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Fiance has head in sand about debt
Hi all, Although I've been using advice on site for a few years this is my first time posting. I really don't know what to do.... I first got together with my fiance about 2 years ago. I moved into his rented flat with him. Before doing so we had talked about finances and he told me he had about 8K of debt. I had about 3K…
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Monday 31st October 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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The “how many paydays ‘til Xmas” November NSD challenge
:jWELCOME TO THE NOVEMBER NSD CHALLENGE:j November: the clocks have gone back, dark evenings arrive and we’re all depressed at the onset of winter. No need to sit and be gloomy on your own, come and join us in the NSD challenge, we’ll make you feel at home and give you the odd laugh or two along the way. And another reason…
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when do wonga stop applying charges??
hi there, does anyone know if and when wonga stop applying charges?? for example; if you have a loan from wonga for £100 and you do not pay it on the promised date and continue to not pay it, do they eventually stop applying their charges? do they eventually freeze the debt or pass it to a dca or deal with it in-house? can…
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Advice
Hello, Joined the forum today to try and get some advice. Currently I have more debt than I would personally like (well, no one likes debt, but anyway). It has gotten to the point that I am surprised that I haven't received a summons or that the bailiffs haven't been round or that my electricity is still on. Here is a…
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Dire Situation
Single dad, 1 dd. SOA below as advised by my sister, she is on here but not sure , who she is.... Basically exOH pays nothing to DD, and we are now in dispute with council re change in circumstances, wtc and ctc as she gets the cb but dd is with me 5 nights a week. Car is a luxury but was bought before exOH wandered away,…
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Does anyone have a large loan
Does anyone have a large loan....£8000 or over? I am paying £180 a month and have just found the paperwork that says i can make overpayments without charge. The APR is really low and nothing lower is offered anywhere else. My question is to anyone with a large loan - are you making overpayments to chip away at the debt or…
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Requesting Info on my account
Hi, I wrote to argos asking for info on my PPI I have with them, as I have no information for my records. I haven't heard back from them and it has been about 6 weeks. I sent the letter recorded delivery. Do I need to send a cheque for £1 for the info, as I saw it on a template letter that to do this??! Thanks :)
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Bit of reassurance needed please....
Hi all So here is my story. Iam a single mother of a three year old. I work full time and earn £14,000 a year, i get all the help i am entitled to , maintanance , tax credits ect. However the last few months i have really really struggled financially. The child care element of tax credits being reduced just crippled me as…
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Can You Help Me Please?
Please can anyone help me? Last year a very good friend asked if I would take out a £10000 loan to help her save loosing her home. She wholeheartedly promised me that she would meet the £200 per month payments and pay in full either when she received compensation from a upcoming court case or worse case scenario…
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Help please. Debt moved to debt company whilst in arrangement.
Hi i wonder could someone help please. DH has debt with halifax and has been paying monthly with an arrangment in place. Never missed a payment statements reflect payment on statement says interest 0.00. Then out of the blue fri he had a letterfrom blair oliver and scott to say they are acting on behalf of Halifax. After…
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10 positive steps a day Challenge! - November
Welcome to the November positive steps challenge :) Hello again to all who joined me before and of course to anyone interested in joining us this month! For any Newbies to the thread: I started this challenge in September so its pretty new but we have achieved a lot already :) Joining MSE for me has changed my view of my…
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Alternatives to eBay
Are there any decent alternatives to eBay to sell all my junk that is just lying around gathering dust when it could be helping to clear off my debt? Excluding car boot sale as I don't drive!
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Is a DMP still possible if debts with debt collection agencies?
I am currently trying to figure out the best way to deal with my debt....bankruptcy, IVA or DMP are all options I am currently considering. Many months ago I was in the process of setting up an IVA with my husband when our world was turned upside down, everything debt related was simply forgotten about whislt we lived…
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sticky situation
I transferred £300 to my bank account as my husbands wage didn't go in and the direct debits would have bounced. I also got holiday pay of about £200 from an agency I left. The problem I have now is that I dont know where that money is, I'm actually overdrawn. We've only had one wage this year which hasn't been good but…
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Partial DMP
Hi, i have worked out a DMP repayment schedule on CSCS on what i can afford and most of my creditors pro rate at approx the current or minimum payment I Already pay, except two smaller sub prime debts. Is it possible to enter a DMP partially to cover the two debts i cant pay or do i have to include everything? i know this…
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dmp - problems with halifax
Hi Any advice greatly appreciated. I have been in a dmp for 18months and all going well, with the majority of creditors reducing the interest to between 0% and 6%, apart from halifax. The debt was 9K on a credit card, and the payment to them when spread between my creditors is £148.26, however, they are charging 25% apr…
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Debt repayment wasn't deposited and now debt's been sold- what to do?
Dear all, First time user, so forgive me if I make any mistakes/sound confusing! In short, I've been repaying a debt which was owed to Barclaycard for a number of years now. A repayment plan was agreed on due my financial situation, and I have maintained regular payments of £50 for a number of years with no hassle. Whilst…
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Can see the end
Well it's been a very long battle but have sat down working on our budget and we look to be debt free by Xmas now .Been a very hard battle not going to be much left for Xmas gifts for my children but will be sleeping better at nights and there going to have a happy mummy and daddy thank you everyone who has helped x
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Just in need of help if possible!!
Hi there. We've been struggling with money for some time, and thanks to my missus, she sort of pushed me onto here. I'm glad she did. Northern Rock (bless them) have decided to reinstate our normal monthly terms, after an 18 month interest only gap. This has then gone onto what we can and can't afford. The back end of last…
