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really pleased with myself!
:DOk I am a long way from being debt free however I feel I am making inroads. I changed my life insurance from £129 a month :eek: (decision made under pressure from financial advisor) to £49 a month, and pet insurance from £21 a month to £7.40. I have been incredibly naive about money and am just realising how much it…
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over paid council tax benefit help
Hello, I'm posting this for my dad really, he had a letter a few weeks back saying that the local council had paid him too much council tax benefit (around £390) so he took it down to the council offices, who told him to pay what he could afford. He is currently on JSA for a single person which I believe is £65 p/w paid…
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Robinsons Way refusing to remove mistaken default notice – any suggestions?
Robinsons Way have recorded a default on my credit file for utilities used at an address when I was not resident there (I had sold the property previously). I can back this up with my solicitor’s letter with the dates of sale and exchange of keys etc. This proves beyond doubt that I had sold the house before the dates on…
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advice on debt and credit rating.
Hi there, Not sure if I'm posting in the right place but I need some more advice! I am thrilled to say that my CC is paid off, in full this month and have never defaulted on this. Well not for at least 8 years anyway. Plus I've been told that because of my OHs bankruptcy the council are not seeking to recover the whopping…
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Help needed quickly!
OK, we have been trying for ages to sell our 4th floor maisonette, mainly due to my wife and son's health problems, house finally sold last month and we found a private rent to move to on monday (28/2), house sale was meant to be finalised on tuesday (1/3). We heard yesterday that the buyers have not been able to get their…
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Weekend 26th/27th February - What small DFW things will you be doing this w/e?!
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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What direction to go in with my debt?
Hi all, I'm sorry my first post is asking questions, I usually make a point of introducing myself to forums first but I had a visit from a man from Moorcroft Debt Recovery today so wanted to get on it pretty sharpish. Basically I've had a debt with Lloyds for around 4 years. It started as a student overdraft, then I went…
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To get a loan or not?
Me and my partner moved in together in June after I had finished university, he finished the previous year but had been unable to find a job. During university and both of us being unemployed we have got into £9,750 of debt. Luckily we have both now found jobs, I earn around £1,100p/m (I work as a healthcare assistant and…
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debt free solution
Hi over the last 12 months ive managed to get into debt adding up to about £6000 and developed a bad credit rating!im 20 years old and working full time earning about £1200 a month! ive tried applying for various loans to pay off the debt im in and have it all under 1 payment as im struggling no loan company seems to look…
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Received letter from Moorcroft - can't find the right letter to respond
Hi everyone :) So, I've been on a DMP with Payplan for about five years, and am half way through paying off my debt. As far as I am concerned, all my creditors have accepted the payment offers, interest has been frozen, everything is ticking along just fine... The other day, I get home to a letter from Moorcroft, which has…
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Almost there - for all those long haulers!!
Hi All This is my first ever post, (have been a regular lurker for the last 6 months) so here goes. I had my LBM back in May 2007. I had 22.5K of debt on credit cards, personal loan, store cards, overdraft etc and I had reached the point where I could not cope any more. In 2006 my husband had been off work for some 10…
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Help with a question or 3
Hi all, Just wondering if you knowledgable people can help. I have a debt with a CC company and according to them i have defaulted on our aggreement, but they are not sure when, they think it was 3 yrs ago, how they dont know beats me. Anyway they tell me now they are selling the debt to a DCA. So questions are, 1) I would…
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Debt advice virgin! Help please!
Unfortunately I defaulted on a bank loan 5 years ago as I was laid off work and couldn't afford repayments. I initially got the loan as I couldn't afford my rent as I was in a poorly paid job and found it difficult to cope finacially day to day. At that time I suffered a bereavment and my mental health deteriorated…
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PLEASE help ... Cash Choice Payday loan) Nightmare
I have signed up for a DMP with payplan and am about to degfault on my loans on Monday which should be my payday. Bit nervous about it, but glad to finally be sorting it. However tonight i was looking through all the emails I've had over the months and I have realised that I have had one PayDay loan for 14 months. i…
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Help - house gutted by thieves
Hi My grown up son moved out of my small terraced house in a deprived area, leaving it empty and I was considering whether to rent it out as the house prices have dropped quite a bit. He had been covering the very low mortgage costs plus his living costs, which suited us both. I live 3 hours drive away. Last night he rang…
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Help with bailif please...
I got into a mess with council tax after my husband lost his job and we missed a few payments, it was taken to court and of cousre the order was granted, i dont object to any of this. I rang the council on monday as i had heard nothing since, they told me they had sent a letter and it was now with the bailifs who i also…
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Debt management
Hi, I know the old saying goes to never take out more debt in order to pay off other debt but we have a few debts and it seems just difficult to pay off them (not in the sense that we cant afford the repayments i just dont seem to be getting anywhere!) My credit card - £450 - 24.9% APR Evans Card - £400 - 24.9% APR My…
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Being chased for a debt from 11 years ago
Hi, I am hoping somebody can help me. Me and my husband have recently managed to avoid going on a dmp by taking out a consilidation loan. I know thats not usually a good idea, but we had a lot of creditors but only owed each quite a small amount, but the repayments for each were quite high, and we were really struggling,…
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advice needed
Hi, I have loads of debt and have just lost my job. My husband works but we are about £400 short next month to make repayments. I have new job starting in 4 weeks, so it is a temporary shortfall. We are going to be able to pay all our debts off within next 3 months and to be honest a poor credit would not be the worst…
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capquest /natwest saving account
hi, sorry I don't know if i'm posted in the right place as I have never posted before but was hoping somone can help. I recieved a letter from capquest demending £169.94 in relation to natwest stating they would take me to court, the letter was addressed to mrs instead of miss. I wrote to them with the prove it letter, to…
