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How does Payplan etc effect my credit rating?
Hi New to all this and got a few questions for anyone who can help, please! Thinking about applying to someone like payplan as my debts seem to be going no where. Bad credit rating so can't balance transfer anything. So questions are: How will payplan effect my credit rating? Have 2 defaults on my file already so can I…
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MBNA solicitors letter
Got an MBNA solicitors letter today saying i must pay the 10.5 k that i owe them on the credit card. I am going through payplan and MBNA have had my financial statement and are getting what i can afford to give them. I will forward the letter to payplan but in it they say if they get a county court judgement against me…
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Student Debt, Painful.
OK, call me silly, stupid, pathetic, or most offensively, a student, but I need a bit of help. I'm attempting to get into the habit of moneysaving, but the large shadow that is my debt stops me from beginning. I'm wanting to start off on a clean slate, so to speak. (Ideally for the beginning of September) Here's my…
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credit ratings
This is my first posting, my question is:having viewed my credit file on Experian it is noticable that it is littered with old credit aggreements, from morgages to the fridge we had from comit, all are long gone. Is there any point in writing to these credit companys to wipe them off. They have all been paid properly.
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DH - head and sand....
I wonder if anyone has the same problem as me. DH and I do not seem to be able to talk about money. I like to know what is what and he does't. My personal cc debt is at 11k and o/d of £1800. His are around £45k but every time I bring the up the subject of "where are we with money" he gets annoyed and starts saying that I…
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Why Has Natwest Done This
hi i am wondering why natwest has done this to cut along story short oh moved deparments not at his requeat and lost 80.00 a week i had another child and had to give up work hoped to go back after the birth but parents said they couldnt cope looking after two so that was another 90.00 per week we couldnt take that loss of…
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My lunch challenge for W/C 24 April
I am going to make lunch EVERY night and leave my purse at home so I cant spend ANY money at all. I think this will save me about £25 next week at the very least. In fact am giving my purse to my OH to make sure I cant access my cards at all! EEEEEEEK Im gonna feel lost without them! I figure once I break this habit it…
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Decided not to have a holiday this year!
Hi Since joining these boards I have learnt so much and managed so far to save myself well over £2000 this year :T OH is off for a week in May and we had been considering going somewhere cheap for the week---I found a Caravan up in the lakes for £180 and was going to book itthen i thought is this going to leave us short…
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Taking mortgage payment holiday to pay off debt?
Hi all I'm getting really impatient and v fed up with seeing not much change to the debt situation. I was thinking about taking 3 months mortgage holiday and clearing one of my credit cards with it. What do you think? ~x~
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Help with debt advice
Hiya A friend of mine is really panicking as they are in debt and although I am aware of payplan was looking for the name of the other company to go to that helps with debt problems. Thanks! :rolleyes:
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The Money Secret by Rob Parsons
There's a new book just been published about debt. It is written in the form of a story so might not be to everyone's tastes but it contains some great advice. Check out availability/prices etc at http://www.bookbrain.co.uk. here's the blurb: "Practical and life-changing, The Money Secret will totally revolutionise your…
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Bit Disillusioned...CCCS
Hi Folks, As my name says, I'm bunnybaby's other half. We had our telephone interview today with the counsellor from CCCS about our debts. Went through our budgets, incomings/outgoings etc. the bloke was allowing for stuff we never even heard of let alone spend money on!! By his workings out, we should be offering our…
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Sorry, its me being stupid again re: Lloyds TSB deposit points
When I put the cash in the deposit point on Fri, if it takes 2 working days to clear, when will it clear by? If they are open on a Sat is that included as a working day?! Im confused! :confused: and what if they have lost it?! OOooh i am worried now _pale_
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Newbie Financial Advice Please
Hi all, I have been a reader of these boards for sometime but always a little apprehensive about posting our position, but having seen the range of advice available on this site I figured I would take the plunge and see what advice is on offer. Our debt situation is as follows Loan - Monthly £210.57 - Outstanding £8843 -…
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Quick Tip for londoners
When you are delayed on the tube, did you realise you can claim back the journey. even on oyster? My colleague told me this earlier... and I felt the lightbulb ping on. For every journey he gets delayed ( I had a few last week..) he claims. Each one comes back at 2.30. Yes, a bit of a hassle, online easier than doing the…
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So cross with OH
Just went nline to check bank accounts and noticed a mystery payment of £82.00 :confused: Rang OH and it turns out that he has spent it on an online wedding gift. This is the wedding of the daughter of neighbours, who we occasionally socialise with, not great friends. They invited us to the evening do and OH will be going…
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Good way to make some extra cash!
Morning....Just wanted to let you know about a good way to make some extra dosh! I posted a few weeks ago to say I was thinking of becoming a Party Organiser for a well known company selling specialist 'ladies' items if you get my drift! Well I have joined now and have got my first party tomorrow, if all goes well I can…
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Banks make debt too easy
Hello, This morning I signed into my online bank account and before I could view my statement, was taken to a page that explained I could get a loan within 3 hours today, providing I completed the form by 2pm. No paperwork involved, everything sorted online and I could borrow a maximum of £25,000!!!! It's no wonder that…
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advice
Hi All, I'm not too sure where to put this but i'm sure you guys don't mind helping me out!! I've got an account with the next directory which is fully paid up and the account is clear. I want to cancel this account as I don't want to use it anymore. However, I just called to cancel and have been told that they'll stop all…
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B & E
hi am wondering if anyone could advise on behalf of a friend. he has been with a debt management company for 6 years, and is going to be with them for another 18 years at the current rate he is paying, as this includes a £30 per month management fee (current payment = £190 per month. he has just had a phone call advising…