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DMP's and settlement question
Hi all I've got a DMP with Payplan and in the process of getting a settlement figure from my creditors and I just wondered if any of you here had had any experience with that eg how successful were you at getting a reduced final figure etc. thanks in advance D
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Sorting out my life...........
Hi All, Im looking for some advice. Im a 24yr old male, living in the south and not great with money! I look around and see friends in £15k debt, 20k debt, etc, and do not want to be in the same situation. So have decided to sort things before it gets out of hand. my debt is quite small, I have a £400 overdraft and £600 on…
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Don't know what to do :(
Hello All, Sorry if this sounds like a ramble! I am 26 years old and my debts have gotten completely out of control. I started getting in trouble straight away pretty much, my relationship with my parents was bad and I moved out when I was 16, barely able to survive and working at tesco's for every available hour to pay…
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CCA Request help!!
Hi All Thank you in advance to all that read this and anyone that might reply I split up with my fiance 2.5 years ago and he moved out of our family home (we had a small baby together at that time). We had a joint bank account at this time that had an overdraft ran up on it of approx 1,000. I spoke to A & L who the account…
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Been here before...
I have posted an SOA before as wanted to become debt free however never actually did anything about it. Kinda put my head in the sand really. Im due to have a baby on the 8th Oct and will only get my full pay for 2 months then will go down to half pay, we are already struggling with our monthly spend so im so worried about…
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Link to stock letters
Does anybody have the link to stock letters asking creditors to freeze interest and accept token payments while I am out of work ? Sorry, I am new and can't find them anywhere. Thanks
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Final stage to being debt free, but would like some advice
After close to 10 years of being constantly in debt I am now just 2 years away (possibly one) from being totally debt free. This year has been my best yet, after trying to get a consolidation loan a year or so ago and failing, I just buckled down, worked hard (poor health in the past has cost me jobs) and put as much money…
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Getting there slowly, but now a problem
Ive been self managing my debts which total about 50k, with the biggest two being Mortgage (5k arrears) & GE secured loan (1.5k arrears). I went to two court hearings a came away with two suspended orders, which at the time was just okay. I then lost my job, but have managed to get another starting on Monday. Problem is…
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very.co.uk repayments
Hi im at a loss with this. i stupidly used them last year to buy holiday clothes on buy now pay next year, its not next year so im paying it back. each month im paying £100+ off but the balance just keeps geting bigger not smaller. iv contacted the, to ask why and to ask for advice and was told it was my own fault in march…
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On the road to a solution
I've been in contact with CCCS and spoken to a lovely advisor who really helped. I have an appointment with them on Tues so hopefully I can get somewhere with this. I have emailed 4 or the 6 companies I owe money to, the other two are upto date. I have offered to make a token payment and asked for bank details to do so.…
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Big Debt...could last a lifetime.
Morning All, I have been reading this forum for a while as I kne what was coming, so I am now looking for some assistance from the excellent people on here. Sorry - its a long story, but I am going to try and break it down. My business has gone into Liquidation, I am dealing with that along with the liquidator no problems,…
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son's debt
hi all, need little advice about son's debt, he has got himself into debt, mobile phone, payday loans, bank, credit card all amounts to probably under £5000, i am/was (until changed phone number)! getting all the phone calls and letters which i now just write on them 'no longer at this address' which he isn't, got in…
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Advice needed please on Payday Loan
I took out a loan with a lender on 27 May for £200 (£187.50) was paid into my account. I was unable to make payment/rollover the loan when they requested as this was before my actual paydate. The full loan therefore became due which I was unable to afford. The loan as at today's date stands at over £800! I have made them…
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New S,O.A .. What would people advise?
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 476 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 476 Monthly Expense Details…
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Advise Please!
Hi All, I was hoping some of the nice people on here could offer me some advise relating to my credit report; On checking my equifax credit report recently I noticed somthing which I couldnt quite get my head around. I owe an oustanding amount to Black Horse (around £8000) from a loan which was taken out in 2003. On my…
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Declaring all debts on a DMP
I'm a few thousand in debt... one of which is a CC for around £1100, my mum currently pays this off for me everymonth. My question is, do I need to declare this on a DMP or can I leave it off and focys on paying my other outstanding debts quicker? She is quite happy to keep paying it off, I've talked to her about entering…
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Friday 5th 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. :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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Settled / satisified accounts
Hi there I have lots of accounts on my credit file that were defaulted 5 years ago. Due to lots of hard work and help from family I have now paid them all off but it doesnt look great with them all on my file. Can I write to the companies and ask them to remove them from my file or is it a case of having to wait until they…
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Need help writing a letter
I've had a productive day on these boards and read and recieved some really useful advice. I've closed my bank account from which all my debts are paid from and got a new one I made a statement of affairs and have gone through cccs online .. as a guide, i will ring them tomorrow as I feel better speaking to someone. I am…
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When to ask for full final settlement?
I am really struggling to pay the minimum on my cc's each month. Do I have to be in arrears etc before I can ask for a final settlement figure for them? Thanks
