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Protected Trust Deed (Scotland)
Hi everyone, I have been progressing through a Fincancial Adviser called David & Co of Elgin Scotland (https://www.david-and.co.uk) and I am a bit unsure if I am being ripped off! They have taken some details (incomings, outgoings etc) and have agreed I can go ahead with a protected trust deed. They have now invoiced me…
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Minimum payments and rising debt
If you pay the minimum payment on your credit card - and your credit card is NOT on a 0% deal - your debt could be rising. This may especially be true if you are also paying for Payment Protection Insurance. Full article at http://business.timesonline.co.uk/article/0,,8214-1172661,00.html
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Credit Management and Debt Consolidation
Check out this site. It has informative articles and important links on how to read and obtain your credit report, how to refinance your home, where to obtain the best rates and how to manage and consolidate debts. http://www.wowdoc.com/pages/4/index.htm
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6.4% APR loan even with a poor credit rating ....
Finally been okayed for a Alliance and Leicester personal loan at 6.4% APR (their lowest rate for loans over £7,500; its gone up from 5.9% APR which was a shame). I had originally been given a rate of 10.9% however I rang them up and queried it and the guy said if I opened a Premier Current Account they could redo my loan…
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Any advice?, what should I choose?
Hello there :) I currently owe around 13k on : Overdraft : £3500 Credit cards : £9500. Now, I am at a point where it's getting a bit silly, and I need to start to prioritise and pay off these debts. I have the £6500 spread over 5 credit cards, owing between £1000 and £4500 on various cards. The £4500 has 0% for a further 6…
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How to find an I.F.A
Hi, I have posted on the "anything else" board if this is the wrong place, but can anyone help me find an Independent Financial Advisor with expat experience. I do not have assets, just income/debt and I want to find someone to take a look at our personal finances, our income and help us work forward in the best way to…
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Is there a way of finding my credit rating?
Hi all! Just a very quick question, is there a way of finding my own credit rating? Am I right to assume that the higher the value, the worse it is, and what the values range from? Thanks! ;D
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Partners credit issues..help needed..
I wonder if anyone can help? About a year ago my partner was with someone different, at a different address up in Blackpool, my partners ex pursuaded my partner to take out 3 credit cards and one over draft. Once the cards were maxxed out and the overdraft had been used..he was dumped.. The credit was taken out using his…
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building a good credit ? the companys that .......
The Companys that say they can help build your Credit ............ hi all i`m a new to this Forum, well this is my little bit of info that mite help others I have been with Welcome Finance for 2 years (not the best of loan companys to go with) they have a very high rate of pay back (APR ) and they also say that they can…
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Charging Order
Hi, Hope someone can give me some much needed advice. After a very bad business decision in choosing a wrong Business Partner and after a very long & expensive Court Case I have unfortunately had a Chaging Order on my home for £10k. I have an instalment arrangement and make monthly payments on a regular basis. Would this…
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does overdraft affect credit rating
does being overdrawn all the time affect your ability to get a loan. also does missing catalogue payments affect it too.
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DEBT REPAYMENT ADVICE NEEDED!
Over the last few years I managed to really make a mess of my financial affairs and ended up in debt. Around 12 to 18 months ago I ended up goind to a Debt Management company, who helped get things sorted (initially) and I ended up making reqular payments to them who in turn were paying towards the debts. Unfortuntely,…
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Cashing in on my endowment to get out of debt
I posted this under mortgages, but figured it might be more applicable here. Apolgies for the repeat. through weddings/holidays and general frivolous overspending I'm in quite a bit of debt that I need to sort out. Selling the car, cancelling everything and working to a budget. My endowment policy is worth £8500 if I cash…
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Consolidation Loan Help Please
Hello everyone Im new here ;D Can I start off by saying what an amzing website this is! Thank you to Matin for setting it up and giving everyone so much invaluable info for free!! Anyway, to me, well im in a bit of a mess financially - okay a lot of a mess. I assume you want details without my giving too much unecessary…
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Need to decide
Hi There, I have quite a lot of debt and I have managed to get a re-mortgage. I have a problem because I can only get 65% of the value of my house. This leaves me slightly short of the funds I need to clear my debts. One of the debts is the Inland Revenue and I must clear this one no matter what. The other debt is owed to…
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Debt Advice
We are becoming in need of some sensible and preferably unbiased advice regarding our debts.Some 3 years ago with the help of our bank, we took out a foriegn mortgage to buy a retirement property in France.The plan is/was to use it as a holiday let until retirement and so we set up a loan to refurbish it.The costs were…
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LOAN FOR HOUSE?
hi. i dont know if anyone read my other msg today. but i want a house urgently as i'm sick of moving and renting. is it a good idea for me and my partner to get a loan for a house? we dont have any savings as were paying off the car. we wanna move asap and i'v seen houses for about 72000. any ideas????
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advice on my debts please
i would like some advice on weather you can go to prison for your debts,and which ones if you ca i have had on going trouble with paying my tv licence fine through the courts and also my council tax. so can you go to prison if you do not pay them?. any advice gratefully recieved
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Loans to Credit Cards?
Hi there, Im after some advice on what to do about my mishmash of credit cards and my car loan please. Currently I have: 1x Texaco credit card fixed at 3.2% (I think it is?) for the life of the balance. 1x Egg card which 0% for 6 months has ran out. and 1x Cahoot flexible loan at 8.8% for my car. Now...because they're all…
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bank charges
:o I have banked with First Direct for the last 6 years and have never gone overdrawn. A few months ago we came into some money and I freely admit I took my eye off the ball. I forgot to transfer some money into the First Direct account, and went over the overdraft limit for 14 days. As soon as we realised I had made a…