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Low Life, sorry Lowell
I am having fun with lowell and Red debt and Hamptons. I am just waiting for them to take the threatened court action. I can prove I don't owe the money they sayI do. I have at one stage given them the correspondance to show the facts, they have lost it, I'm not about to go through putting it all together again. Can anyone…
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Lowell/Vodafone problem
Hi Could any of you lovely people give me some advice? Around a year ago I got an unexpected letter from Lowell portfolio saying I owe 60 quid for a vodafone account dating back to 2005. As far as I was concerned I had paid that off at the time and nothing was wrong. I rang Lowells and asked them what the hell it was all…
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Help!
Please help I feel like I am Sinking!! I have around £3600 worth of debt £1100 of this a Payday Loan which is more than my wage -I have had a bad 12months but have been making very positive changes and feel it is now time to take charge of my debts and be the one in control! Any help would be really gratefully received.…
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Converting Money SPENDING Expert to Money SAVING Expert! The debt-busting mission!
Hi all, Been lurking on this website for a while now, finally decided to take my head out of the sand and do something about my debts. Debts had initially been accumulated over the years due to mental health issues and gambling. I managed to pay down most of it due to my previous LBM but it wasn't really that bright.…
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separate finances question...
hi, been reading this forum and had experience with friends and was wondering if it was unusual to have complete finance transparency with your other half ?? I've been married several years we both work but every aspect of our finances is shared. i.e. at the start of the month we look at a spreadsheet and estimate our…
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Credit Rating help please
Hi, i would really like some help with my credit rating, i was curious as to what my score was as personally, i expect it to be terrible, so i did two things: Purchased a credit score through Exprerian, Purchased a credit Score through Equifax Experian returned a score of 999 (excellent) which i find hard to beleive, and…
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Debt Settlement
Hi, This is my first post. I'm hoping for some advice. My husband is currently in a Debt Management Plan (with the CCCS), and has been paying a minimal amount towards debts (that currently stand at in excess of 40k) for 8 years. Quite frankly, I would have thought they had given up all hope of getting their money back by…
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Budgeting help please!!
Hi, Well Im trying my best ( or almost my best ;) ) to keep on the DFW pathway but again I've spent more this month than I planned.Firstly I've cut down but still have the odd splurge moment - nothing to extreme but I've learned that cards or cash are both difficult for me to manage. And I've done some extra work but the…
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Insure pets...or not?
I have 2 dogs, both have had health problems in the past but are healthy now. One is 5 the other 2. I am trying to budget as much off my debt as I can and I'm looking at the pet insurance (about £25 for the 2 of them, not each) and thinking thats £300pa that could be going off my debt instead. My concerns are - If I don't…
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Settlement figures, consolidating debts?
Hello all, I think this is the right place to ask; we have debts of about £45000, and i have just received an inheritance, so was thinking about paying some of the loans off. We asked for some settlement figures and were offered small discounts, and one loan we would have to actually pay more if we settle early. Anyway, I…
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Old council tax bill and liability order - advise on charges please?
I have a bit of a situation with old council tax bill and the saga is still ongoing. Here is the story: - Liability order was 13 November 2008. Balance due was 369.81 plus 65 council's collection fees. I have paid the collection fees to council. - 4/3/2009 first visit from bailiffs, charged visit cost of £24.50 - 27/3/2009…
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Creditor applying interest which is more than my payment!
I have been with the CCCS for a year now and on a DMP. It has gone well and in many ways taken away the immense stress I was feeling. But, to my absolute horror I have discovered that my Santander loan has risen from 8500 to over 9000 !!! Upon further investigation I discovered that whilst they have accepted the 87 reduced…
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Woo, that's the big one gone!
OK, I'm not in a massive amount of debt compared to some here - about £2500 in total, comprised of a £500 overdraft, £200 and £1300 credit cards, and £500 catalogues. Today is payday. And bonus month. My bonus has cleared the £1300 card, slicing my debt in half in a single blow. Now I just need to leave it alone.
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Weekend...
I am off work for the long weekend. Good Friday and Easter Monday. Its gonna be hard!!
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On track for debt free now have baby due...
Hi All, I was hoping to get some constructive critisism. I was on track to be debt free in December (fingers crossed) however we have now discovered that I am expecting (we have been trying for a while) I am worried that with the possibility of my wage going down that we won't be able to afford all our bills. As you can…
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Worry, worry and more worry
Its a worrying time for me right now. Its difficult to manage but after reading the leaflet on Mental Health & Debt I must admit to feeling better about things today. I have suffered from depression and anxiety for about 4 years and after my marriage broke down the spending has gone completely mad. I have loans, credit…
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Advice Appreciated
:mad::mad::mad::mad: I had signed up with Credit Score Matters to check my credit rating :mad::mad: wish I hadn't and now have had £19.95 taken from my account by Rewards Now - even though the membership was cancelled well before the due date. Does anyone reckon I can claim this back. I am just so angry with myself. The…
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Can anyone help me please? Council Tax debt, Scotland
We have been issued with a Charge for Payment by AA Hutton Sherriff officers for unpaid Council Tax of £392. I arranged a payment plan with this company last year but defaulted due to losing job and not telling them. We were issued with this on Wednesday. We have 14 days to pay or they can arrest our wages/freeze our bank…
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Urgent help please - advice
I really need some advice today, i hope you can help me??? the situation is this..... -Ran up £4k o/d with santander -been paying arrangement £150 pm -arrangement now ended & they wont make another?? -account with their in house debt collectors -they called me this am & said that account will be passed to debt collectors…
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Thursday 21st April - What small 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…
