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7 year DMP now down to 6
Hi First month of my DMP and 7 years to go. However, just received some ppi back from my bank and this has now taken a whole year off so now looking at 6. What a great feeling.:j Michelle
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A new start...
Hi, I'm here because I'm looking for help to get myself out of debt and back into the black. I'm only 26 but I've always been terrible with money. The phrase 'sticking your head in the sand' pretty much sums it up - I've ignored my bad spending habits as they've never caused me really serious trouble, and I'm ashamed to…
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Bankruptcy and Keeping Your Home?
Hi Y'all, Have been in a DMP for around 6 months with Payplan and whilst it has kept the wolves from the door and got most of our creditors to freeze interest (some have started to sneak charges back on though :( ) we are still finding things a struggle. I feel we are always only one step away from disaster and am…
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20 and in trouble........
hi people, need your advice on how to get myself out of debt of around the 3 grand mark..... please help!!!!!
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MBNA presure to take out a secured loan
Hi, I am appling for an IVA via Payplan see privious thread. (Im not alowd to post the link as im only a newbe) but if you search via my username its my only other post. They have been very good and have been supportive. Its now reached the point when A cresitor meeting has been booked for the 30th August, so rolling on…
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Wedding Money Gifts
Hi All, As some of you will have read my partner and I are trying to clear some of our debts. we're not in dire straights- no DMP and we can afford minimum payments but we do have more financial commitments than we would like! We would like to buy our house in 2013 and will need about a £15k deposit to do so. This means…
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Barclaycard full & final settlement question
Hi I posted this in the credit cards forum but think I should have asked here instead. To cut a long story short, Barclaycard have agreed my wifes offer to settle our balance for £800 less than the full balance. The only sticky point is around how they're going to mark her credit file. We challenged how they were going to…
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Advice please about new DMP
Hi after years of juggling my finances I have finally admitted to myself that I can no longer carry on paying my debts at the rate I have been doing. I filled in all my details on CCCS last night and am now waiting for paper work from them. My questions ( if anone can help ) are 1 How likely is it that my creditors will…
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Proof of defaults?
Hi, I have paid off my debts but have 3 defaults showing on my credit file. I'm not saying that I 100% haven't had default letters but I went through a stage where I didn't read all of my mail through fear of my debt. I really can't remember receiving these default letters. I am currently writing to the 3 companies that I…
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Freedom of Information Requests
I am trying to deal with a debt collection agency pestering me, and following another thread, I have asked for a copy of the information they hold on me. Today, I have received a letter telling me they want £10 for this information, does anyone know if this is legal, or if there is another way around it? Many thanks in…
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Help a newbie please!
PREVIOUSLY POSTED IN MORTGAGE THREAD BUT NOT GOT ANY RESPONSES - can anyone help me!! Hi all, I am new to the site and have a bit of a problem. Not sure where I should post this so please point me in the right direction if I have got this wrong! I am hoping to buy a new house so looking at money etc. I have been a bit…
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MacKenzie Hall - Help
Hello Does anyone know anything about these people? I have read a few old posts from 2006/2007 but, I have just received a txt msg from them asking me to contact them quoting a ref no! After reading that they are a debt collection agency and are very agressive I'm slightly concerned to speak to them. I have no debt, I've…
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Getting debt written off
Hi My wife and I currently have 30k debt over 5 credit cards, a car loan and 2 catalogues. The car and catalogues are covered but the credit cards have all defaulted, 4 are accepting £1 token payment whilst the other has ignored letter and sent debt to DCA (Mercers, been helpful so far). A family member has recently sold…
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Rossendales debt recovery
I got an order through the door from a company called Rossendales about my council tax bill, now I didn't even know that this existed but I simply can't afford what they are asking for up front. They said I had to pay the lump sum (which is over 800 pounds) but eventually said they will set up a payment plan. They are…
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House Clearence -Do People Pay
Hey, After 4 years of being tied into a house with an Ex-Boyfriend. The house sale finally goes through next week. I have a whole house of furniture that i need to get rid of as i moved back to my parents I can't pay for storage and would like to get rid of it all it includes beds and bedroon suite. sofa, washing machine…
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Monday 22nd August 2011 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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Ccj's
Hi everyone, I have followed this site for several months, finding it very helpful, so helpful in fact, I am pleased to report that I have paid off over half of our debts in 18 months still got a long way to go but in the right direction. My problem is I discovered recently that I have a ccj against my name even though I…
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selling a HP car to a dealer
How does this thing work. My wife has her car on Hire Purchase with last two payments to go and she would like to get rid of the car quicker before she will need to MOT and tax it. Toyota Financial rep said it's fine to sell it to a dealer and they sent her a letter with a settlement figure. But how exactly does this…
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Catalogues?
I was wondering, i have a few catalogues open to help my credit rating, and occasionally buy from them and pay it off interest free, however, do they still report green 0s to the credit agencies if you have never bought anything from them?
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Weekly Spend Challenge W/C 21st Aug 2011
Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
