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Starting University in September and have £7000 of debt.
Hi all, I'm 27, starting Uni in the autumn and as the title says, have £7000 worth of debt. I'm not sure how much I'll be able to shift by that time as jobs are very hard to come by in my area and I can just about pay off £1 a month. However, I'm still getting stung with charges and constant phone calls from Indian Call…
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Advice on Full and Final Settlements
I have recently come into a bit of money, if I can negotiate well, I can probably wipe out all of my debts with this money leaving me debt free. My question is this: When offering a Full and Final Settlement I know I should ask for confirmation that the debt has been settled and that anything on my credit record should be…
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Can anyone help with my credit card shuffle?
Hello, I'm pretty new around here, just wondered if anyone can help me with a credit card shuffle. My husband and I have quite a large credit card debt between us, which we really need to tackle. The upside is we are not currently struggling to service the payments and we do not spend any money on credit cards to fill any…
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Sealed pots and penny jars - a help or a hindrance to DFW's?
I know a lot of people on this forum like to use sealed pots, penny jars or whatever to save up their change. I always think that they are a bad thing, as the money that is in my jar could be just enough to stop me from having to take that extra tenner out of the bank or stopping me from making that extra small payment to…
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DMP Help
I have recently looked at taking out a DMP with Payplan, i have given them all the details and was about to go-ahead when i realized i couldnt include one of the creditors from my list of 8. I explained this to payplan and they informed me i couldnt drop them from the list, i have spoken to this creditor and they have…
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advice on stopping bailiffs please
first post and looking for urgent advice please. have had bailiffs calling to my house concerning a debt run up by a family memeber who no longer lives at this address. she hasnt lived here for over a year but hasnt changed her address and has now also taken out new debt using this address which she isnt paying. I am…
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BCW Arrestment of bank account
CCA should be the last of the three letters that's been suggested in this thread thus far. I'd go 'Prove It' letter first. Depending on what you get, if you get anything, SB letter. If they send something that has a record of payment(s) under six years old, ask them to provide absolute proof that these payments were made.…
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can someone please help with advice
hi there, i have been hurt at work, and currently signed off by Dr for 3 weeks, it will probably be longer.. i am on a dmp with cccs and they have been really helpful,my mortage is up to date, debts just lots of loans and credit cards. my inury occured as a result of my job, more physcological than physical, but does…
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yet another trail of CCA requests
having a second more serious cca chase , two link accounts mbna origonally , letter this morning usual !!!!!!!! one point i need conformation on they state they will be sending me a copy of the present terms & conditions no douibt two seperate sheets of A4 accompanied by a poor illegible copy of an application form , the…
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I'm getting confused.
I had a creditor default a credit card way back in 2005, around April time. so I was expecting it to drop off around April this year. Now, they rang us just over a year ago and agreed on us clearing the debt at a significant reduction of what we owe. I recently noticed that on the experian report it now does not show as…
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Advice GREATLY appreciated please?
I had started a debt free diary but failed. (Shame mode invoked!) I need to get things as straight as possible. My situation has dramatically altered since the diary so here goes: I'm expecting a baby in July with my ex-gf, moving back into my parents in May & turning 30 in August! My financial situation isn't great but it…
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DMP set up
Hi everyone Im in the process of setting up a DMP with cccs and am currently getting all my statements together and filling out the papers from cccs. Can any one tell me how long it took cccs to get their DMP up and running, was it a matter of days weeks or months after posting them your papers? Thanks :)
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what to do with out debt
Hi me and my husband have 2 personal loans totalling £35k, this has been gradually building over many years due to 2 lots of maternity leave pay cuts at work and childcare etc. We are really struggling to pay minimum payments but just about do it the loans are now for 7 years they are personal loans so not secured on our…
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Fairfax Solicitors over payment of income support
for the past 2 years I have been paying £10 a week to DWP for an over payment. I was at the time working. in December my job ended and I claimed JSA. Last week I started a new job I get just under £200 p/w and started making payments again to DWP.This amount is now down to £4676. I had a letter from Fairfax Solicitors…
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Saturday/Sunday 12th/13th March - What small DFW things will you be doing this weeken
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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Scotcall Please Help!
Hey , ive been looking for some information about this company i have had a mobile phone bill passed on from orange which i refused to pay for there such poor service and over priced charges the bill is now £600 and scotcall keep ringing and sending me letters , They keep ringing my landline number which is not my…
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Escaping the gym membership!
Hiya, I wonder if anybody can help me. I signed up to the gym last year (July I believe) and I signed a contract for 12 months. I was told, at the time, that I could only cancel after the year was up and I would have to put it in writing three months in advance. I've been quite good and used the gym a fair old bit. I'm…
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Limited Company CCJ help
Need some help as the stress is really starting to build up now. I setup a small company 2 years ago which has been moderately successful, I tried to venture into a different market & failed miserably. I/the business literally have nothing left but owe a company approx £9,000, which there is unfortunately no way of paying.…
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Lowells
I to have receive a letter firstly of Lowell and then within four days one from Red word for word as stated above, I sent the template letter but have'nt received a reply as of yet giving them 28 days that was 14 days ago. the main reason I sent the letter is i think it as been seven or eight years ago but have lost track…
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in need of some advice.
hi i am new to this forum and in need of some advice.... In 2009 my partner was made redundant and then in 2010 he was diagnoised with a brain tumor which he had to undergo 6 weeks of raidotherepy. As for two years we lived off his redununcy and my wages we have now got to the point where we are maxed out on our cc and…
