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Advice and Motivation needed for a newbie
Morning all, My partner and I have been remaining in the most positive frame of mind we can while scaling back and tackling or debt. Today I'm having a slump day and feeling a bit lost as how I can further reduce our outgoings. We currently go into our overdraft (up to £1350) every month. This past month we lost £350 in…
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Getting data removed from credit file
Hi. I have just found out that I have a debt outstanding on my credit file which I am payin off in full. How can I get this removed from my credit file as I am applying for a mortgage next year? Thank you for your help
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Debt Management
Hi all, I currently have £8261 on 4 different debts. Current Loan = £1620 = £177/month. Overdraft = £1300 = £20/month Credit Card 1 (18.9% interest) = £316.66 = £49.99/month. Credit Card 2 (0% Interest) = £2195 = £30/month. Total debt is £8261. All are paid each month on direct debit. I can afford the payments, but I would…
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Annoyed at myself
Hi all, Long time lurker... hopefully this is the correct place. I believe I already know what I need to do but just after some validation really. So recently, my circumstances have changed. I asked my husband to move out after I'd had enough of living with what felt like a teenager. I kept a record of all my outgoings (I…
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Plodding Through Debts
BUDGET Weekly Income 128.45 Benefits 006.00 Apps134.45 Weekly Expenses (082.32) Unallocated (030.00) Food, Household and Toiletries (008.47) Water (007.23) Electricity (003.67) Broadband and Phone (001.61) Tenants' Insurance (001.15) Mobile Phone134.45 Other Funds 027.08 Google Opinion Rewards - taken as Google Play credit…
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Equita and council tax
Hi, I am aware there are multiple threads regarding Equita and their conduct, but I thought I would start my own thread for clarity and to seek advice. My wife had two outstanding Council Tax bills, due to her flatmate at the time not paying. As they were both liable but the old flatmate has disappeared, she has been given…
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Hph2 ltd ex-lloyds (help)
Hello. I have no idea what this could be, Our client - hph2ltd ex lloyds banking group Court name - CC of northampton business centre Amount due 886,31 ( warrant) I have 10 days to contact is the provie it letter still actual?? If yes can someone help send original text and how i should do it? Im not aware of any debt i…
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Feeling like there is no way out
Hi - I've been on the phone earlier today to a company to discuss an IVA. My debit total is around £4000, I'm really confused as to wether l should go ahead with the IVA or contact my creditors and work out a plan with them. l'm a working single parent who just wants to get rid of the debuts that I have occurred.
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Need to get things sorted
Hi All, I have been trying to sort out my debts but have recently been issued with 2 new CCJs which I now can't defend as they were sent to the wrong address. I am at the point now where I think a debt management or IVA might be appropriate, however 1 of my debts is a previous mortgage which was left after my property was…
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Debt instruction from Robinson way.. Advice greatly appreciated
Good afternoon, I have this morning received a letter from a company called Robinson Way instructing for a debt I have no recollection of. They claim to be collecting on behalf of HPH2 LTD. (ex HSBC), but when I have called HSBC to confirm this as I wouldnt want to ignore a debt I legitimately owe, I have been told that…
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Cabot Financial - Debt Collection Company in Dublin chasing me in Northern Ireland
Hi, hope you all are feeling positive - even though debt / money worries, really does get you down. I've just moved back to Northern Ireland after living in Dublin for many years & I have an outstanding overdraft of nearly €2000 owed to the Permanent TSB. It was originally around €1200, but now there's penalties included…
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LCS Phonecall?
Hello... I am new to this forum business so please be easy! Haha I had a text message today saying the following; Please contact LCS today regarding account number IDS00025**** on 0344 411 3254 quoting reference 1626**** & I thought it was spam so Googled the number then judging from what I read I decided to ignore the…
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Capquest legal action, advice needed?
I took out an account with Littlewoods in 1998. I had a perfect credit score and never made a late payment. In September 2008 I ordered some Christmas presents for my children, it wasn't until Christmas day that they were opened and we saw how damaged they were. Littlewoods said they were not responsible as I should have…
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What to do about my student loan?
Hi all I'm seeking opinions on this! I have no consumer debt nor mortgage (my partner owns the home we live in outright). I am currently saving for a property that will be rented out, although I want to pay cash so this is a long savings journey. I still also have about £11k in student loan debt. Should I pay this off…
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Dwp debt managment overpayment
Hi All, I have a debt to pay back to the DWP and this was going back since 2004-2006. I have paid back over over 3000 -4000 back to DWP, but i have still outstanding DEBT of £10,984. i am currently paying £10.00 a month, but i do not know how i am gong to pay the complete debt off. Is there a compassionate reason they can…
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We’re debt FREE!!!
I just feel the need to shout from the roof top that we are now debt free. Its taking two years but we have done it, we had few times when we were tempted to use some form of credit but we managed it get through. I feel the need to share our story. We where like any other normal family, we had credit cards, personal loans…
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Advice for a newbie
Hello everyone I am looking for some advice on how best to tackle our debt. At the moment we have £1300 catalogue 1 £900 catalogue 2 (husbands) £1100 next account £1000 credit card 1 £1200 credit card 2 £1200 overdraft At the moment we are paying more than the minimum payment to each account monthly. We have a combined…
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Defaults due to end, still on DMP, what next?
Hi, I have been on a DMP for almost 6 years. Initially I made larger payments as I was living with parents. I now live alone (rent a place) and outgoings have gone up considerably so I still make a payment but its under £100 a month now and has been for 3 years. 1 of my 4 defaults has fallen off my credit file now, and 3…
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Getting back on the ladder
My wife and I are looking to up size from our one bedroom flat and have seen a few houses that we like but we have around £20k worth of debt. We have got a very good offer on our flat but we are still around 18k shy of what we would need to buy the house that we would really want. We would plan to pay the debt with the…
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Court Action by 1st Credit Finance - How to respond?
Hi everyone, I am looking to for some advice on how to deal with a County Court claim from 1st Credit Finance relating to an old HSBC Overdraft. Apologies if this is posted in the wrong place but couldn't find anywhere more suitable. To cut a long story short, some years ago I lost my job unexpectedly and was no longer…