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So much debt plus a huge overdraft....please help!
Hiya Sorry this is a really long post! Please can someone give me some advice. I have posted before, back when the site started, but things have changed for the worse...here is my current situation. Me and my fiance are currently in LOTS of debt, which we are just about 'managing' in the fact that we can meet the minimum…
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Close to debt problems, need help please.
Hi, I am currently owing about £5,000 to Egg Credit Card, £4,000 to IF credit card, a few hundred to HFC comercial finance and around £900 to First Direct Credit Card. I have a mortgage for around £50,000 on a house worth around £85,000 - 95,000 (prices are around £92,000 on average here). My monthly outgoings are starting…
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HELP! Bank account has been closed
:eek: Despite attempts to work with our bank (0f 6 years I might add!) they closed down our account without so much as a letter or phone call to say it was definate :mad: They had threatened to take away our overdraft and we tried to setup a payment plan which we had been told we had no reason to believe wouldn't be…
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Room for improvement?
Hopefully you wont see this as wasting anyones time....am not a finance expert...so am just leaving it to you guys to see if there is room for improvement! Income: Monthly after tax £1056 Outcomes: Monthly NTL Digital £38.50 = all sky sports + MUTV + family pack(inc £10 refund) NTL Phone and Broadband £27.49 = 300k +…
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IVA's - Good or Bad
I recently read something about IVA's and was just after some advice on what people think about them. 1.What financial state do you need to be in to enter an IVA. 2.Is this gonna cause me problems if a few years down the line I want to get a mortgage? 3. How does it affect your credit record?
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help i dont know where to start
I am in debt 12000 overdraft 0% interest sainsbury loan store cards credit cards My question is do i call those people that advertise on the tv or put the 12000 on to my mortgage
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Trust Deed - am I tied to working full time?
Hi! Apologies if this has been posted already - but I couldn't see it anywhere! I am currently repaying a protected Trust Deed which I signed up in January this year. I have recently been off work for a week on my docs instruction with "anxiety" which has been caused in part by the worry of my finances, but other factors…
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Bad Debt,please Help!!!!!!
HI,im a newbie here,this is my 1st post,myself and my partner have gotten into a spiralling debt problem mainly due to our bad money management,we have credit card debts of £8,000(between us),an unsecured loan of £32,000(paid off previous debts),we are both unhappy that we have aloud ourselves to get into this bad…
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trust deeds
My sister in law has signed up to some kind of Bond which I think sounds like a trust deed. It sounds too good to be true, they pay this company £200 per month for three years and the rest of their debt is written off!! Whats the catch? we live in Scotland. luluspice
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Advice needed
My OH is in debt by about £17,000 and he told me last year he would not spend in his credit cards. He has spent £2,000 without telling me. He says its private and we do actually have separate finances. He says he needs to spend on his Credit Card because he does not have enough money to meet his outgoings. HE blames the…
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Why ARE people in so much debt?
Hello - this is my first post after 'lurking' for a while, and I hope it doesn't come across as churlish or insensitive, but I'd really like to know why this country is drowning in so much debt! Obviously if a family's main breadwinner loses their job, or becomes ill etc. it's understandable that folks will have to tighten…
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house valuation surprised us, now what???
hey all well as i said before we had pretty much resigned ourselved to the low start payment plan with cccs, but we got our house valued just out of interest. we didn't think it would be worth much more than £80k, giving us about £7k to play with if we did sell up, but valuations have come back at £87k, £89k and £85,500k.…
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Time to make a start in life!
Im looking for pointers really, TBH im to self-opinionated for someone to take over my finances completely.... As It stands I am approx £20k in arreas & Zero Savings. Income varies from £1k-1.3k per month Basic Outgoings :- TV,Net,Phone = £50 Mobile = £30 Items on Tick = £100 General Expenses £100 Entertainment = £200…
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My budget
Ok, this is my budget as someone suggested posting in another thread: Rent: 260 month (thats 220 normal, 40 off what is owed, suspended possession order) Council Tax: Theoretically nil but I have areerrs they want at 80 / month Travel: 80 month (two people, cheapest pass that will work for us) Phone + Broadband 50 Month…
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Thanks everyone - finally got housing sorted :)
Hi I heard back from the CAB today - unless I hear otherwise it sounds like they've managed to agree with the council amended payments of 260 pounds a month. The 510 they were asking for was a)misleading wording and b)bad maths - nobody can make sense of the logic there. So, that's the rent sorted out to payments that I…
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Advisen me on how to get out of debt!!
Hi Guys I currently have a £13,000 Loan that i have taken out with Egg at 7.9% apr to consolidate a few debts that i have built up over the last few years, through excess partying, going out with friends,etc, etc. what would be the best way i could go about paying this loan off faster it is for 54 months. I have two jobs…
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My first post. Some advice please
Hi everybody. I would like a little bit of advice. I left university 18 months ago and I am in a bit of debt. I have 2 credit cards, both at 18.9% APR which I am near the limit on (£1400 and £3000, with payments of £130 and £180pcm respectively). I have also got a loan at 6.9% for my car, which is not a problem, around…
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Experian Trial - urgent help needed
I ordered my free trial last month, I have to cancel it this week or they will charge me for it, but I can't find the letter they sent me or the number to phone to cancel. Can someone help, who do I phone to cancel it?
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The Full Disclosure Report
Anyone used this? Does it work? Is it worth the money? :confused:
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Credit history problem (idiot brother)
Hi I'm trying to get mortgage and other loans however when I apply I always get rejected. I paid for one of those reports to show why I had a poor credit rating. For the life of me I don't know why I'm always being rejected as I've always paid my debts on time and never defaulted on anything and I working and have a couple…
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