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Advice on Lloyds / Moorcroft
*UPDATE AND ADVICE NEEDED * Hi, for the past year of so I have had an agreement with Royds on a loan I have with them to pay a reduced monthly payment. Over the past few weeks, they have started sending letters asking for the arrears to be paid in full. This is even though I have a letter from them agreeing to a reduced…
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Sorting out finances
Hi Guys We've been on a DMP with CCCS since November last year, all is going well and the DMP has lifted a huge amount of stress of us. I am working through each debt and reclaiming PPI and Charges on each account, again a massive thank you to this site. Whilst sorting out my OH's paperwork I noticed that an account that…
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Credit checks
Hi, Another post - sorry guys but I have a lot of questions! I recently had a credit check for a car finance company (I'm glad they turned me down tbh, don't really need more debt!) and was just wondering how long the checks will stay on my file for? I know that if you search a lot then it doesn't do you any favours, which…
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How do you keep to your budget?
Hi there, I've recently gone into a DMP and am on a very very tight budget - and struggling. Could anyone give me some tips on how they keep to their budget and how they resist the temptation to buy things they shouldn't! Thanks in advace :)
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Barclaycard and MBNA Full Final Settlement
Hello there Well i posted a couple a weeks ago to say that i had offered Barclaycard £1800 as offer for a £3k debt and MBNA £1200 for a £2k debt. Due to being regular payers on a monthly payment plan ive a feeling this is why or offers were rejected. Would it be advisable to keep holding off from paying anything so we…
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Advice Please
In 2007 I was made redundant and luckily found a new job fairly quickly earning more money. However the job was 150 miles from my home and I was relocated by my new firm. They continue to pay my rent in the NW now but have been unable to sell my house in Bucks. This agreement is up for discussion at work soon and Im a bit…
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Cheques clearing & fallen off the wagon again :(
I paid a cheque into my Barclays account on Thursday about lunch time, my "current cleared" amount is showing as a minus- when will the cheque clear (I was actually going to transfer the whole amount to my savings but have made a huge spending error and will prob have to use some of it/keep some in my current account to…
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Student loans and defaults
Hi, oh and HELP please, I have defaullts on my credit file from my days as a student. one of these is coming off the file in 6 months, the other in a year and six months. i have not made a single payment towards any of them in 6yrs. Only last week NATWEST had no record that i owe them almost £2000. they advised me to go…
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How Long before Natwest freeze Interest?
Hi, we're on a DMP with the CCCS and have been for a year now. It's all going well, with the debts slowly coming down. All of our creditors have accepted the arrangements and frozen the interest, so that the debt will reduce, apart from Natwest. Some have passed the debt on to recovery agencies, who again have accepted the…
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Is my debt partially statute barred?
I was wondering if those in the know could comment on whether my case is partially statute barred? I have been asked to pay back an allowance from an employer I am no longer working for. This is from the period 2000 to 2008. This amounts to about £5000. I was in a higher band of this allowance than I should have been. The…
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Cold Feet with DMP
I was due to set up my DMP for this month however I'm now only going to set it up next month as I can afford this month normally. I am however getting cold feet, I have just found out that my wife is pregnant and as of January we'll take a drop in salary and then 9 months of maternity pay and my wife will not be going back…
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CCA request question
Hi, i posted a question regarding asking for a copy of my CCA earlier so forgive me i dont wish to ask the same questions again, i am fimilar with what i need to write and what letter templates to use from this forum, but i have just one concern i would like some feedback on please: i have been asked by the DCA to send an…
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•○•○ May The 4th Be With You - Daily Chat •○•○
Well.....it had to be done eh? Morning all - what's everyone up to? I've just sorted the banking out - I can now confidently say that we will be debt free by Christmas. :j Today I need to...* Post ebay parcels * Post music magpie parcel * Find and send a birthday card * Buy slug pellets * Clean bathroom * Cook something…
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Tues 4th 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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Fair Full and Final settlement help please please
have debts of around £22k. I have an inheritance of £10K. I want to know best how to proceed .. debts as follows and what I am considering doing, but advice sought on what right approach should be. What is a resonable amount to offer each . Got into this situ overspending and then dropping income ie , daughter off to uni…
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Debts not showing on credit reports
Hi again helpful people I have obtained my credit reports and am surprised to see that some debts I have previously been chased for by DCA are not showing on my reports. I am certain they are not more than 6 years old either. Any one have any ideas please? Thanks again.
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Hoping to end DMP
Hi, Due to two recent changes in circumstances I should be able to increase the amount of my DMP payment to an amount that is more than the original contractual payments of my loans! First change is a decent payrise and the second is moving in with my girlfriend which should reduce my outgoings. I know that in the next…
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Overdraft
Hi Im looking for some advice. We desparatley want to reduce our overdraft & the bank have said we should take out a loan to clear it. The loan is £2,000 over 3 years (£76 a month). We currently have a £2,000 overdraft and pay £31 a month for it. We fluxuate between £1,000 & £1,800 in the overdraft depending on the time of…
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Its official, I am debt free! Thank You Everyone!
I just wanted to say a massive thank you to everyone (Ms_London and Rochdaleboi in particular) for all your support/inspiration and help. I will be 26 in June, and it feels great to have no debts whatsoever, its been a hard four years of no social life and no big purchases! and I am glad I have finally made it. Good Luck…
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Do you think it will get better?
Hello, Just to let you know that I am 31 and spent the last 10 years accruing credit card debt. I could kick myself now, but I sppose what is done is done. I used to see credit cards as free money and then I saw them as tools to live on when my outgoings (credit card bills and loan) inceased - the horrible debt cycle!!!…
