 I have cant get any credit, can buying a phone with no credit check really help me rebuild it? |
| I cannot get a mobile phone, catalogue, store card or anything that involves credit no matter how small, but I can get a mobile phone through a no credit check finance company which promises it ... |
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 I have a credit score of 549. Seeking 100% home loan for 120,000. Already approved for 80k. Any suggestions? |
| The only negatives on me credit report are a 60 day late car loan that I cosigned for and my credit card debt is a little high. But all other payments have been made on time. I need to move and ... |
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 Iv lost my bank card, need some help!? |
| I lost my bank card a couple of days ago and I have to wait for a new one, how do I get money out of my bank in between as I need it urgently. Im at Barclays. Can I bring some ID down and verify some ... |
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 Need some financial advise? |
| Okay, about two years ago I started getting behind on things because I had to take a very low paying job. Well, it has gotten out of hand because I haven't been able to pay on anything for ... |
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 If I think a bill from a merchant is too high and refuse to pay the full amount, does it go to collections? |
| I recently received a bill from my CPA for $450 for doing my taxes. I am a single W2 filer, and this amount is outrageous. I am not willing to pay the full amount. If he insists on being paid this ... |
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 I have 240 bucks in total, I have 3 bills to pay. I know I dont have enough but I need to pay 89 to y visa? |
| 107 to my mastercard and 133 to my cable/telephone.Which would u pay.or how would u split the money so each get equally.... |
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 Can a company debit my credit card before they have despatched the goods? |
| I thought I'd read somewhere that this wasn't allowed and it's happened to me twice this month!... |
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 How many credit cards are too many? |
| Is there a certain number of cards that a person should stick to having? Like for examply I have 5 credit cards right, but my total debt/credit line ratio is only like 30%... is this bad?... |
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 If I close the credit card I've had five years, and open another, how does that look credit wise? |
| I've had the same credit card five years, and have never been late with payments. However, I'm planning to pay that card off and have it cosed in exchange for another with lower interest, ... |
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 Doesn't rent count as credit? |
| I've applied at places like Kohl's, Sears, local grocery store, and online. They all say I have no credit. I even got my credit report from one of them and they said I don't have bad ... |
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 Did my coworker get what he deserved? |
| About a month ago I pissed off one of my coworkers and he called me a c*nt. I am not one to get mad, just even. So I let it go, knowing that his time will come. So...low and behold a creditor just ... |
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 I need to know a debt consolidation company for payday loans? |
| I need to pay these check advance places but I need help. Do anyone know of a debt consoldation company that will do this?... |
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 My credit rating is very very poor, I've been paying everything on time but its not improving? |
| I noticed about 8 months ago that my credit score is very poor(511) so I took the nessary steps and got my 3 open accounts up to date I also cleared 2 defaults lately and took my store card below its ... |
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 Which should I pay off first Motorcycle loan or Credit Card? |
| I just got back $2500 on my taxes, I'm going to use it to pay a good amount off but which one should i put it towards to? I have a bike that I owe $3523.99 at 7.25% or the CC which I owe $6023.33... |
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 I want/need a new life, can I leave my debt behind? |
| I've been going through a real low point in my life for a while now. Last year I broke off my engagement when I realised it just wasn't what I wanted. Don't really know what i want ... |
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 What's the best credit card for a new adult (18 years old)? |
| I'm about to turn 18 and I'll need to get a credit card, so that my parents cannot control my money any longer. what is the best kind to get and why (visa vs. mastercard, APR rates, ... |
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 Can you go to jail if you didn't pay your check advance? |
| My friend didn't pay his check advance at a check advance place. He got into a bit of money trouble and can't pay it back. What will happen?... |
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| How can I get out of debt? Anyone moved country? |
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beccap
|
Okay here are the best 2 debt advice lines.
Consumer Credit and Counselling service
www.cccs.co.uk
0800 138 1111
National Debtline
www.nationaldebtline.org.uk
0808 808 4000
These are both free phone numbers, and both funded by the government. They offer a number of different ways to help. For Example, get rid of certain debt if held for over a certain number of years, they will give you your own adviser etc.. all for free. |
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frisbee45uk
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i would get it touch with citizans advice bureo they will help you about your debt, but if that fails leave the country..xx |
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john_banana
|
Contact your creditors directly and arrange a realistic repayment plan. Don't use these fake companies who claim they can clear you in 5 years, you'd probably be able to do that yourself anyway, without an IVA (mini bankruptcy) on your record and without lining their grubby pockets.
If you run you had better find somewhere good to hide. I assume you can't afford to go sunbathing in Northern Cyprus for the next six years which is how long it would take for the debts and your record to clear. If you are trying to emigrate to find work they will run a UK credit check on you before issuing a visa or work permit.
