc but not sure if they apply in this case could someone advise please? i have received three letters letter 1: Moorcroft for recovery of a debt to O2 of £462, not sure about this debt have written asking for…
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Financial arrangements with card companies
I have been on an arrangement with one of my card issuers. However, they recently notified me that this arrangement was coming to an end, and they've just started to re-apply interest and have upped the monthly payment. It's all beginning to look like I'm going back to square one with !!!!!!!s, after making an effort to…
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advice needed please
Ok not sure if i should be posting on here or jobseeking forum as the post involves both aspects, if on the wrong board please move, thanks Today after my lbm at the begining of the month and sorting out my finances and starting a spending diary and everything else i have been made redundant today. Actually my last day was…
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Newbie needing help!
Hi, I am a newbie on here and first off would like to say hello to everyone, and say that this is a great site! I need some advice if I may please :confused: I am off sick at the moment from my full time job and my wages have now gone on to half pay. Because of this I am struggling to pay my bills. I dont have enough money…
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Why can't I get help??
Hi there. I don't have massive amounts of debt but what I do have for my age and my income is impossible and when I try and get help from my bank they just tell me to stop using my debit card (which is the least of my problems). I want to ideally consolidate my debts but can find nobody who is willing to help me. I have…
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Overdraft recalled by bank
A friend of mine tells me his bank has told him he has to pay back the £2000 he is overdrawn by the end of the month and they are taking the overdraft facility away from him. He has been in to see them to tell them he simply cannot find that money in that time , but they insist they want it paying. He is worried what will…
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DFW's on Make-Up/Perfume/Toilettries
Question for the females of this forum, and perhaps some males! When you are trying to cut spends/stay on budget etc, how does everyone feel in regards to make-up/perfumes/toiletries? Do you cut back on them? Buy cheaper brands? Only use special offers? Was just wondering about this, as Im one of what I think is a minority…
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What will you spend, Tuesday 15th January?
Good Morning All :) I was looking for this thread but couldnt find it, so I hope you dont mind me starting todays off :) Hope everyone is well on this wet miserable day :) I have already drank cups and cups of coffee to keep warm (and awake ;) ) I am hoping to have an NSD today - food i bought so shouldnt need to spend…
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Feeling good.
Well just wanted to say I am feeling Good:j I am managing my money for the first time in years I have never really previously "managed" my money I just let it roll on. Sorted all my DD - into a seperate account. :T Shopping - food money into another :T Paying more than minimum off my Credit Card, balance now £874.27 .:T…