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Debt management plans
Has anyone used a DMP where they claim (or indeed do) to write off part of the debt? How can this work?
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Store cards 10% OFF when purchasing...
Hi, Im currently 20 years old... I personally dont think I have a bad credit rating due to the amount of credit I keep getting offered from various places Ive been lurking and reading a few posts and my query is store cards I Like to pay cash for everything.. I know where I stand there.. I tend to work on the - "If the…
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"HASSLE" BY CREDITORS
Hi A friend of mine is paying off her debt (approx £15000) through a payment plan with CCCS, but she still receives several phone calls a day and letters about the debt from the creditors. Should the creditors be doing this, or should they be contacting CCCS direct?? This is causing quite a bit of upset for her.
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On Income Support with £2k debt !!
Hi there, Some advice would be really appreciated !! I`m currectly claiming income suporrt (single mum) and get the grand total of just under £100 a week. But still creditors seemed to throw credit in my direction. being unable to afford the little luxuries, I started by putting just a couple of gifts on them, and promised…
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credit rating for the future
ive got a £3000 debt from my past marriage that i was left with i pay £25 a month but will be in a position to pay it off at end of this month the debt is with a collevtion agency at the moment when i pay it off how long will my history affect me getttin credit in the future ? also ive got my 'rating' from equifax and…
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Credit Report Question
Hello All I got divorced in 1999. Along with that was a lot of bad debt I think I had 11 creditors with over £70k of debt. That is now down to £23k and 6 creditors. 8 of these debts went into default of which 4 are showing on my equifax file and 5 on my experian file. I am trying to sort this all out and intend to (within…
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Experian Online Credit Report
I signed up for my 30 day free trial of Credit Expert from Experian as I wanted to check my credit report online. I signed up on Sunday night and haven't heard anything from them since and when I try to sign in with my username and password I get this message: "We apologise that your order is taking a little longer than…
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ccj help
having got myselft in to the unfortunate position off having a county court judgement against me by a utilities company, i was hoping someone could give me some advice. i will shortly be in a position to pay the debt off and it will be within 28 days (just). will i then be able to have the ccj wiped from my credit…
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Update
Those of you who are unaware of my present situation you can find information here: http://forums.moneysavingexpert.com/showthread.html?t=32342 An update - Today I have been informed that my employment has been terminated as of Monday 7th March 2005. This is due to me being signed off sick. Not really sure where to go from…
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Advice desperately needed
Over the past four years I've made some major changes in my career which although rewarding, have lead to reducing my income by about 60%. I found this quite difficult to adjust to and ended up running up a £1,500 overdraft, which I stupidly :confused: exceeded on a regular basis and maxed out my credit card to £5,300. I…
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Can anybody help please?
I have got into difficulties with a credit card debt of £2600 after leaving work due to illness. My credit card is now in default and am now paying £30 a month as its all i can afford. I am getting charged late payment fees and interest which is spiralling out of control and the debt is increasing each day. I am now a 1st…
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Making a start
Hi all, i'm only 20 but have tonight got the bug to get it sorted and would like some advice. I have a £7k loan over 5 years with the option of paying more off as i can afford it, which i also paid off my HSBC mastercard off with, was a killer, but it was for a car. The car costs me £300 a month for insurance and loan…
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Credit rating/history
I appreciate that missing payments is recorded on your credit history and can affect your credit rating but how long after paying any arrears does this information stay on your record? Also if you subsequentlly clear the loan/credit card on which you missed the payment, does the fact that you, at some point missed a…
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Assistance with obtaining monies for debt reduction. thanks
Hi there My colleague needed some advice could you assist? I am advising a purchase option/lease option deal would free almost £30k (10% balloon payment) and then he may not have to sell his house and will get income from it for 5 years. Here's the scenario I am a high tax earner, employed in a permanent position full time…
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Advice on Partners finances
First time poster looking for a little advice/reassurance about my Partners finances. Although we have lived together for several years we keep our own finances alongside the joint account which we use for household bills. I recognised quite some time ago that she was getting into difficulties. The unopened mail, the…
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Urgent! Advice Please...
...with regard to credit card debt and associated bank account; We have a joint bank account (with almost up to the limit overdraft) and I have a credit card debt with the same (Llloyds TSB). My husbands saary goes in there, I don't have an income now except tax cdts and cben. My questions are; 1) does anyone know how…
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I need A Miracle
I just wrote a nice long message (although it was the short version) when I went to send it, it told me I wasn't logged in, so here is a shorter version basically.. I had lots of debt,(approx £11,000) but was on top of it, then my mum died, which left me paying loads more than expected, then my well paid job disappeared I…
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My Credit Card Co & Catalogue Dont have a cca
I am currently having some repayment problems and i am struggling to meet the repayments. I have written to both companies asking for my CCA. They have both written back saying that it will be posted within the next few days, this has now been said on more then one occasion. But ask me to maintain repayments. If they dont…
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What to do with £6000 loan
hello lovely people. i was looking for some advice. we have an overdraft of £9000 that we almost go over every month - thats costing us about £125 a month. and we have credit card debts of £4000 on a couple of 0% interest cards. Minimum repayment is around £100. we've cut all our spending to the bone but can't get rid of…
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Why does everything have to get so bad...?
As you all know it's come to bankruptcy for my partner and I. This is a very difficult decision for us, and took a lot of thinking, talking, analising and double checking with the National Debtline. With me being signed off work for a couple of months now, we've just made a budget based on me only being paid SSP. Seems…
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