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Bristow and Sutor Help
Hi all I am currently paying this company £70p/m to clear off my council tax debt. I set up a standing order with them back in oct when they first wrote to me I have paid ontime every month since then. Yesterday they sent a bailiff to my house (i was out at work) and left a letter telling me that I need to contact them to…
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Wonga help please
Hi I stupidly borrowed from wonga last april and have been in the PDL cycle ever since, I currently owe £1378.94 and have finally realised i am not able to get out of it. After reading the threads etc on here i have a coule of questions for those that have had sim liar exoeriences. 1) Currently the payments are taken out…
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being harrased for debts that arent even mine
ive moved property about a month ago and yesterday filled in a form to put my self on the electoral roll this morning have a baliff turn up at the door demanding payment for a debt in one of my brothers name i explained to him that it wasnt me and shut the door he then shouted through the letter box to reoppen the door or…
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Dumped by CCCS now don't know where to turn?
Signed up with CCCS at the start of Janaury as things where getting tight, little did I know they where about to get a lot tighter. A week later I was made redundant, They revised everything and it was cut to £150 pm from £210, I was prepared enough for this, Tax credits changed etc it was put down to £100 pm, Tight but do…
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Help please 19 and in debt.
Hi i'm new to this i'm a part-time student and i'm looking for advice, I recently lost my job and I'm currently on Job-seekers allowance. I get around 50 something pound a week and I'm getting letters from my phone company and Natwest saying that I owe them. When I was 18 I agreed to pay a monthly fee to cover mobile…
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Joint overdraft on single DMP
Hi everyone, Ive just started my DMP in December with 49k worth of debts I am paying back £400 a month and my DFD is Dec 2021 included in this is a 5k overdraft with Lloyds which is a joint account with my husband. My DMP payments are covering the charges only and my husband is going to try to chip away at it. I don't…
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Assistance
Hi. I would like some assitance with my current situation. I am in debt with teo CC for £7,000 and also a loan of £10,000. I have spokent to my morgage company who have said I could have a new morgage at 2.29% (currently 5.5%, paying £960 a month). They have said a new morgage would be £900 a month, with an extra 10,000…
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Bailiffs chasing Business Rates arrears - please help
A friend of mine has received a bailiffs letter, giving notice of intention to seize goods to repay a debt. The debt is about £4000 from 3 years ago (unpaid business rates for a restaurant), bailiffs costs are already £285 (for one visit!). The debt is with a different council from where she currently lives. Her annual…
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A bit o/t - managing stress
Hi everyone Just as I was typing a reply to somone I realised I'm going on and on about how much stress I'm under at the moment. I know that it's a bit off topic but I wondered if anyone had any tips for stress management that they would share. My situation at the moment is tough at work and at home so I'm getting very…
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Where did it all GO!!??
Hi, Just a wee whinge really. I sold some things in January and made myself £1400. It came in cash form, in dribs and drabs, so I squirrelled it away when I got it, some in hiding spots, some to pay some bills, some in my purse for daily expenses (:cool:). I used £1000 to pay a chunk off my Credit Card (leaving a £2400…
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Thursday 16th February - What small DFW things will you be doing 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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Mid Month Motivation...
Hey All! I get paid monthly an find week 2 into each month I struggle to stay motivated... Have made a good start but it feels like pay day is an age away... I think this year I haven't gone out either so I feel like I'm in some kind of enforced hibernation!!! One thing I have done is try and budget so I have the same…
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Some good news for a change
Yo ho ho! :T http://www.credittoday.co.uk/article/13439/online-news/dca-placed-into-liquidation Bwa ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha ha…
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Harlands - Gym
4 Months ago I signed up to a gym who use harlands for 3 years, I knew about the court ruling that 3 years is not allowed but signed up anyway thinking everything was fine for 12 months, I was in work, I had everything set up, within a couple of months my job was lost and I might even be moving towns. But I'm now tied into…
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Ccj on car
Hi , I have a Black horse loan on a car which stands at 3,500 at the moment it was originally 8000. For a year i payed a reduced amount due to my circumstances but eventually Black horse secured a CCJ to pay the full amount of 180 a month, if i dont pay the court oder says black horse can have the car. the car now has…
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Why do things get in the way of being Debt Free?
I have been making amazing progress, I feel, with my debts after having my LBM in September / October 2011. My debt is down to £780 from £2,250(round up). However I am feeling rather annoyed that things keep cropping up! I now have £250 University Fee's to pay before I can pay my £30 examination fee's, which need to be…
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Virgin or Sky Dilema
Hi guys, I have been trying to reduce my outgoings and a big chunk was going to Sky for tv package only at £70 pm (full package including espn and multiroom - but not hd) (also paying approx. £35 bt per month also for phone) Approached Virgin and they can do TV, Broadband and telephone package for £54pm including multiroom…
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Help! Tightening up the SOA :-)
Long time lurker, not really posted before so be gentle!! Getting really frustrated, we keep tightening our belts but it seems it's never enough to live off, let alone pay off the overdraft! Fingers crossed you guys have some ideas where we're going wrong! All & any suggestions welcome! The "pocket money" covers…
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County Court Judgement - Unaware
I have just had a credit check done by a letting agency for a new house. It transpires that I have a CCJ for £700 that I was completely unaware of. I have had no correspondence and can think of no bill I could possibly owe - I feel sick if i don't pay bills! I pay everything on time. What's my best course of action to find…
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Still paying off debts through CCCS
Hello, I wonder if anyone has had the same issue as I am having and if there is something that I can do about it. Here goes: A few years ago I was made redundant and at the time I had a credit card and a bank loan. Me and my partner had just had a baby so times were tough. I called my bank to tell them that I couldn't make…
