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My terrible confession. I feel so ashamed but it's gone on too long.
I have to stop gambling Cringe Am hoping that the humiliation of finally saying that will kick me into touch.
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Thursday 11 August - 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. :money: But once we have done the bigger stuff, we often feel that we are not making the same amount of…
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Fredrickson International
Oh my god - how persistent are these guys! Out of absolutely nowhere my girlfriend recieved a letter demanding payment for a debt of £90 that she knows nothing about for Carphone warehouse. She did have a phone with them 5 years ago, but to be fair paid all of the bills and has never recieved any notification of this…
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Any ideas??
As you can see by my signature I owe in the region of £800 on a Barclays account. I've just been wondering whether there is anything I can do to appeal against this debt. The circumstances are that is was a business account that I opened to be a sole trader. It was a basic account with no overdraft, a visa debit card with…
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CCJ questions?
Hi all, I'm new here, well, I've been a lurker for a very long time but finally I decided to sign up as this site already helps me save money without being a member. Being one will hopefully help even further! I am currently trying to get out of debt, my debts are nothing too big (mostly student ones) but over a year ago I…
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I will be debt free in 2027!!!!
I am a 40 something single mother with a child under 5. I was made redundant when my child was 10 weeks old. I had until then never been unemployed. I got a small amount of redundancy (May 2008) which I used to pay my mortgage as had to wait 39 weeks before mortgage help with dss. I get income support, child tax credit and…
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Capital One/Cougar
Bit of advice please. I owe £691 to Capital One. I did CCCS debt remedy and printed letters sent off and they accepted for me to accept a default on my credit file, close my card and pay £1pm till my circumstances improve. Used my online Captal One to make the payments. Then they cancelled my access so i missed a month.…
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ARC DCA refusing agreement
Just had a call from ARC regarding a debt that has been passed onto them. I offered to pay an amount each month which initally they weren't happy with but eventually agreed to. He then asked for my debit card details to set up a recurring card payment which I refused. I told him I would be happy to either pay by standing…
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Need advice please!!!! :(
Hi, am really needing some help and advice please. For the past 18 mths i have been slowly sorting out my debts with the help of a debt management company called Churchwood Financial. This was before i found out you didn't have to pay for a service such as this!! Silly me!! :o Now my circumstances have changed and my…
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Really want to remove a Default from my file
Hi, Sorry if this is in the wrong section. Basically Im part of the credit generation, so when I turned 16 and found out I could start getting overdrafts etc so easily away I went and got them. Anyway long story short I went through a rocky period and foolishly at the time neglected one of my overdraft accounts which left…
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Bryan Carter claim CCJ but not on my credit report?
I've had dealings with Bryan Carter solicitors...they were demanding a highr repayment each month than I can afford, and said they could not accept a lower amount as I had CCJ. This was news to me, as I'd had no correspondance whatsoever from the court, or claim form etc. However I believed them so just had to pay what…
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bank accounts
I have read about not banking where you have debts and wondered whether if we ended up or rather my husband ended up with a DMP or an IVA or bankruptsy against him would savings that are in a joint account have to be used. The reason I am worried is that we have a joint account in barclays where I have just over £2000…
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CCCS DMP and extra credit
Hi guys. I just have a quick question. I was on the phone to the CCCS earlier today and we were talking about bank charges and that if these mean that someone was to go over their overdraft, this is seen as 'extra credit' which is against the rules. I was wondering how they know if/when one of their clients do this? Do…
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Harrashing phone calls to employer by Pay Day loan company
Hi guys Long story fairly short........I have spent the past 6-8 months attempting to salvage my personal finances from some serious previous mis-managment. At my worst point I got invloved with six different pay day loan companies at the same time and got trapped in the never ending cycle of deferrals/roll-overs etc…
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Mortgage holidays
Hi there, Ive posted another time about my debt and asked a question but no-one got back to me. I am new to this so maybe I got it wrong, but i just wondered what people thought of me taking some payment holidays from my mortgage to re-pay some of my debt ? I have 3 payment holidays saved up and am due to remortgage with…
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Help/Advice needed
Okay where to start and sorry if I ramble. DH is already on a DMP I have been able to pay my debts so far but it looks as if I may loose my job in a few weeks so I am just looking at the options. I owe one big Credit card of 12000 and a smaller one of 1500, what do I do, I will have around £100 a month to go towards these…
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DMP & HMRC now married question
My wife is on DMP and took this out when she was single, all debts in her own name We dont have joint accounts and keep finances seperate to avoid bad credit association She needs to change her name with tax office HMRC and they require my name, NI number and tax code Will this 'link' us financially and have any affect on…
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I would just like to say thank you...
Even though I have not posted before, I would like to say thank you to everyone on here that offers help and advice. You guys are amazing! I had my lightbulb moment about a month ago, and just coming on here and reading all the threads and comments has encouraged me to be a better person with my money. You guys have helped…
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Just an idea...
Hi, folks, I am on a DMP with CCCS. I have six creditors, five of whose debts are in the region of £2,500 to £4,500 and one that is just £451.00 (old Co-operative Bank overdraft). It would be nice to get rid of the Co-op debt, which would in turn free up £5.00 per month to other creditors. Would it be ok to save up the…
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Ccj payment help
Hi All, Firstly i would just like to thank everyone that has helped me and advised me over the last couple of months. I have today been to court and had a ccj over turned and just wanted to know what i have to do now, do i just ring the company and pay it today in full? I only manged to get this over turned with the help i…
