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Credit Check
Hi, first time poster, please be gentle! Not quite ready to post a SOA yet but I have downloaded a copy of Martin's budget planner so that I can try to work out this weekend why, on an ok salary, I never have any money! I basically have 2 debts: Capital One CC: £1000 (maxed) Halifax Classic CC: £14000 (maxed) I have never…
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Strange spending paralysis...
OK, many of you wil remember that im taking in a lodger/ freind into our spare room . She paid the deposit ( 500) on Monday night, waiting for it to clear. Shes paying 500 on Friday for the rent upfront per month, and also Ive got 157 cleared from my refund from my bank charges ( cleared this morning) Now, Ive written a…
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Newbie With £5.5k Debts that need Shuffling!!
I am having my 'lightbulb' moment and was wondering if anyone can advise on how to shuffle the following: Overdraft 18.2% £1500 (Balance) Lloyds Visa 17.9% £207.82 (Balance), £2500 (credit limit) Egg 0% til 01/10/06 then 15.9% £2183 (Balance), £2500(limit) Halifax Visa 0% til 04/03/06 then 15.9% £1591.32 (Balance), £3500…
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First post - just wondering if there's anything else I can do?
Hi everyone I've been browsing through the forums for a couple of months now and the advice on here has been invaluable. I'm not what I would consider massively in debt, but I do have a personal loan of approx £8,900 to pay off. This is due to refinancing my graduate loan a couple of months ago (I'm now 31!) because I'd…
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Working hard to pay my debt off, but is there a better way?
Hi guys, this is my first post so please bear with me! I've been browsing the forums for a few weeks now and receiving the weekly emails for months. Anyways, the time for chit chat is later, i'm going to get straight to the point My debt: I have 1x Mint Card @ £3100 (will be £2900 later today) I owe my Dad £4500 I do…
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How do you DMP yourself?
Hi guys Hope someone can help. How do you go about doing the DMP yourself? DH has cc debts of about £45k and seeing that so many of you have been so good at reducing your debts, I thought I'd ask. He is not very good at contacting companies etc but I am and will do it on his behalf. Any advice welcome. Thanks.
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Not My Debt
just wanted to ask anybody in the know..i have lived at this address for near on 2 years and get DCA letters to a tenant that lived here over 6 years ago..why can't they trace them to there correct address?:confused: Tina x x
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Experian Reports
Hi, I recently purchased a copy of my Credit Report (the £2 postal one) and noticed a couple of errors on there, namely a default which I was unaware of (it was a very small amount from 3 years ago, which is showing up as settled - the amount was just £12.65!!!). I was informed that I could query this entry online, so I…
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Help
Hi, Both me and DH have been 'ill' for a while so on income support etc. In total each month we get about £900 a month. " years ago, the DWP messed up and we didn't get the righ amount of benefit for over a year, we got out a loan to help out but now we seem to have spiralled out of control (almost). We now owe Bank 4500…
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My O/H credit file
hi, my husband has exactly the same name as his father, who has bad credit. Were starting to think that is the reason my o/h cant get any credit. We paid for the online credit report, and it had alot of things listed that arent anything to do with o/h and actually belong to his father. ive heard about notices of…
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if someone would help you out......
Just wanted to tell you guys a bit about my situation and see what you think........ My boyfriend lives abroad and and although nothing is planned in great detail the idea is probably that I'm going to move out there in 6 months/1 year. Now as you can see from my signature my debts are not the hugest ever but I don't earn…
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Stupidly in debt and finding it real hard.....
Hi, Both me and DH have been 'ill' for a while so on income support etc. In total each month we get about £900 a month. " years ago, the DWP messed up and we didn't get the righ amount of benefit for over a year, we got out a loan to help out but now we seem to have spiralled out of control (almost). We now owe Bank 4500…
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Just when I thought I was doing ok!
Is it ok to come on here and growl? I hate this time of year! Everything seems to be going up in price but wages dont change til a few months later!!!!! Electricity prices - up Telephone prices - up Petrol prices - up Dread to think what else - up lol. I just received online bill from Power supplier. They had estimated my…
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My Debt
Well, I got my first CC aged 17 (Yes, 17! They sent me an application form in the post, I didn't ask them too it just turned up, I filled it in, didn't lie about my DOB & voila) & i'm now 27 with more debt than I can cope with. My problem is, will CCCS be able to help me? I called them the other day & have booked a…
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Yay i have an interview thursday
FInally the company that wanted people have arranged interviews, however i just found out it was for a Credit Management company :S How my morales and money needing senses are conflicted at the moment Good job im greedy so common sense will prevail, but im wondering wether i should mention this forum at the interview lol
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loan approved - should I haggle with CC companies?
Just had my £3k loan approved with a very low APR compared to my Credit cards and recieved my funds. I have 3 companies to pay off. Capital one : £1300 approx. Aqua £ 1200 approx. Next directory: £500 approx I was going to pay them off and be done with it, but do you think it`d be cheeky to ask them for a lower settlement…
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Don't forget...
Spendaholics is on BBC 3 at 9pm. I personally need to top up my fix, as I missed my usual after school hit. ENJOY!!
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I am bloody annoyed now......
I could have sworn I'd logged in earlier, and was posting an update to a previous post..........it was supposed to be a quick update.........but it wasn't:p and it took bloody ages to write..............went to post it and I got the message about not being logged in??? And of course can you get back to the post that you…
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Depressed
I'm very depressed tonight because I had a row with my OH about money. His paycheque is very late this week and our mortgage payment has left the bank account. We are over our overdraft limit and we have been charged £30. he blames me for mismanagement, says that I should realise his boss is unreliable and keep funds in…
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What Have You Done Today that Is DFW Stylee? Thu 27.4.06
Just starting thread for us all....