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Help Please
My mum applied for a loan today but was rejected to something on her credit file, after checking with experian it showed that she had late payments on her credit card (capital one - boo!) The situation was that my step dad pasted away just before Christmas and my mum went onto statutory sick pay, she contacted capital one…
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Revised SOA for 2007/08
Hi guys Posted on here before. But at the time, If im honest I didnt really know where my money was going! Bit more on track now (I hope) But I still could do with a few people to look over my SOA. I cant decide what to do with savings, which debts to pay first etc & also, want to reduce broadband/home phone (currently…
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Bank error in my favour...
what to do? I paid a big chunk off my credit card this month (£400 overtime) and then they sent it back... but didnt put up the balance on my card! Petrified of doing ANYTHING in case it goes wrong - but its been 3 weeks and no comebacks. The honest thing to do would be to tell them. but a teeny bit of my brain is…
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Support for the wife of a serial debtor
My OH is a serial debtor. I've just paid off nearly £5,000 of his debts and he still keeps going back for more. Its like an illness. He can't stop. I was wondering how the close family of someone like this copes.
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Default Info??
I have just looked at my credit files to see what was going on and have noticed that I have a default on my file. It is dated 14 June 05 for £604 from the OUBSA (revolving open university student account). It states that it is satisfied as I paid this off in full but has no settlement date. I think it sometime in July?…
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Shall I just stop paying the Co-op?
Helloo. I owe the Co-op around £11k on a credit card. We've been through the hoops of financial statements etc with them and have for months now been making a small repayment, about 1/10th of what we paid them before, but a fair pro rata payment. Needless to say, they're not chuffed. Today my statement from them shows that…
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working out interest on charges
hi, how have people found the best way to work out there charges and interest gained on them. i had a charge of £15 back on 14/09/01 and have worked out that i was getting interest at x1.03425 per month. now i have a mathematical block as to how i will work that out over the following 70 months the interest has been…
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my poor mum & dad
im on msn at the moment and my mum is crying because they have had to go to the bank and think about remortaging again as they have no money at all. she feels bad because she feels responsible for me getting into debt in the first place because they werent able to pay for my wedding (which is why im in debt in the first…
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working out interest on charges
hi, how have people found the best way to work out there charges and interest gained on them. i had a charge of £15 back on 14/09/01 and have worked out that i was getting interest at x1.03425 per month. now i have a mathematical block as to how i will work that out over the following 70 months the interest has been…
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Legal Advice - Please Help!!
Hi all Im not sure if this is the correct forum to post this as I am a relatively new poster on this site, but I do not know what else to do. In January 2007 I did something of extreme stupidity, I altered my young persons rail card as it had expired. The first time I came to use it I was caught. I gave over my details…
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Plz Help
hi everone, i need some advice plz. my sister has been sectioned under the mental health act but before she went into hospital she maxed out her credit cards and overdraft. She is in debt of almost £3000, and every month the bank is charging her interest. I have paid all her utility bills and running her houshold but now i…
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Martin Lewis on Radio 1 today
Hi Just heard on radio 1 that Martin will be on with Jo Whiley at just after 12pm today!!:j Just thought I'd share!!!
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Any Legal Advice Please?
Hi all Im not sure if this is the correct forum to post this as I am a relatively new poster on this site, but I do not know what else to do. In January 2007 I did something of extreme stupidity, I altered my young persons rail card as it had expired. The first time I came to use it I was caught. I gave over my details…
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Credit Report help ??
To cut a long story short I am trying very hard to turn my credit report around, however every time I improve it, something else comes along to give me a kicking. I have recently successfully removed a CCJ from my account so ran another credit check to see if that has improved, it's now worse. I notice that a debt from…
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Petrified....
Hello everyone.... Complete newbie here.... Just lloking for some advice really... I have to attend court tomorrow to try and stop Natwest/Shoosmiths from putting a charge on my house (jointly owned but debt in my name). My partner and I are in a DMP, that has not been doing its job... my partner set it up and I now…
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Any advice appreciated
Hi everyone, Im hoping you can offer me some advice on my situation, please. I owe; Tesco personal finance - £5542 Cahoot - £9055 I stopped paying my loans to Tesco personal finance and Cahoot nearly a year ago after having to leave my better paid job for health reasons and i was just not able to continue with my…
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Please Help With Advice - Outstanding Mortgage Debt After Repossesion
When my marriage ended 10 years ago our house was repossesed by Halifax. They have sold house at the loss of £ 16.000. They are now after all these years pursuing only me for debt and not my wife and it was her who insisted when we went to court that the house gets repossesed while I was trying to agree solution to pay…
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Young newbie looking for help & advice
ok, currently my SOA is in the green, just!! Incoming salary £1,200.00 Monthly Outgoings Rent/rates - £350.00 Phone - £35.00 Food - £100 Car Insurance - £90.00 Petrol - £80 Loan - £200.00 (HSBC FLexiloan around 12%) Credit card - £100 - (HSBC gold card) Total: £955.00 Flexiloan amount is just over 4,500.00 of a 5,000.00…
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How much have/will you spend and sunday to friday challenge - 22th april
afternoon darling dfw's, apologies for the lateness of the thread but I decided to go to the cinema even tho I didn't get my essay done last night. my bad! Saw blades of glory and it is soooooo funny, highly recommend it! anyway, I'm yet to work out how much I spent this week, if I'm over budget it's by the skin of my…
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Schedule Of Income & Expenditure
What can you put on a schedule of income and expenditure? Can you include things like clothes, cigarettes, food, petrol, etc? Thanks