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snowballing website whatsthecost down?
Anyone else having troubles with the snowballing website today ? I cant seem to get it to load at all :(
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To save or not to save
Hi all, I've been in debt for some years and have had to make do with the minimum payments for some time paying off a bit extra when I'm able to. I'm in the position now where I pay off my personal loan on Friday :T and will be 100 a month better off. I've made a plan to snowball this money with other debts to hopefully be…
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Wed 29th June - What small DFW things will you be doing...??!
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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In need of help and guidance
Hi, I've been recommended to this site by a friend and am hoping I can get some help here. Basically I have a lot of different debts racked up in different places and am now in a bit of a problem. I'm 24 and I racked up 90% of this debt when I was 18-19 and foolish with money. However, I do have some light at the end of…
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Newbie in need of some help
Hello, Me and my DP/OH have just started renting our first house together and are finding it very hard, I am basically a stay at home mother but do 5 hours a week at £5 an hour so my salary is never guarenteed. Therefore my DP is the only real source of income in the house. We have our DS who is 16 months old and I love…
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Equifax
I just up an account with Equifax to check my credit score but it says I've been billed £14.95. It says I was a memeber since February 2010 I thought this was the free-trial, but on closer inspection it seems that I canceled a payment (from looking through old emails) last year. I was sure I just used Experian (which I…
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clearing debt advice
Hi all, I'll try and give some background and set out the facts and figures before asking your advice... I run my own business, nothing earth shattering, more of a lifestyle choice that has enabled me to be at home as our children have grown up (one is now 10 the other 7), and my wife has worked part time. This probably…
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Lowell Portfolio I
This morning, i received a letter from a company introducing itself as Lowell Portfolio I claiming that an outstanding debt, from Capital 1, had been sold to them on 25/09/2008 - for the sum of £406.98 No other details pertaining to this debt, other than the name Capital 1,an account number and LPI's reference number,…
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Rockwell
I had a loan that defaulted back in 2003 with intelligent finance. I also had a credit card account with them also that defaulted the same year. The two were not linked in any way to each other. I just did all my banking within the HBOS group. In 2009 Rockwell called me to try and obtain money back for the intelligence…
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Stuggling with debt, any advice welcome!
I rented a flat last year with a friend and it has all went terribly wrong I am now back at home and will be able to commute to uni from home for the start of fourth year. My flatmate was supposed to be a student but then she dropped out and therefore council tax had to be paid which she said she would take care of, she…
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DMP Final Settlement advice
Hi guys, I was just wondering if anybody could help me, I have been In a debt management plan with payplan for about 3 years now and in about 10-14 days will have an amount equal to about 50%-60% of what I owed( around £18000ish) Anyway I am going to offer a full and final settlement to my creditors and believe they may…
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On the right track but would really like some advice....
Hiya I hoped someone would be able to advise me on a few issues.... Basically I owe quite a lot of money in unsecured debts, and the situation is slowly getting out of hand. My take home pay has gone down, and while I've been meeting my financial commitments, this has been through an increasing reliance on subs and selling…
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HFO -- Wont leave me alone
Hi Everyone, I hope you are all well? Here I am again, asking for advise regarding an old Barclaycard debit that I couldn't pay following a near fatal motorcycle accident. In a nutshell: HFO have been sending threatening letters for quite some time now, including areial photographs of my house, court costs letters, etc. I…
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F & F Help please!
Hi, I'm just in the process of sorting out F & F's with one of my creditors - I have agreed a figure over the phone with the OC (on Monday), and am waiting for everything in writing before paying. Now I've gone on Justabank (I'm with Payplan) and seen that on my creditor list it now says Rejected!! I haven't updated…
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debts written off if balance raised without permission?
Hello, I received a call today from a company asking if I have any debts where the company has raised the credit limit without permission as these debts could be written off as it is unlawful. I had to giggle to myself because I immediately thought 'scam' told them no and put the phone down. However,does anyone know if…
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This can't be right can it? Bailiffs and Parking Fine
My Dad is causing me all kinds of problems but today, I finally got him to call someone from national debt line! They were really kind and he said that he does feel a bit better. However, he was contacted on Friday by the Bailiffs who want £537 from him in respect of an unpaid parking ticket of £110. The lady he spoke to…
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Thought I was paying my debt, now it's turned up again.
So it's complicated but I spent a year with zero money coming in and my student overdraft got out of control as well as some debt on a credit card all with HSBC. Before I buried my head in the sand my bank account was around £2100 and my credit card was around £650, shortly after that they started pursuing me for the money…
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Apex Credit Management
Have got 2 ex. egg accounts with these bunch of muppets. Keep getting constant calls asking me to go through a financial review with them, then get e-mails telling me to contact them "before further action", but when you click the link they sent its basically offering a "special offer" to pay off the debt minus £200 - £300…
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I'm new - please help...
Dear money savers.. Im in a pickle financially and am going round in circles searching for my best option. I have been with my partner for 2 years and have notched up a large chunk of my debt with him. If I had known him better I would never have re-opened my credit cards - they were all paid off - but its done now. He has…
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LBM:how much debt/how long to clear?
Hello everyone. Very recently had my LBM and worked out we owe £21k which will take 8 years to pay off. Just wondering how this compares with everyone else. I know we all have different circumstances but I might feel a bit better if it's not just me looking at 8 years to be debt free. Or maybe not as it means lots of…
