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In the black, here we come!
Today I closed another £200 off my overdraft, which mean that next time I get paid, it will push me into the black for the first time in 6 years :j (for all of 5 mins until I pay the bills :rotfl:) But it's progress. I will get there in the end!!
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Advice Please Going it alone DMP
Hi Just wanted to draw on people experiences , Ive been on a DMP with Payplan for quite some years and I can finally see the end is close Im due to pay off one lingering credit card this week so thats one down :j and think that from next month i will manage the payments myself Can anyone comment on this - have they done…
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Debt Free Today!
Just made my final payment on my credit card so....now officially debt free! Have been working on it for over two years (was higher than sig - actually £5k at worst), so is hard to believe it is here. Don't think it has quite sunk in that my money is now mine! Anyway, just wanted to share! Hopefully my little news will…
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Mackenzie Hall
My partner has just received a second letter about Mackenzie hall chasing an old debt and having read up on them I have told him not to contact them. The first letter was that they were trying to contact him , and not addressed to anyone in specific and the second one is addressed to him and saying it is a failure to…
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Can I check something about DCA's?
I have to see a client I have been supporting next week and have already been told that agencies are chasing him for more money. I know that he had an agreed, fairly minimal, although more than the £1, repayment amount and think that he may be struggling with this now. I know that they can be told to get stuffed on income…
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Dealing with Debts of someone in care with Alzheimer's
Hi, I have a friend that has Alzheimer's and other health issues that means he is now in a full care nursing home. He has an old 900 debt with barclaycard that he has beening paying the minimum on for years. He and his wife are now in no real position to continue the payments some of their pension and benifits have been…
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Not sure where to post this...
I have a question regarding having bad credit in the past and also getting credit built up for my partner... where is the best place to post it? Thanks!
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Tuesday 28th June- what small DFW thing 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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URGENT! Bailiff letter today re council tax arrears (a mistake)
Hello all First post! I received a letter today from Rossendales debt collection about an outstanding liability order for £646. It states FINAL REMINDER - DO NOT IGNORE. Despite previous correspondance you have not made payment to clear the aboce overdue balance. WHile the van attends you will be liable for additional…
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What to do with house on a DMP
Hi, I'm trying to decide whether or not it might be worth selling our house, to clear off our DMP. I recently contacted a few mortgage advisors, to see if there was ANY possibility of remortgaging on our current DMP, all of whom said: "no chance!" The generic answer seems to be sit with it, and wait until you get out the…
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Advice Re AIC Please!
Have been contacted by AIC re: Amex debt! I have offered to pay £100 monthly which they have refused. Now keep getting phone calls and now texts requiring me to contact urgently. They require me to settle in full or pay £796 by Wednesday to stop further action. Can anyone advise me what to do? I am so worried as cannot…
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..arranged repayments of overdraft are now through their solicitors-is this common?
I had an account which was converted from a standard no interest student account (with an overdraft) to a standard current account, and as I still had the overdraft at that particular time (leaving a course halfway through due to health) they started to add interest charges. Since I could not repay the exact amounts they…
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housing benefit overpayment - help needed
My partner was living with his sister in a HA property. Actually she never really lived there, her son also lived there. She claimed for HB as soon as they got the property shortly afterwards her claim was stopped (July ) so too was her HB or so she was telling my partner, when the HB kept coming she said it was ok then in…
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Rates owed on an old company my sister was part of 5 years ago - Advice needed.
My sister has received a letter from the council regarding rates for a company she was part of six years ago. There were two partners and they were trading as sole traders. They fell out and stopped their partnership in March 2006 - the other partner stayed in the same premises but changed the name and became a Ltd…
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I'm Sooooo Tired
I have just about run out of steam. For those of you that don't know me, after having my DD two years ago I managed to accumulate a bit of debt thinking I could easy pay it back when I went back to work after mat leave. Unfortunately with escalating childcare costs and having to reduce my hours I couldn't, in fact I made…
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Which way to do this.
Hi, I had posted on the renting board about the fact that I am likely to get a CCJ in the next two months (already had paperwork. My question was that I will be living in my current house (which I am renting privately) for two years before probably moving towns as I will have graduated. Then I will need to rent again and…
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Worth paying off my Northern Rock(!) loan?
Settlement figure of £1010. 6 months remaining at £169.63 per month = a total of £1017. So I save a *WHOPPING* £7 paying back the loan early. I currently get 2.5% interest on that £1010 so over a 6mo period that's £12.50 in interest... So on this occasion I suspect that I'm better off leaving the loan as it is! :D Of…
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Crime ref no. and Civil small claims court cases
Hi there, Can a claimant list a crime ref no. as proof that the criminal owes them money? I thought civil cases and criminal cases do not mix hence listing a crime ref no. in a small claims particulars of claim is irrelevant? cheers
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Royal Bank of Scotland and Nat West ???
Hi all Please can someone help. I have just entered into a DMP with CCCS which im very happy about as i can take responsibility and pay off the debts that i stupidly got myself into. My question is i was advised by CCCS to change my bank accout from Lloyds TSB as they are one of the creditors that i owe money to. I have…
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My SOA :(
Hi, I posted a thread a week or so ago and you all asked for my SOA. I had lots to do and stuff I needed to find etc so it has taken me a little while. I have put notes in purple next to some of the amounts to explain why they are so high/so low- Thank you for taking the time to help me. Seeing my actuall debt figure is…
