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Accepting Help From Family?
Hi, i am really working hard to clear my debts but every time I seem to get my act together something happens to throw it all off plan! We recently came back of holiday to find out that my husbands boss had gone bankrupt whilst we were away and my husband had to find another job quickly, he did but the pay isn't any where…
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URGENT - Advice Please
Havent posted for quite a while but could use some advice re debit card transactions I had motor & home insurance policy with Swinton and due to a difficult month i had to cancel the direct debit. I had the letter stating they were cancelling the policies and but there were amounts now outstanding of £91.35 & £42.08…
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Increasing Debt - advice on what to to
Hi All I'm self employed and sales over the last few months have taken a big hit, seems to have been worse since the general election, I have also lost my two biggest clients due to their cut backs over the last year, so my turnover has dropped considerably. I continue to market and chase leads to try and recover these…
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help please
Hi all i have just checked my credit report and there are defaults from lowell group however im sure they must have brought a debt as i dont know who they are? i want to pay them but not untill i know where the debt originated.I do not want to ring them as ive seen on here ringing is not a good idea so whats the best corse…
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Ripped Off by a Claims firm - Debts 'Unenforceable' Law Change in Scotland ?
Hey everyone Last year I signed up to a firm who told me they had a 93% chance of making my debts unenforceable and would get my creditors off my back. I paid them a 'Review' fee of £324 to look over 3 Credit Cards which afterwards they said they were confident in winning my case for me. They also said 2 cards had PPI…
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Going into a DMP and hoping to become super thrifty. Any advice would be appreciated.
Hello, I've spent most of the day on the website and am feeling really excited about the prospect of eventually becoming debt free. Despite having racked up quite a large debt, I do realise that in many ways I'm quite fortunate as I've got a good job (a middle manager in a state comprehensive school). Until my pay goes up…
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Needing some help!
Hi, This is going to sound really stupid to some people, but it is genuinly concerning me. I owe some money on some utilities, this was due to the company fluffing up when i moved in to my property. So i set up a payment plan to set it up. Now because of this, and the fact of income support one of my other bills has had to…
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Has eny one had dealings with Money Expert and/or Immediate Financial?
Hi all sorry if I not put this in the correct place, I have debt which I now have the means to clear but with the intrest on intrest my best estamate is it will take me 30 years to pay off, Money Expert (not moneysavingexpert) have gone through my situation and say thay can take over my debt and clear me of the debt in…
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Can creditors charge interest on CCJ's?
Hi there, I'm new to this site so apologies if this question has been answered already. My husband and I have a CCJ and we have received a letter from our creditor saying they will be charging interest on the amount we owe. I may be wrong but I thought interest was frozen on CCJ's, or they can only charge interest on debts…
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Credit Score Questions
*First of all, I hope this thread is in the right section - I'm new to the site - so if its in the wrong place, apologies and can a mod move it for me?* Ok, so my quick story - I was a student and got into some bad history with my credit - defaulted on most of my accounts and I'm still paying the price today in repaying…
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Albion Collections Threat
Hi! We have had a plan with cccs up and running for a few months now and all our creditors have seemed to be ok apart from Halifax. The debt was passed to their in house collections team, Albion and for the last few weeks we have has letters from them with ever increasing threats. The one that arrived today says -Our…
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Soa
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1392 Partners monthly income after tax....... 1600…
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Thought debt was statute barred, its not. Advice required
Hi all, Over the past few years I have been successful in paying off well over 10k of debt (maybe even 20k now), something which I am proud of and hope to continue increasing until everything I owe is paid for. To get to this stage, after many years of struggling to meet a large number of minimum payments after my wife…
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So where is the weekend DC then???
Here it is............... Thought I'd do the honours as it's already 11am!!
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SOA - hope you can help!
Hello, I am in the process of splitting up with my partnet of 11 years and I am determined to keep the house, but it means it will be a real struggle for me financially for a little while. I want to live by myself, at least for a few months and then I do have the option of renting out the second bedroom - but that would…
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Liability Order
I missed the final payment of council tax for last year and received what looks like a summons issued by the council for non-payment of council tax (thats a different matter as i thought only courts could issue a summons), with an added £65 costs on top . I paid the outstanding council tax right away but not the costs and…
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motivaton needeed
hey everyone.ive been on a dmp for about 8 months now and have been steadily reducing my 11k debt-very slowly. should be debt free in about 7 yrs if i continue as i am. Just feeling really depressed about it all. i was supposed to be going to a cheap day music festival with some friends and i had been looking forward to it…
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catalogue debt
sorted thank you everyone for your help
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Sat/Sun 24th/25th July - 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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DMP v IVA
we're currently needing to chose which of these to go with(payplan referred by NDL). what are ppls experiences with these? do companies tend to change the terms of a DMP part way through, do they tend to freeze interests & charges or keep them piling up? IVA's: we have negative equity on our house but am concerned about…
