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disheartened with CCS DMP
Hello all, sorry if this turns out to be an annoying newbie question you get asked alot but ive been on a ccs dmp for nearly three years, i started off with just under £10,000 debt from 3 x credit card companies, I know have just under £10,000 debt from 3 x collection agencies.I started off with 8 years to clear my debt…
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Payday Loans: Responses to repayment requests
Hi Like some others here, I made the mistake of taking out one, then another of these. Eventually had to bite the bullet and make arrangements with all creditors. Responses received from the various companies as follows (may be useful to others in the same boat): Payday Express : sent me income and expenditure pro forma…
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Council Tax Debt on Credit Report?
Should a council tax default show on your credit file? I went travelling 6 years ago but left owing around £500 on my council tax. Since I've come back (3 years ago) I've made no attempt to hide from them but they haven't contacted me yet and the debt isn't showing on my credit reports. Should council tax show on my report…
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Hopeless Case
I have buried my head in the sand for many years regarding my debts thinking that I would always be able to sort things out. I currently owe £50,000 on credit cards and am paying off a £15000 bank loan. I am just about able to meet the payments by going to my overdraft limit but I can't see any way of reducing the credit…
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Dmp
I have been on a DMP for just over a year, most creditors have accepted the arrangement. I still have access to credit on 2 catalogue accounts and have a small vodafone contract, i have still been paying them, since they only had low balances. I know your not really supposed to take any new credit on a DMP but i plan to…
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Query: Egg money wrong total
Hi Can any one help me out with this? Not super debt-free wannabe but I'm sure some of us (!!) use credit cards and this forum are very helpful so I am more likely to get a response. I do my day to day shopping using an egg money card and every Tuesday and Friday do my banking to check nothing untoward gone on egg card or…
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Daughter may not be able to do her final year at Uni
Hello Everyone Once again I am desperate for help and advice. My daughter as you may remember has suffered credit blacklisting by Experian (and the others I suppose) due to sharing a Natiowide Flexaccount with me which for various reasons show 7 missed payments. She cannot now extend her student overdraught because…
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HELP!!! T-Mobile charging for Phone I dont Have
Hi All, I wonder if anyone can help me, I started rebuilding my credit using martins advice 2 years ago. Lasy year I noticed and entry for t-mobile on my credit file. Though it wasnt showig any defaults I contacted equifax to get it removed as that contract ended in 2009. The background of this is I had a t-mobile internet…
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Where the hell do we start?!
Hi, I'm a newbie on here, and taking the first step to sorting out the mess we are in. We moved to Australia last year, we have a mortgage on a house in the UK and have tenants paying rent, which covers the mortgage and also the loan we have with Halifax. We also have about 8k in credit card debts which we thought we'd be…
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What's the most cost effective strategy for paying off a 0% credit card?
Ok we have £8000 in credit card debt. This is obviously not good but we have seen the error of our ways etc. The debt is on a 0% card for the next 18 months, an we plan to just keep moving it til its paid. If we stringently and boringly budget we have around £300 over a month. This is not completely fixed and some months…
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Friday 15th April - 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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Wide Awake & Worried
Morning all, joined up this forum late Jan 2011 with a post https://forums.moneysavingexpert.com/discussion/3008618 explaining how I had got into my mess, just woken up for no reason really worried & haven’t done that for a while, think it’s because out of all the companies that I have written to & explained what…
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remortgage or continue paying cards?
30,000 of debt do I put on mortgage or keep it separate don't know what to do!!
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Hullo, I'm New.
Just thought I'd pop in and say hello as I join the long road to debt-freedom... A bit about me/ us: In our 30s, 2 children and 1 income. I lost my job just under 2 years ago and we had to relocate, which meant that my partner's part-time job had to be left, and she's not found anything else where we are that would cover…
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Loan or the cc?
I'm looking finish my degree later this year and there are a couple of options: a) attend a reasonably near Uni for 2 years (need to do 12 modules @ £305/module = £3660) b) do it via an English Uni online for a year (need to do 5 - 8 modules - depending on the Uni = between £2200 and £2800) Although option A would be…
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New here, hoping someone can help me sort my money out once and for all
Hi, I have around £6-7000 worth of debt. My mum tells me to just go bankrupt, pay the £450 fee and be done with it. Is this the easiest option? I feel like whatever I do, debtwise, at the moment, is completely wrong I just want it all to go away The debts have amounted over the last 10yrs since I left home I set up…
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Do TPA's really work?
I have just arranged debt help with CCCS and they have recommended a TPA. Just completed the letters to send off to my creditors offering £1 a month towards my debts. Which has got me wondering - do these work? would a company that I owe thousands of pounds accept £1 a month (all be it on a temporary arrangement)? I have…
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Getting a mortgage after deefaults drop off
Hi Folks. I have had 3 defaults. All lenders agreed partial settlements. The last default will drop off in February. Has anybody managed to obtain a mortgage after their defaults have dropped off?
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Notice of Intended Court Action by Halifax & possible charge on our house...
I've been making regular token payments of £1 per month to them coz we're on benefits and we have no money left over each month to pay any more. We have 5 or 6 different creditors and these are the first ones to take this step. They say they'll apply for a charging order on our property if we don't pay but what exactly…
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Nat west chat
Well today i went for a chat purely voluntarly at Nat west the situation is as follows basically we have about £25k of unsecured debt inc a nat west pl of a balance of £15k. Our mortgage balance is approx £130k with santandar which our 5 year fixed deal ends in november they have told me i can secure a new rate in July.…
