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Multiple debts, full and final?
I have a DMP with payplan and it's all going well apart from the end date being 2024! Still, we are heading in the right direction and all interest is frozen etc. I have had an offer from a relative of a lump some to 'clear the slate'. Unfortunately they are not aware of the size of the debt and have offered about 25% of…
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Are they allowed to chase me for this???
I recently started a 5 a side team at Goals Soccer Centres in Hull. I was on holiday for one of the games, and left the responsibility of the team with a friend (huge mistake). When I came back, I had found out that my team hadn't turned up for the game and I had a voicemail from Goals saying I owed £33 in match fees and…
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Can I do this on a dmp?
Hi quick question; I'm on a dmp and have been for 4 years. Some months we have a bit of spare cash but not always so I don't want to increase our monthly dmp payments but does anyone know if I am able to send any spare cash we have (if and when we have it) direct to my creditors to help clear debts. Does this break the dmp…
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DH's DMP and my income?
Hi all, Just after some opinions on a debt matter :) DH has debts from a previous relationship (took on their joint debts when they split in order to ensure the kids had a house to live in etc). He's been paying this ever since - maybe 10 years or so. Fast forward to two yrs ago when we had a baby - I was on maternity…
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Two months pregnant and in debt :( help?
Hi, i recently found out that i am 8 weeks pregnant :) and have moved back to my parents to save a bit of money for when I move out again to have my baby. I am worried because of some stupid things I did with my ex a couple of months ago, we would get phone contracts for the free gifts and then not pay them, sell things on…
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£1035.72 to throw at a debt - which one please?
Hi there I have the following debts: Credit cards Tesco £2043.58 @ 15.76% annually Virgin £7007.86 @ 17.22% annually Cap1 £4094.17@ 26.48% annually Next store card £282.82 @ 23.76% annually Loan (no overpayments allowed without charge) £3967.50 @ 22.59% Loan £6850 @ 0% I have had an unexpected windfall of £1035.72. Please…
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Tuesday 2nd August 2011 - What Small 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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CCCS - DMP Payment Dates
Hi I currently have a DMP with CCCS and I would be obliged if someone from CCCS could clarify why the latest date in the month they will accept DMP payments is the 10th when according to their website creditors don't receive payment until on or arround the 25th of the month. 15 days seems a long time to process received…
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Halifax debt confused
OK so let me start with the fact I did use the o/d facility offered by Halifax and borrowed £250. At a very low ebb in my life, hit by the recession, no income, couldn't pay my bills, desperate and angry with all of the banks for dumping us all in this mess. When I could not repay the overdraft I told the branch I would…
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consolidation
Hello I have spent hours looking through this site trying to ascertain the right move. We have debt of 30K and a mortgage of 145K. We are thinking of putting it all into the mortgage, making us about £500 p/m better off (i know the long term implications - paying more interest) The debt occured to totally renovating our…
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incorrect information on credit file
Hi, I am wanting to improve my credit file and recently signed up to experian i had a debt with welcome finance who i am and have been paying through global debt recovery! however my debt is only approx £4,000 my original loan was only £2,000 but my credit file is stating i owe over £10,000 i have sent welcome emails and…
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Equita Bailiff Help
I am being chased by Equita Bailiffs for unpaid council tax from several years ago. I'm sure it was all paid at the time, and received nothing about it while I lived at the property referenced. I have followed the advice on other posts, and even the advice given to me by my assigned bailiff but I am a bit stuck. Was sent…
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Flipping Money Shop
Ok- Long story so if you read to the end, congratulations. I have a long standing money shop loan - ie I pay it back every month and then have to retake it to survive the month (bad I know but I have no other option at the moment and should be out of this debt cycle in a few months). To cut a longish story a bit shorter…
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Abbreviations help
Hello there - I am new to all this and am already addicted to spending ages reading through loads of useful threads but I struggle with some of the abbreviations and acronyms that are used. Is there a thread on here that can help?? Many thanks
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Taking the plunge (again!)
Before I go any further, I may not post that often as for some reason I can only access the MSE forums on my really old and slow laptop, so I do apologise in advance. Any way, I have recently fell out of Debt Management, as I couldn't afford it - how ironic - but realised that I do need to afford it. I did make…
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1 debt in 100 days part 6
Hello Challengers!!! Welcome again in our amazing thread! This challenge starts 15th August and finishes 23th Novemeber. Here, there's the list , I'll write all your names. Everyone , who wants to take a part, please let me know. 1. Dorsetgirl Virgin CC £175.67/1791.72 2. Skaps cc, O/D £527.09/1000 3. Bernie O/D £1500 4.…
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Got a response letter from Lowell...>
Dear xxx we thank you blah blah blah "We understand from your previous correspondence that you believe you are not our customer. In order to resolve this matter, we are currently undertaking an investigation into the account. The account will remain on hold until an outcome is reached and wont receive any other…
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Moorcroft settlement offer
My son has racked up a bill with Orange last year of nearly 3K in texts to premium numbers plus the remainder of his contract. It was subsequently passed to Moorcroft as he had no way of paying this. I have tried to help him sort this mess out and he has been paying Moorcroft £60 a month in the meantime. Last month he…
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does anyone know where to find a template
hi there, going to join in a bit more on threads but was wondering, I have seen a thread somewhere on here before about ; i want to send a letter to a debt company who are saying i still owe them money when i have letters saying its settled. I want it to show as partially settled on my credit report but Cabot financial are…
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Tracking debts
Hey guys Need some advice. Over the last few years I have have built up some debt. I have catalogues and loans mainly from when I was working. When I lost my job I stopped paying and started ignoring and binning the letters from the companies and any debt collection companies that the debt had been passed on to. I have…
