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Payday Loans - Government petition please support!!!!!
Dear All For anyone who has had experience of the payday loan industry this may be important. An e-petition is currently running, which if it gets 100,000 signatures will make this issue eligible for discussion in the house of commons. Please offer your support and join us in signing the petition here:…
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Wanting baby but cant afford one :-(
Hello My husband and I do not have any children and would really love to before its too late, but I'm in debt and it doesnt look like any time soon that I will be able to clear it. We are having arguments because of it. I feel its all my fault. We really want a child but dont know what to do for the best. I cant see how we…
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Notice of Correction
Hi, I want to out one on my credit files for an old m&s loan that I ended up having an arrangement on (was paid in full 2010). Is there any templates for these notices? Or advise on how to write them? Thanks Anna
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should i settle a debt to save a few quid interest?
hi there took out a loan in late 2006 for £8100 and i have a year left (12 payments) it was at a delicious 25.99% apr and i've been paying 244.39 a month. just asked for a settlement figure and its 2709.13 which will save me 223.55 which isnt a massive amount given the whopping apr i've been paying but such is life. my…
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My Debts and LBM
My LBM was back in July when my OH got wind of my problems. Won't go into massive detail but all caused by the PDL trap. My debts then were: B'Card - £3500 (12.9%) Capital One - £580 (34.9%) Vanquis - £312 (37.9%) Aqua - £432.12 (37.9%) PayDayExpress - £700 (0%) Fredrickson - £247 (0%) Family - £754 (0%) Barclays - £189…
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Help me help OH please?
Hi there DFW was invaluable to me when I was in trouble, as has the whole MSE site been! I am happily debt free and living frugally (although mine were small compared to most) but would like to help out my partner if anyone can assist? I appreciate the details are sketchy, but even some general guidance would be…
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Why is it a struggle?
I'm in arrangements with most of my creditors right now, a few are on going as they're being awkard. But why am I finding it a struggle? I hate being in debt, and even though I'm "managing it", it still weighs on my mind massively. I'm struggling to stick to budgets too, though this last month has been unusual in that I've…
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Need Advice
Hi Guys, Need help. I am currently paying off a debt at £5 a month, the company, Paragon, keep harrassing me for a Statement of earnings. I have recently came off unemployment benifit and went self employed. The business is very slow to non existant at the mo but that should change hopefully, but in the mean time i keep…
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where to start...
Hi i used this site ages ago and I've kind of lost my way. Like most people things are getting tighter each month, the debt isn't going down and I'm getting fed up of it all. I'm at work at the moment but wanted to get the first post done as it's always the hardest So. Hi I'm Pea, I'm 29 and in debt. pleased to meet you :)
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Debt written off after six years?
MoneySavingExpert.com Insert: If you're looking for debt help please read our dedicated Debt Problems guide to help you. Back to lime1996's original post... --- My friend came around yesterday and told me she is moving out of the area, after talking to her about her move it turns out she has a pile of debt and she says she…
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statute barred letter, which address please?
I have a letter from red collection services on behalf of lowell for a very old debt. There are 3 addresses on this letter, one is the registered office which is in tiny print at bottomof letter, one is a po box adress for cheque payments and the other is a po box for the customer relations deptartment for use in a…
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Divorce - Debt and repossession
Hi I'm not really sure where to post this. Myself and my husband seperated in October 2008. I moved out of the marital home in December 2008 and the mortgage was up to date. I had to go to the CSA due to not receiving money from him and he said "I will take you down with me". Since then he has not paid any mortgage apart…
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Vikings
Has anyone dealt with a debt company called Vikings , i have fallen behind with my payments and santander are passing my debt to a compnay called Vikings . They are insisting that a go to CCCS or payplan they have even given me a password to give cccs so they can sort out a payment plan for me . I dont want to go to cccs i…
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Help-fines/bailiffs
Hi newbie in urgent need of advice! I have an old magistrates court fine outstanding of £2200(( Have recently been contacted by bailiffs making all the usual threats. I have written to them asking for installments which they replied to with a minimum monthly payment of £540-cannot pay this obviously im not a premiership…
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Tuesday 15th November 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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where to send notification of DMP
when letting creditors know that you are setting up a DMP, where do you send the letters? Is it the address on the top of statements? I will also be sending a token payment to a couple of creditors, who are due a payment soon, so i was thinking about send it with the letter, would that be ok sending it to the address at…
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Feel like im wasting my nights
Work Monday to Friday half 7 until between 4 and half 4. Job is weather depending so some random days I'm home by lunchtime. Feel like I waste my evenings and nights. Only times I'm just are Fri and sat spent with gd and 1 night through the week. What can I do with my time?! Stay with parents still and only 20...feel like…
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Just found CCJ sent to old address
I did a credit check because I'm about to apply for a mortgage and I found that on April 2011 I was given a CCJ I moved out of that property July 2010. I left my last job about 4 days earlier than I was supposed to, so I was overpaid around £150. They are the Police, they should have been able to track me down... I have a…
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Help with an CPW debt
Right need some help with an old debt from the CPW, basically I cant remember all the details and probably dont have all the paperwork to prove the debt was written off by them ect so to cut a long story short I will try to explain. I had the contract with them from early 2005, I kept the contract whilst I went through…
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car parking fine
Hi I maybe in the wrong thread but just wondering if someone can help me. Basically I received a letter from a baliff today stating that a car parking ticket fine needed to be paid on my husbands car, now I haven't seen a ticket for his car this year so had a little scout on the council website.... imagine my horror when I…