Of course if your debts are more than you could earn, let alone need to live off for the next 5 years, see the Citizens Advice Bureau about bankruptcy. Speak to them BEFORE any glitzy debt consolidation firm. |
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sunnyannie
 |
Moving country does not make you any less liable for your debt.
Contact the Citizens Advice Bureau or Debtlinr. They will help you draw up a budget taking into account your income and outgoings, primarily repayments. Cut up your credit cards and learn the difference between want and need. Do not be tempted to take out a consolidation loan (it's still a loan) as it will leave you thinking you can afford to take on more debt. You can't. Speak to your creditors and ask whether you can work out a payment plan. Aim to pay more than the minimum payment each month, even if it's only a penny more.
If you have anything you can sell, sell it. If you can get a better job, or another job, do. But remember this will not make you richer - you are doing the additional work just to clear your debts.
Figure out what you actually need to live on for food and essentials. Put all the rest into paying off your debts. When you have cleared one debt, don't think you then have more money - put that into clearning another debt. Think long-term - it may take you several years to pay off the debts but the time will come when you are debt free.
If your debts are too severe then speak to CAB about an IVA or Bankruptcy. The latter can seriosly ruin your life, so is to be avoided at all costs. Do not speak to an "Independent Financial Advisor" or Insolvency Practitioner as they often charge. Financial advice should be free, and no one should pressure you into buying anything. |
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masonv80
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Dunno, if you find out let me know! |
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Howard A
|
Life is not always easy and not always difficult. None will move out from country as there are various solutions to get out of debts. One of the solutions is taking a debt consolidation loan and get out of debts by paying lower. If you do some hard work simultaneously then you can pay EMI's easily. So go & get a loan from http://www.loans11.co.uk and move out from your debts.
Please let me know if you want any other help. |
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fris
|
I think self-discipline and self-control is very important. Don't eat out so much or buy frozen food. Best is to cook yourself, it's not that difficult. Also don't be tempted to buy unnecessary things when you go shopping or day out.
Make sure you have a habit of saving some amount of money from your income. If you already in debt, make sure you pay it off as soon as you can (whether from the amount you save)
Try the following site to workout where most of your money goes. (http://www.lloydstsb.com/budget_calculator.asp) Then plan out where you can cut down the expenses.
Another good tip is apply 0% purchased credit card (normally 3-6 months) depending the bank. Use the card for your grocery shopping, petrol and so on. As you don't have to pay back until 3-6 months later, use the cash you have in hand to pay off your debt (remember you need to pay minimum payment each for the 0% purchased offer). With this method at least you can save some interest on your debt.
BUT Don't overuse the credit card than what you can afford, use it wisely if not you will build up more debt.
If you are retired, then it is a good suggestion like selling your house and move to other country where things are cheaper (due to currency exchange). If not don't bother. |
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John
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Pay off the bill in full. |
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Sarah X
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It cant be that bad, Just make an expenditure plan. thats what im doing |
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willow
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If you've got a house to sell and you can we some profit on the sale then you could move to france or spain or somewhere else thats cheaper than this rip off country. |
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Jay
 |
Sit down with a piece of paper. Work out your incoming and outgoing necessities. Work out how much money you have spare and use it to pay off your bills. Spend more time staying in and less time going out. It doesn't take long if you stick too it. |
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lornalmnopqr
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I spent way to much money for what I earned, I just worked on a tight budget to pay it off for as long as it took. And sold loads of stuff on ebay and at car boots and did odd jobs, saved all my coppers...every little thing to help. Cut up my credit card..and left my debit card at home when I went out. The sense of achievement was great when I paid it off! |
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blue
|
Try contacting a company called Payplan. The web address is www.payplan.co.uk they are really helpfull. The will take in to account what you have coming in, and what you have to pay out. They will then come to an agreement with you as to how much you can afford each month, and they will contact all the people you owe money to on your behalf and set up a payment plan. They will then ask you to set up a standing order with a bank, and they will take the agreed amount out each month and pay your ceditors. They do not charge for their services and are very helpful and friendly.
I hope this help to put your mind at ease. Good Luck.
Just have to say before I go, this is NOT a loan, you are not taking on any more debt so don't worry. Do not go to companies who charge for their services they are only out to make money out of you and not to help you. |
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Steve B
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Looks like you are a girl ..
There's only one answer == find out which of your boyfriends is most willing and able to help you out and marry him ... your ONLY other alternative (Plan B) is to STOP SPENDING MONEY ...
Since, in my experience, telling some-one in Debt to stop spending is like saying 'stop breathing', I suggest you stick to Plan A. |
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gary b
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Hi.
This site is well recommended for FREE advice on debt management etc....
http://bestukloans.co.nr |
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