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now I have a plan.
My last thread was taken down by the team as it contained a lot of comments from others that were too personal and out of order. For now I would just like to say a huge thankyou to those that commented with constructive thoughts and gave me great advice and most importantly were non- judgemental. For the record, yes I have…
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Court Interest Charges
Hiya all, My friend has a debt of £5000 to an individual ( a very long story ) Anyway it went to court in 2012 and because of circumstances this has not been paid In Jan 2014 he received correspondence from the individual asking for the £5000 for which she agreed to do by the end of March which was agreed - via email…
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Debt? DEBT? DEBT?! How much?
Hello, I wonder if you could help me. I have a LOT of debt. Mostly I can't even remember who I ow too. Is there a way to find out every bit of debt I have? Thanks
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Finance Express?? Who is this likely to be??
I may be back for more advice .... If and when my brother actually asks me for help...! In the meantime...I'm just trying to get a bit prepped by finding out what I can first... 82yr old Mum just off the phone to me in a panic saying she has had several calls for my 59 yr old brother from this co. He lives at home,…
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Bank of Scotland question
Not sure if I'm posting in the right place, apologies if I'm not. I just wondered if anyone knew if the bank of scotland was one of those banks that let you pay in money (and not charge) on the day a direct debit went out. I messed up a deposit in my bank other account so am unable to transfer the money over to the BOS…
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Debt free day has arrived!
All, After 5 years I am debt free and it feels great! Thank you to everyone for your support, it is great to know there are people in similar situations. To everyone on a plan, keep at it! To everyone struggling with debt and unsure what to do, the sooner you get started to reduce it, the soon it will be over and you will…
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I see a glimmer of light ...
Oh my goodness, just wanted to say how amazing this site is. I am not a regular poster and have been on and off the site since 2008 but finally the S has hit the F and I needed to get a grip. In desperation I came back on as a regular two and a half weeks ago and this has been enough to kick-start me into action, stop the…
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Coming out of debt
Hi All - I wondered if you could answer a query? I have just under £2k left on my step change plan and I've just been left a little money in a will. This will cover the entire amount so I'll be able to finally be debt free! my question is, is it worth contacting each company directly (7 in total) and asking them for a…
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Saturday/Sunday 26th/27th April - What small DFW things will you do today?
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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How best can I pay off my debts with the money I have?
Hi All, I'm just looking for someone in the know to help me figure out some repayments. I have a 7500 Loan with First Direct paying £224 PCM, I have 29 months left on a 36 month term APR is 5.1% I have a Sainsbury's MasterCard with £2200 sat on it @ 7.8% life of the balance. I have a barclaycard @ 10.9% with 800 sat on it,…
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Churchwood Finance
Hi, So I was looking for a way out and churchwood offered me a plan! Th need of the month will be the 1st time that I am paying them but they have the worst communication and I would like to cancel. In the terms and conditions it says I can cancel but itl take 2 weeks n my creditors would have taken money in that time?…
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What to clear first?
Just after some advice? Iv got 2 defaults at the moment one for £153 from Virgin media and another from Halifax for £2200 I also have a CCJ from unpaid uni fees which were supposed to be paid by SLC who withdrew their funding after I'd left uni so I'm stuck with this! Iv just got a full time job so would like to clear my…
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Back on the wagon!
After being stuck on the benefit trap for a few years iv landed myself a decent job on around £18000 a year. Iv just got my credit expert trial and I am quite surprised so looking for some advice! A little about myself: I'm 27 single mum of 3 young children 3 and under! I now work full time 5 days a week child are is all…
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Going on holiday when you're a DFW?
Hi all Just wondered how many of you factor in a holiday to your budgets whilst paying off debts? Some may disagree but we have agreed to include this in our budget on the following conditions- A) it doesn't add to our debts B) it doesn't affect our debt repayments I'd be interested to know if others still plan a holiday…
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What is the best way to get out of debt when income is less than debt?
Hi, I live by myself and I work full time 40 hrs. I get paid $15.45 an hour, after taxes,401k,ect and all take home is about $950 roughly. Thing is, I have about 5 grand in debt. made some bad choices ect long story... i want to fix it. The good news is, I'm down to one credit card with a balance. The other 2 had small…
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Not sure where to turn
Good Evening. I'm looking for a corner to turn for advice as no one is allowed to give me any. OK here it is. Me and my wife unfortunately got into debt of a region of 28,000. When i spoke to someone for advice about debt management they directed me to a Company called Price Sterling. After going through all of the intro…
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Sat 26th April/Sun 27th April - What small DFW things will you do 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…
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final offer! what offer did you put in to clear debt!
Hi everyone! Would first of all just like to say how much this site has really motivated me! And i do know that if it wasnt for reading everybodies experiences i would still have my head stuck in the sand just ignoring my debts and hoping they would dissapear! The question i would like to know is how you all got on with…
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How do you balance your finances?
Basically we are a family who keep going into our overdraft. I'm thinking of separating our bank account into two. One for bills and transferring enough funds to cover them each month and the other one for personal spends and food. I'm fairly frugal but I'm trying to figure out if this system will work for us. How do you…
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Default Query
I have just checked my credit reports with Equifax and Experian as a number of old defaults were due to have dropped off. There is now a default on my credit record from Motormile Finance. It states it is for a payday loan, amount £195. Start date 21/07/2008 and default date 01/12/2012. The loan is linked to an address I…