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Hmm... Am I living with parents or furnished tenant?
Hey all, I am moving back home to my moms for a year or so to get my funds back on track! I was just wondering now whether I am "living with parents" or a "private furnished tenant" I will be paying her a a fixed amount a month as my "keeps" but both categories match what I am doing What looks better when applying for…
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which to pay off? help
Need some advice from you DFW, husband has lloyds overdraft of £1933 and loan of £3400 with £1900 arrears on it. He is in a payment plan with lloyds for both and they are coming down slowly. i have over the last few months been able to scrape £1900. I did this with the intention off paying of the arrears on the loan (17…
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Pay or not to pay that is the question?
Hi I currently experiencing finance difficulties and accounts with several lenders are due to default, I have been looking into this and have found out a settled default is just as bad as a non settled one so it made me think why should I pay? I know there will be people coming on with comments like “you lent the money so…
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Thankyou
Firstly I'd like to say thankyou. Thankyou to all of you for the posts that you have spent time writing to each other that have not only helped the intended recipient but also helped people like me who have lurked these forums for the past couple of years. I'm certainly not out of debt yet but for the first time in maybe…
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Beautiful, May 26th chat thread
Another stunning day here, up to date with washing so no washing machine on for me today :) decided to try the hoover on the floors downstairs because my hip is hurting today, and brushing the floors irritate it more, took longer but the floor is cleaner, so gave them a wash and rehoovered when they were dry, even did…
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Showing my Ignorance
A couple of year ago my husband missed several payments on loans and CCs - ultimately ending up in a DAS (Scotland). Does this mean he de-faulted on his loan and CCs? I'm not sure if being late is defaulting or if they actually issue you with a formal default notice. Many thanks. Miss P :)
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Address needed please
Good morning all I am in the process of entering a DMP with CCCS and have written to all my creditors, but anm having trouble locating an address for a payday loan company called Cash Choice, i have called the number on their website but it just rings and rings, and have sent a fax to them from work, but i am having no…
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Weds 26th May - What small DFW things have you done today??
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, when…
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I have received a Staturory Demand 268(1)(a)
Hi Everybody! My son has been chased by a on-line law firm about a debt he has doubts about. He buys from Fruit n Veg wholesale, lots of cash transactions, etc...no receipts , no signed delivery notes, etc.......then out of the blue, 2 yrs later, on Sat 22nd May, he is visited at his stall , by some geezer thrusting a few…
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**UPDATED** Been a bit ill... *eek this is hard to admit*...
Hi Look this is hard to admit but... I've been ill (mental health) and I've totally lost track. In 2005 I was the wife of a soldier, we moved house a lot, so I hadn't worked in a while. When we got married I'd had a job in IT on an OK salary and a bit of an overdraft. Nothing drastic, about a thousand as I recall, with Nat…
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very very tight month, any advice?
get paid on 20th of the month, and for the first time in over 4 years have hit my overdraft limit of £500 (actually £600 overdrawn due to a credit card DD) and 3 weeks+ to go til payday, can put most things on my card, as i usually do, but housemate moving out has left room empty for a month, and 2 new tyres, service and…
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CC Payment freeze a possibility?
Hi there, I have been a lurker on this site for ages (originally to find out about reclaiming bank charges - done successfully!), but this is my first post about debt, so be gentle with me :) My husband and I have accrued in the region of 40k of credit card debt in the past 15 years whilst he was doing a PhD and I was…
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Full and final settlement question
This may of been asked before but i just had a quick look and couldnt find anything. I owe a total of £2,000 to two creditors and have a lump sum of £1,500. What are the effects of asking for a full and final settlement for £1,500 compared to waiting until i have the extra £500 and paying the debt in full on my credit…
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Help trying to clear overdraft
Hi all, Last year I struggled to live on my wages and living on my own, and ended up knocking my overdraft up and up. Eventually it got to £1200 before the Halifax wouldn't put it up anymore and it made me realise the mess I'd gotten into. Unfortunately, although I'm in a slightly better financial situation to be able to…
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marlins financial services
has anyone had any dealings with marlins? i am oln a dmp with payplan, and after being on this for 8 years all my defaults are off credit file, un fortunately one of my creditors were yorkshire bank and they recently sold my debt to marlins who have now put another default on my file for the same debt which will now stay…
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Mercantile Date Bureau
Hi, First my debt started with MBNA which was taken over by DLC. I have got an agreed minimum amount with them. I had a letter from these on the 12th April saying they have been instructed by Hillesden Securities Ltd to contact me about my unpaid debt. Basically saying for me to call them. Then another on the 6th of May…
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Help for old debt needed please
Hi I am hoping that someone on here can kindly give me some advice. I previously got some advice on here but it hasn't worked. My ex-husband and I took out a loan with Lloyds Tsb for 10,000. We then split up not long after. The loan was in joint names but the bank only persued me for the money. I refused to pay the full…
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Ripped off By Builder
Hi I have been inspired to create this thread after reading the predicament that LisaWaters (Mike) found himself in which was caused by a rogue builder. My situation is similar, let me explain…… I asked a builder to turn my 2 bedroom house into a slightly larger property, this involved redesigning the entire layout and…
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Old debt advice?
Hi all, I have a CCJ due to me defaulting on a bank loan I had a few years ago, and I also have a couple of old credit card debts which are now with debt collection agencys. I could really do with some advice about how I can get all this sorted. I have dealt with a charity run debt help service in the past and all I got…
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My SOA: The Ugly Truth
Here's my SOA. The ugly, hideous truth. My recent relapse has seen me ramp up a debt of £1,000 on a previously cleared credit card, go way back into my overdraft and generally behave like an utter fool. I can't believe how bad this has become. Seeing my spending laid out below has really shocked me, I mean check out my…
