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Bit of Guidance
Hi all, first post for me today, just looking for a bit of guidance really. Below is my (our) SOA; on the face of it all looks relatively rosy with amount outstanding for repayments, etc. but as you will see there are a number of arrears that are not currently being tackled. Essentially these were built up by my partner in…
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Thursday 9th Sept - 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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Warning New Doorstep Loans in Sheffield
If you live in Sheffield and over the last 3 days had a leaflet posted through your door offering a doorstep type loan, could you please get in touch with Handyman123 about it. It is alleged that the Guy behind this is only semi legal. He started off as a Loan Shark. When not if you can't pay, he uses illegal methods to…
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deidre
Hello everyone I am new to this and think I have figured out how to post a message. Have been a credit card tart for years but have now come unstuck and a in debt crisis. We have £500 a month left after paying essentials, i.e.mortgage, food, fuel etc. Min payments on cc's are £1200 a month and have been using overdraft to…
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Saving buzz
It it just me or do you get a buzz out of saving/clearing debt? I've recent started saving in an ISA as well as making he usual payment on the CC and I love it! I get as much enjoyment out of paying say £500 off the CC as I do spending the £500 on a holiday. I just sit there looking at the statement with a big smile on my…
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Sterling Visa Card
I have a Sterling Visa card which is part of the Bank Of Scotland group. they are currently asking for £400 per month on a 9k balance. I have had this card for around 25 years. can I assume that there will be no chance of them having a copy of the CCA
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New - SOA
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 4 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 870 Partners monthly income after tax....... 1408…
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Ful and final settlement offers
Hello friends, Long time lurker on this forum, and have picked up some cracking advice from you all, thanks. I have 4 debts (3xcredit cards and 1xbank) all of which have been passed to collection agencies and the interest frozen. Balances are roughly £6.5k, £6.7k, £1.2k and £2.5k respectively, and I have been paying them…
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SOA Help please?
Hello, I am new and have just completed the SOA. Does it save somewhere as the window is closed and I can't find it!!! Fortunately I copied and pasted it into word but just wondered if it is somewhere on here for me to find? Sorry to sound so vague .... did I mention I was new!!:) CS x…
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Orange Phone Bill/Moorcroft Debt Recovery. Help!
Dear All, I really need some advice. A few months ago I received an orange phone bill of around £200, admittedly the bill was my fault and as I couldn't afford to pay it I stupidly decided to bury my head and ignore it. I know that this was stupid of me and I should have made more effort to pay it straight away. I've now…
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Clearing Debts
Hey, My debt problem is really starting to get me down - i just can't see a way out and thre seems to be so many sharks out there that i don't know whose advice to trust! Basically i owe around £7500 for a Personal Loan, £1500 Overdrat and around £10,000 in credit cards! It's all my fault, i realise that ut i need to take…
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Looking for advice/help
Hi all, I originally posted this on the BR forum but hopefully one of you may beable to help. My sister has got herself in a bit of a financial mess. Since 2008, she has managed to incur debts of almost £9K:eek: She is a single parent and works part time. Thankfully all her household bills are up to date so that's a tick…
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Tortured by debt management companies?
Where do these people get my number? I've had 4 calls today on my mobile and 2 on the landline from various companies. I've had calls from various Debt Management companies, various payment protection companies, Do you get these calls? I'm on the TPS but it hasn't made any difference. They have really taken of this past…
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Debt advice needed! Please help
Hi, I'm really hoping someone can help me in regards to my brother's situation. I've just come back to my parents (it's a religious day) and everyone is out at mosque. I decided to have a read of a new book that my brother had brought whilst I was waiting for everyone to come back, and to my horror, as I pulled the book of…
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Debt Collector Keeps Calling
Hello all, I had a Capital One credit card referred to a debt collector. I first learned about that when the collection agency started calling me and leaving voice messages asking me to call back. I found out that the company is called Global Credit. I proceeded with finding their website and sending a DV letter to their…
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help? slowly sinking!!!!
hi,firstly thank you for the time to read about my problem. my wife is registered disabled,so i have been the main breadwinner in the family.we have one child.money has always been tight and the debts have slowly risen,to such an extent that it stood at £26,000 at the start of the year, this was entirely credit card and…
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Debt chasing letter - is it statute barred
I've received a letter today from a credit agency chasing a debt - knowing that my credit file is now clean after many years of hard work i've checked back on my old credit reports and it refers to an old debt. The details on my old credit report are: Date Updated : 09/09/2002 Start Date : 19/06/2002 Date Satisfied :…
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Aktiv Kapital
Hi - I was wondering if someone could clarify my understanding please? I have previously had a default on my credit file that was recorded in 2006. This changed to 'Settled' approx 2 months ago - at the time I had no idea why! However I have checked again today and I have a new record form Aktiv Kapital for the same…
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Next directory default
Just wondering whether there was any advice on this matter: I had a next directory account with an outstanding balance of just £150 (most of which were charges) In severe financial difficulty then i was unable to pay it. Myself and partner entered into debt management on 17th march 2010 (yes we pay for the company but are…
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Truly shocked....SOA etc so here we go!
Hello friendly people Finally decided to get my head around what we owe and how much we spend each month. I am truly shocked! I was guessing we owed about £20,000 but it's a lot worse than that :( How on earth will we pay all this back :( :( :( A lot of our SOA is guesswork as I don't really know how much we spend on going…
