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NTL - this is why I'm in debt!!
I got my credit report and found that NTL have recorded that I've been 2 months in arrears. Phoned them up and discovered that I owed them £122 and it had been written off. This was from 3 years ago. I knew it was rubbish as I remembered cancelling the contract. NTL have admitted to me that it is an error, and they are…
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In despair
I owe money to several banks total £43,000 i have no savings the loans have accumulated over ten years i have a small terraced house in joint names (myself and husband) due to ill health i cannot work my husband does not want to sell the house to pay off the debts Loans are all unsecured and in my sole name I have made…
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credit report cost??
hi ive just been onto the three credit report sites(equifax...experian and callcredit) there all quite expensive :confused: i thought it was only a couple of pounds for a credit report but they dont start for under 8 pound odd:confused: (ok not a fortune but im wondering if i am missing something??...is that the price or…
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IVO Advice Needed Pls
Hi Everyone, As some of you may know I have a DMP with the cccs. As my hubby now knows some details of my money mess, and my dmp will go one for YEARS im thinking of opting for an IVA. Can the courts make us release equitity from our house to clear debts in my name when really its not my home - Im not named on the mortgage…
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Help! I can't get the hang of this chat thing
:confused: Can anyone help ? I can't seem to get the hang of this chat thing and I'm desperate to start moneysaving
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Bankruptcy & Savings
Hello I am thinking of going bankrupt. However, i have several building society a/cs & ING a/cs. I make regular deposits to these a/cs by cash & sto. These are to budget for things like xmas, insurances, car repairs etc. Do i have to declare them to the OR & if i do not mention them will the OR find out. Should i take the…
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Spending Diary -first results..GASP!!!
folks ive kept a spending diary since the 28th sep, started this just before having my lightbulb moment last week. I have spent a MASSIVE £714.47 . I wont even begin to list what on but lets just say i should have spent a third of that (admittedly some of it was on birthdays and a leaving do but i could have spent less)…
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Advice on Halifax credit searches
I have an interest only 2 year fixed rate mortgage for £126K - property is worth £170K so reasonable equity. I have credit card debt all on low life of balance apr's (3.9 - 5.9%) of £22K. I am considering getting some more money on the mortgage to get rid of the credit card debt and then have all the debt in one place and…
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Eep! Help! [student in debt]
Right, I've finally worked up enough to post here. I've posted in other boards and lurked for a bit, but only now posting in here. I'm in debt. And I really shouldn't be. I've never been particularly good with money - the black sheep of the family, as it were. Always spending when I should have saved, and so on. It only…
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15 years old applied for credit and was accepted.
Hey Guys, This is my first post to this board, albeit I was the site all the time and have benefited over again from the advice of others.... Im hoping for some myself. We have a 15 year old who is in his problematic teens, for a number of reasons most of which we all most probably know. About 4 months ago, I found out…
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Dispute with Ebay
Hello, Firstly, apologies for the trivial nature of this enquiry but it's more down to the principle rather than the actual debt. I sold an itme on Ebay which attracted commission of £1.32 for Ebay. They tried to claim this amount via direct debit but it was returned unpaid with the reason 'No Instruction'. As I rarely…
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Starting Again from fresh
Hi, I have now paid my last payment in 36 months to my Scottish Trust Deed. I now beleive that I am fully debt free.:T :T I am faced with the fact that I still have an exceptionally poor credit rating.:mad: My point of the post is not too gain plaudits for becoming debt free - as I was in debt due to ignorance and "hiding…
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Advice on Loan Needed Please
Hi, I have a total of £22,000 debt which is spread over 4 credit cards. I am really struggling with the total monthly outgoing for the cards (£500) and considering most of it is interest is really depressing sometimes. After reading some articles from Martin I think the best thing would be to consolidate as I have no…
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Weekend job - Manchester
Thought someone might be interested....? Weekend Assistant Project Officer - Manchester Methodist Housing Association Sat/Sunday - 16.5 hours https://www.greatplaces.org.uk CLOSING DATE 19 OCTOBER 2006
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Let's All Get Loaded Aye!!!
Forget the other scheme's you've read.. THIS ONE IS REALISTIC, THE BEST AND THE FASTEST !!!! "NOT A SCAM" This is fully legal.!$$$$ Let's get straight to the cut...$$$$$ What you NEED, 1) Paypal account... 2) $20 doller's... In another page, login to Paypal, (Copy & paste link below) httpswww.paypal.com Not a Paypal…
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Advice please about Credit Check for OH
Hi I posted last night about my son renting a house with his mate. He has been to look round today and they are hoping to take it.The only thing is my son hasnt been working for more than 6 months(just come out of Uni) and therefore they are asking for a guarantor. My OH is happy to do this for him(I dont work full time so…
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What is Capital One up to??
I have recieved a letter from Capital one saying that my account with them is being MOVED away from the Debt Collection Agency they sent it to! And even more strange the account is now back with Capital One???? Is this normal ?? What are they up to?? Any Ideas anyone? k.
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Get So Filthy Rich $$$$
Forget the other scheme's you've read.. THIS ONE IS REALISTIC, THE BEST AND THE FASTEST !!!! "NOT A SCAM" This is fully legal.!$$$$ Let's get straight to the cut...$$$$$ What you NEED, 1) Paypal account... 2) $20 doller's... In another page, login to Paypal, (Copy & paste link below) httpswww.paypal.com Not a Paypal…
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How do you set a budget for kids?
Hi, Since joining the forums I have picked up loads of money saving tips with thanks to all of you for posting them. I have been watching my money and realise I can not set a budget for the kids, for an eg. last week I had to pay £10 DS school swimming lessons (compulsory) £5 DD art book £20 DD tennis lessons £3.50 DD2 H.E…
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Bank Witholding Tax Credits
Hi, please accept my apologies for being a long time lurker/reader but infrequent poster. My O/D accoount with a high street bank was sold to a debt collection co. in March 2006. but when we renewed our tax credit declaration in August we then qualified for working Tax Credit & Child tax credit (we hadn't qualified for…