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Moorcroft Chasing me after not hearing anything for 4 years!!!
Hi Four years ago being young i got myself several debts adding up to around £4000 I got myself a second jobs and paid all of these off except for one my orange phone bill. I had contacted orange to pay it all off but they always told me no they did not have any account for me they would chase it up and get back to me this…
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How Do I Get Out of This Debt!
After a combination of divorce, self employment and unemployment, I find myself with over £26500 owing to 3 different credit cards. I am now lucky enough to be in a farely well paid job and have paid back all of my credit card arrears. The problem is this however; I am paying back almost £600 per month across the 3 cards,…
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Settlement Offers for DCA's
Hi all! I have debt with 3 debt collection agencies: Eversheds - Who are a complete nightmare!! Luckily this debt should be cleared by the new year! ARC - Just over £3000 Moorcroft - £1100 Anyone ever offered these companies a settlement offer? If so what could I offer thats likely to get accepted?! Thanks
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Am i scewed
long story short, while with partner she gave me some money, quite a bit. everything was fine then sdhe became not a nice person to live with, so left, now she is saying i owe her the money back and is threating to take me to court saying it was a loan, even though it wernt a loan i offered on numberous occasions to give…
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starting again
Right I need to start everything over. I don't want this debt forever but I also want to live a bit. Debt = 10413 SOA: Income = 1276 Rent = 346.66 (includes bills) Travel = 50 Food = 50 Mobile = 35 Tiscali = 30 (landline, internet, tv) Mum = 30 (paying mum back, she knows nothing about the debt) Tuition = 50 (changes) Web…
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Have a moan HERE!...
It seems many people, including myself, are not having the greatest of days and are feeling a bit like this little guy :wall: SO here's a post to have a good old moan about whatever's on your mind. Let's get it all out of our systems so we can have a better afternoon! I'll start - I'm annoyed, angry, fed up and…
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The diary of an impulse buyer!!!
Hi guys! Well iv decided to start my own spending diary with inspiration from Lizzie!!! I am a 22 yr old female student and work part time in a clothes shop! I am contracted to work 8 hours per week but am getting around 16 which is likely to increase over xmas! I got myself in to debt at age 18 when i was working in a…
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Question about credit file and items 'dropping off'
Hi I need some advice about my credit file. I'm desperate to try and get it to a 'good' standing as I'm going to have to re-mortgage early next year :( I understood that items dropped off your file after six years, doing some research on the net a lot of people think that is seven years. Also, when does that start from? I…
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what to pay off?
Okay due to getting in difficulty earlier in year i ended up with 2 payday loans and a logbook loan. Now ive managed to keep up 80% of payments whilst working but now find myself out of a job again and with one wage to come end of this month which will leave me with £800 free. However im owing more on these 3 loans and in…
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Time to deal with my debts
I have looked at this site many times to help me deal with my debts and have now finally decided to post as I feel I am now in desperate need of help. I will post my SOA shortly. I am having sleepless nights due to my debts, and I have read other peoples posts saying it gets better once you post on here and deal with your…
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Housing Benefit overpayment
Good morning all, i am trying to sort out my finances but debt coming from everywhere even these i did not know existed.. what a mess.:confused: back in 2005 i was on housing benefit and i recently receive a letter about this. i was not aware about the oustanding debt i though i was all paid off. however i spoke to someone…
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government debt scheme
Government debt consolidation scheme If this is a bad idea or has already been considered shoot me down in flames :D With many people drowning in debt this is the idea i had 1. For example you owe £10,000 to 3 different credit card companies - £3000 - £4000 - £3000 2. A government backed scheme agrees to lend you the full…
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Creditors Moving Up a Gear
Hi ...last week we had a letter from a credit finance company, who have been passed my husbands credit card debt from Goldfish (which was earlier this year taken over by Barclays). We have been on the CAB DMP for almost 18 mths now, and all of our creditors accepted our offers, albeit reluctantly. Now, we have this company…
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Monday 17/11/08 What small dfw things have you done today???
:D When we start out on the DFW 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 progress,…
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** DAILY CHAT THREAD 17th NOV**
I've been waiting for someone to get the thread started, so I figured I'd better do it myself :j MORNING!
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Selling on of debt
General question: Is it actually legal? Lying in bed worrying about my debts, having dealt with & through the CCCS for the past 6 years, now being faced with redundancy in the New Year it got me thinking. I now deal with (& pay) Moorcroft for the debt on my Egg credit card. Have Egg "sold on" the debt to Moorcroft, or are…
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Favourite Moneysaving Websites
Evening all :hello: I've recently trained as a money coach with a debt charity and a few of us are helping to run free classes locally to help people with budgeting. We are planning on making a fact sheet to hand out which lists a good selection of websites that could help people in debt and with general moneysaving and…
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American Dreamers' Debt Free Diary
Hi Good People, I have been inspired by some of the diaries that I have read on hear, so much so that I have decided to start my own. I have used spreadsheet budgets for about four years now and because my debt increased and I took on creditor after creditor, I rehashed them constantly. As a result, I now have the most…
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Marstons...again!!!
Hey there! Iv posted about this before but things have now changed!!! Well, i got a fine for a driving offence for £250, as i couldnt pay it with 28 days (im a student) it went to marstons bailiffs, i had a letter n then letters saying a bailiff would be coming. The amount by this time had gone up2 £475. The bailiff came…
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Bailiff threats and currently no income - please advise!
Hi all, I'm new to the DFW board but I'm really worried! I am about £30k in debt! It's made up of several debts, at different stages of default. Until very recently I was working part time in a combination of PAYE and self employed work What I was earning was barely covering my rent so I stupidly hid my head in the sand…
