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Considering DMP and other options
My position is that I have considerable credit cards debts (£35k) that I am very ashamsed off, and I have at last faced the issues. I have posted some time ago - got some very helpful feedback but stupidly did nothing about it. Now I have faced all the figures (which was hard work) and spent time considering all the…
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Help with court forms
I'm in the process of filling out some court papers for rent arrears and am a bit stuck on what to put down in the expenses section. Do the courts have a maximum figure as to what they will accept for outgoings such as housekeeping, travelling expenses and clothing? I'm not sure what figure will be classed as reasonable by…
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Status Barred applicable to mobile phone co's?
Hi I've just received a dca letter that relate's to a mobile phone which was last paid 1997. I've had 2 letters per yr now since last yr nothing previously. I've never bothered about them cos I thought they were status barred, but just wondering now as i see on this forum that mobiles are not under a CCA? It's not showing…
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Unrecorded Enquiry on Credit report
Hello, I have just checked my credit report and two searches have been made by Lowell Finance who I know are DCA's but it says they are "unrecorded enquiries" Can anyone tell me what that means? Many thanks x
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Barclays unable to provide CCA
Hi, I have been on debt repayment plans for over 5 years and have managed to reduce my debt by half. I was originally in Debt by over £100k and have now reduced it to around £52k. However I was sick earlier in the year which meant my earnings were down and I struggled to keep a couple of payments. I wrote to Barclays to…
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claiming ppi refund
Hi I cannot remember when ( although it is within 6 years ) or my policy numbers for my loan insurances / credit cards , what do I write to them on the letter ? G
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*Daily Chat Thread 17th Sep DAY 5**
Todays goal is to PRIORITISE YOUR GOALS This is not necessarily the first one that would be completed. What you need to think about is which goal when you achieve it will have the most impact on your life. No them in order from 1 to however many you have....so my list is: 1. Get my earning potential up to £35,000 2. Become…
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Fri 17th September - what small DFW things will you do 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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advice needed
Hi - I need a bit of advice re my niece's debt. she is 22 years old, has been unemployed for about a year, and has just returned to college to do a Diploma course in childcare. she was claiming JSA, but has now applied for ALG, which is less than JSA, but she is being fully funded, inc tuition fees, travel, and extra…
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Here we go.....
Well, after a lot of discussions with DP we have decided enough is enough and we can't carry on like we are especially as I (only wage earner due to genuine disability) could potentially be made redundant in 6 months.... Here is our SOA Summary Monthly Budget Summary Amount(£) Total monthly income 2,799 Monthly expenses…
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weekly planner
Howdy, I am in a bit of a pickle. Most of my bills are paid by monthly direct debit and I get paid weekly. I am trying to gain a hold on my outgoings and could use a spreadsheet or some other monitoring tool to calculate how much I need to budget on a weekly basis. All help greatly appreciated
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its fine at the start of the month..
..when i have paid the debts from my wage.I then get worried and think of them throughout the month, as though i am not doing enough.anyone else the same? or am i just weird lol
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Cabot chasing debt from Barclaycard from years ago
Hi Need some help with this please. Have had several letters from different companies about a debt (Ruthbridge, Mackenzie Hall) and now Cabot Financial. My reply to all these companies was the CCA request letter with the £1 cheque. I heard nothing from Ruthbridge or MAckenzie Hall but Cabot acknowledged this and have sent…
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N9A Form. What is it?
Just got a letter today, addressed to my brother with N9A faintly visible inside.. He doesn't live here anymore, (moved back for a bit when he moved out of his house). He's over 30, i'm under 20. I'm worried it might be serious, and there will be no way to pay it off. Also, it says Defendant in black above his name. I…
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DMP Vs. Balloon
Hi, Today I have entered in to a dmp with debtline (not national), i am already reading that i may live to regret this decision? Anyway, my car HP agreement ends this month with the option to own the car outright by paying the balloon (ford options). I desperately need a car for work, and equally do not want to go back to…
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Bad Advise by DMC how do I reclaim my £500 fees ?
Hi All, Back in may I realised my debts were getting out of control. Emotionally I couldnt cope so decided to get a DMC in ! they advised instantly that an IVA would be appropriate this advise was given without taking my husbands income into account. At no time did they recommend a DMP. I paid them over £500 in fees and it…
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making a complaint about unauthorised payment
Hi, My bank is over drawn by £45.72, It has now shown up as Cash Genie & Lending stream, I have just entered a DMP and have informed them of this but they have taken money out any way Can they do this? I havent said take the money out my account! How do I make a complaint? Who to ? and What to say?
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payment protection missold
Hi I have a debt with mbna and I had payment protection , I tried to cancel it a couple of times but they were bvery persuasive and I kept it on , If I claim for it would mbna take their bat home and become awkward on my management payment plan to them g
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CCD Advice
Sorry if you have seen this on the CCD thread - but someone has advised me to post on here as you guys can normally advise... I know that this is my fault but I have had a number of credit card bills for years and now I am getting concerned. i am up to the limit on 2 out of the 3. I don't have a problem paying the bills…
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Settlement Figure from Welcome
Hi Folks, I'm going to be clearing off my current Welcome loan (when my PPI refund is finally paid in to my account!). I received a statement with a balance of £866 but when I called for a s.fig they offered £917...? Would that be right and if so would I have room for negotiation? My account is pretty clear no defaults or…
