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How should I fund this repair?
A small dilemma....., I have a £1000 Emergency Fund. I only have £50 left in my Household repairs fund due to just decorating my kids' room. They are 5 and 11 and keep wandering into next door. My fence panels have been down for months and I can't stand to look at my neighbours unkept garden more. I usually have about £150…
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Self-employed Money Dilemma
I'm a single man, 29, with no children. I've just moved back into my parents because I've ran out of money. My total debts, including student loans stand at about £30,000. I decided to leave university where I was studying engineering, and started working on a puzzle game. After a while I realised that there is no possible…
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Can voting help reduce my debt?
Does who i vote for in the european elections make a difference to my debt. For example ukip want to put tax up to 31% this leaves me worse off every month! Shouldivoteukip.co.uk
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Is there any real benefit to a !!!!!!?
Currently going through Payplan with current debts, however from time to time I am offered a !!!!!! from a few creditors of around 80-90% off. I am not close to a mortgage at the moment however would like to be closer in the next 5-10 years. Am I right in thinking that a !!!!!! will look worse to a possible lender than…
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What small DFW things will you do today Monday 12th May
When we start out on the Debt-Free Wannabe trail we do loads of big "stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the Gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of…
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Lowell and disputed 3G debt
Good evening all, I have recently had checks as have many on here by Lowell. I have read all of the previous threads in relation to this company and issues people are facing. I too unfortunately have a debt issue (3G Mobile) that has been going on from 2008 to which I have tried many different approaches to no avail. I…
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Ccj letter from drydensfairfax
Hi all, its been a while since i last posted so please go easy on me! I received 2 letters today dated the 6th of May; 1 from northampton county court the other from drydensfairfax. The df letter states they are planning to go to county court the court letter states that they've issued a judgement right down to how much a…
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Dispute over money
Hi, I wonder if anyone can help me at all? Sorry if this is a bit long. I've been purchasing goods from a local farmer for feed for over 20 years, always paid cash. I had an outstanding balance that I didn't want to add to, so in Dec, I went into shop and asked if I could purchase items if I paid for them there & then (and…
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Motormile finance annoying me
For the past few weeks, I've been getting recorded messages on my home answerphone from "Mike" of Motormile Finance, telling me to call them or they'll come to my house. The thing is, I have never had any dealings with this company, and no outstanding debt (except up-to-date mortgage). The messages don't mention any name…
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DCA query
I have a catologue on my credit file from 4years ago for 300pounds they are not chasing me but have lots of debts and want to clear my credit file. Is it worth ringing them and asking to see a signed contract as i know i havnt signed one. Or shall i leave it if im not being chased and concentrate on something else?
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Debt collector help
Hello I wonder if anyone can advise me to cut a long story short I owed ebay money (through no fault of my own that's another story and I have to pay up end of) they wouldn't allow me to do so in instalments so have passed it to a collection agency. They call me up to 4 or 5 times a day when I'm at work and unable to…
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Should I consolidate?
Hi everyone, long time lurker here. I have used everyone's good advice over the years so thank you for that. I have currently £14,421 outstanding 1 overdraft (£2000), 1 family loan (£3000) and 4 CC's (£the rest). The credit cards are all on 0% BT's at the moment, the family loan is interest free and the overdraft will…
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70 percent of 5000 written off?
Hi I keeping getting phone messages left that suggest 70% of debt up to 5k pounds can be written off but I am dubious about returning the call. It suggests there is Government Legislation covering this. I thought I would ask here as I am not sure if its scam or IF there is government info (link?) on this? Thanks in…
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Help with a council tax issue
HI all I apologise now in advance as this could be quite a long one, and I’ll try and explain it as clearly as I can but it’s quite complicated.. This time last year I had a letter through stating I owed council tax from March 2008 – May 2009 on a property I used to own jointly with my ex partner. Due to a relationship…
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Statute barred debt still on credit file!
First of all I have searched the forums and unfortunately the information I've found isn't always consistent. I live in Scotland and I believe Debt becomes statute barred after 5 years, however it seems Debt will still appear on credit files for 6 years as that's when CRA automatically drop the data. Anyway that's how I've…
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Advice needed ro Marstons
Iv'e had a visit from a debt collectoricon from Marstons at 6.30 this morning claiming I owed an outstanding fine to the court for no insurance on a car, (the car in question was parked on my drive with tax, with a blown head gasket and a SORN had been sent to the DVLA as advised by my insurance company). The debt…
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scotcall limited
I wonder if anybody can help me. I had a debt with lloyds tsb some time ago..the last payment i made to them for this debt was almost 6 years ago i dont know the exact month i just know it was the summer of 2005. This debt got passed to various creditors, i have had the odd letter over the years the last one was a couple…
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Scared and alone
Hello, I have been a lurker on this fantastic forum for a while now... But things are getting worse for me so I needed to post for some advice.I really need help. I have huge debts that I am trying to deal with, I am currently on a dmp with stepchange... I have had pretty poor luck recently so I haven't been able to pay my…
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T-ImpossiMobile :(
Can anyone help? TMobile have referred a debt they claim I owe to Moorcroft. I took out a 24 mobile phone contract with TMobile in January 2010 via a carphone warehouse store. No hassle for the 24 months, all great. I decided to cancel my contract in Feb 2013 and called to do so, only to be told that I couldn't as I had…
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Sat 10th/Sun 11th May '14 - What small DFW things will you be doing this weekend?
When we start out on the Debt-Free Wannabe trail we do loads of big "stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the Gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of…