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Dont know what to do next
I have really got myself in a bit of a state with mine and my husbands debts. I have been poorly for around 14 years and still am now, over the years a borrowed to put myself through university, havig children, to pay for electric, food, the car breaking down, moving house etc. I have been terrible with money which is…
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Update from Tink - I done it!!!
OK so DH now knows about my debt (well £24k of it anyway)! His reaction was the total opposite to what I was expecting.... I'm quite shocked. He was upset that I hadn't told him before, and said I should have been able to talk to him etc etc. And amazingly he is going to help me out.... went through our bills yesterday and…
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previous tenant using my address to gain credit, is this fraud
This woman left a trail of debt behind her and I thought all had been dealt with but she has started using my address again on 3 separate occasions last year. it seems equifax and experian have it on record that she is resident at my address and I am again receiving demands for payment. I know I am not liable for her debts…
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PDL companies who are easy to deal with
I thought I would make a list of payday loan companies I have found to be understanding and helpful when your struggling to pay them back. But I must say that if you are struggling get in contact with them ASAP and most if not all I will list will put your account on hold and stop any charges and interest. Wonga - put my…
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My dmp story so far
So my dmp is setup with payplan although two of the 13 creditors I have will not accept my offers. These are Uncle Buck and The Cheque centre. I keep getting emails/texts from Uncle Buck saying I have not responded to their requests which is a lie as I have contacted them every time they have asked me to and the cheque…
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payday loans
hi,just wondering what happens when you can't afford to pay a payday loan such as wonga,paydayuk etc owe £500 to payday uk and really struggling to pay it back ,does the debt get refered to debt recovery agencies?
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Tuesday 29th 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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Need some advice/help on debt!
I just wrote a big long thing that took me about 20 minutes to write then I was checking it over the screen went off and I lost the lot, aargh I hate when that happens! Ok so I'll start again. I am relatively new to registering on this board but I have been browsing the last few years. So I am looking for some info on…
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Getting a mortgage whilst on a DMP?
Hello all I'm after some advice/guidance if anyone can help. I entered into a DMP with the help of CCCS (excellent service... can't praise them more highly!) in September. I may have the opportunity to buy a cheap house which will free up a substantial amount of money each month. If I bought the house I would easily be…
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Newbie Here
Hi everyone. Joined here because I want help sorting out my money. I'm not in a great deal of debt (have about 600 on credit cards and owe a relative about 500) but I am so rubbish at saving. I've been pretty bad all my life and just love to shop. I guess the crunch has come about because I am living at home again (after a…
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DMP Statistics
Just wondering: Does anybody know or have an idea, now many people in the UK are on DMPs?
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~The Final MAKE £10 A DAY in December Challenge for 2011 ~ Everybody Welcome
:hello: Hello to all newbies and regulars and welcome to the final £10 a day challenge of 2011!!!! :eek::eek:. This challenge first started in September 2007, so this will be the 50th Month that this challenge has been going :j. So thanks Batgirl for starting it and Sweetpeas, Purpleroses, JesaRose and MizMir, who also…
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New poster
Hey guys, I've been a lurker for a while but have finally decided to jump in and post. Just wanted to say that you're all fantastically inspiring. Had my lightbulb moment in October when moving house and buying all those bits and pieces meant my credit card jumped to the highest it's ever been combined with a month between…
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Debt collection agency letter, saying bank has requested they take no more payments??
I've been paying a monthly amount by direct debit off a credit card debt. The payments have been going to ScotCall on behalf of RBS. I just had a letter saying that RBS has told ScotCall to stop taking payments. What does this mean?? The debt is large, there's no way they can be writing it off or anything - can RBS maybe…
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Student In Non Student Debt and no income!
Hello everyone, I'm looking for some advice, I started University back in September and started with some debt and its increased over the last couple of months there's a mixture of payday loans, overdrafts, credit cards and catalogues as well as owing my parents around £3,000! I have no money what so ever (Actually…
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Moorcroft! :@
Hi there MSE team :( :(, I got a letter through the post today saying that i owe Telefonica (O2) in the UK a amount of £225.34, i called up O2 regarding this and they are telling me that i owe them £119 pounds and would happily remove those charges since I have cancelled the deal previously, but then they say they have…
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Credit Rating Help
Hello, I am getting confused with when debt gets 'wiped' off your credit rating. Please can someone let me know when the below will vanish and no longer exist on my credit rating? Thanks in advance. :j 1. ‘Satisfied’ - 01/11/2010</SPAN> 2. ‘Satisfied’ - 31/07/2010 3. ‘Settled’ 28/08/2010 4. ‘Settled’ 21/12/2005 5.…
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Debt advice
Hi All, First time poster here on MSE, but have been an occasional browser for a few years. Just looking for a bit of debt advice, so let me put you in the picture. I developed a gambling problem over the last year due to an inital run of luck, which cumulated in me placing a large bet that I could not afford, not thinking…
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OHs - Bringing them along for the ride
I'm finding my OH a bit of a challenge in the money-saving department. He doesn't like talking about money, although does tell me what he's spent - when I ask. I've prioritised one of his CCs because it's got a stupid APR and not a huge amount on it, so it's a prime candidate for zapping in a short space of time (I reckon…
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Partial Settlement vs paying in full
I have an outstanding balance of £450 with LLoyds TSB and they have sent me a letter saying I can pay £350 as a full and final settlement and that they will mark my credit file as " partial settlement". I'm tempted to accept there offer but is it worth just paying the full amount of £450. How much will a partial payment…
