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Taken to court for Council Tax??
Hi Guys, I had some financial problems and stupidly ended up receiving a court summons for non-payment of council tax. I paid the outstanding council tax pretty much as soon as I received the summons, however I couldnt afford to pay the charge for the summons (nor do I really think it was just to pay them £104 for sending…
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:( Break-up with boyfriend/Fitness First and CARS
Hi guys, I'm new on here so please be gentle :) This might be pretty lengthy so I apologise in advance! My boyfriend bought me gym membership last year but a few months later we broke up. He told me he's liaised via email with FF and they'd agreed to waive the rest of my contract and he told me I wouldn't have to pay…
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Stopping debt collectors chasing previous tenant
Hi I have a debt collection agency chasing a debt for a person who moved out of the address 11 months ago. I send emails telling them they moved away and I know they are being read because i ask for a read receipt, however they are still sending letters and the latest one says they are sending a doorstep collector round. i…
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Credit Record
I recently checked my credit record & noticed that details of a personal loan with First Direct that was paid on time every month for 4 years do not show up. The last payment was made over a year ago but I was surprised to see no mention of the loan on my file. I spoke to FD & they said they didn't have my permission to…
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How to stop the green eyed monster??
Hi, I have been a member on here for some time, but do much more lurking than talking! I am using lots of the suggestions to cut back so I can clear some of my £21000 debt :eek: and hope I will stay motivated. I just wanted to ask how you all stay motivated with cutting back and not spending? I have now got a strict budget…
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International post codes no "Field"
Hello, Thanks for your helpful web site. I have a problem with many andyour web sites in that like other ex-pats I cannot access quotes dueto the requirement to put a valid UK post code. I understand that somecompanies do not want enquiries from overseas but some must want them? I live in Cyprus and wanted quotes from UK…
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Clearing overdraft
Hi all After a little bit of advice I'm trying to claw myself out of my university overdraft which is £1600. I'm with Lloyds and I have till August. I currently get paid £1000 after tax My rent is £400 and telephone bill & gym membership is about £100ish. I just can't ever see myself clearing it. So I was wandering, is it…
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Simple Steps for Sally
Hello Everyone! I have been lurking around here for longer than I dare to admit and have finally bitten the bullet and joined the £10 a day challenge (@£7.50). I am hoping for some support and encouragement – but most of all, some tough love because, from tomorrow, I am embarking on a plan to ease my financial situation.…
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Just want to rant...
Okay. I'm fairly sharp with the money. I saved for years, worked on my career and with some luck and planning got my self a flat that I can afford and am enjoying living on my own. I have some 0% debts that I'm slowly working down, and a card for spending that I pay off each month (gives me cashback and extra 12 months…
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Making Reduced Payments for a While..
Hello Hope someone can advise me further,Ive always kept things paid on time and up to date but with all the cuts being made in next few weeks until we can up our income i have 2 accounts that im going to have to try and ask the companies if i can make reduced payments for a while so we can survive..currently paying off…
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reduced dmp payments
Hi all, We have been on our DMP for just over 2 years now and our paying £300 pm on 40k of debt, We are going to have to reduce this to £150pm:mad: and was wondering if anyone else has had to do this before and if so were the creditors ok about it, Thanks, Max
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Please help can't see may way out
I have been under a DMP for two and a half years, since redundancy. But have found things a real struggle and have now found out we have been overpaid tax credits. Really need help, don't know where I stand with DMP having now got into more debts.
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Bank account advice - downgrading?
Hiya all, I've also posted this in the 'banking' forum but so far 35 looks and no replies. Thought I'd post it in here as well. Our current situation is that my OH is on a DMP and so, because we live together and I currently have no income, so am I. he has a basic account with the Co-op and I have two accounts with…
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Littlewoods default
Hello everyone, firstly my apologies as I am relatively new here, and don't really know what I'm doing. Recently I have applied for a mortgage and after having a chat with the adviser realise I have 2 defaults on my credit report, 1 for a credit card which falls off in September (After the 6 years so I’m told) and one for…
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Help for daughter in debt with Uni.
Sorry if this is the wrong place to post this, I did consider the student board so apologies again if it's wrong. I just wondered if anyone has any advice on this. My daughter got a letter from a collections agency this week requesting £1127 on behalf of Leeds Met and threatening legal action within 14 days unless it was…
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Very gone :)
Well after a couple of not so good DFW months, for reasons beyond my control (household items packing up, kids school trips etc...) I've finally paid the last £100 off my Very Account :) I had until the middle of March to pay off interest free and was getting genuinely concerned about making the payment. I started a new…
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Wednesday 29th Feb - What small DFW things will you be doing today!?
Can someone delete this please? Sorry, double thread :o
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Wed 29th Feb - What small DFW things will you be doing?!
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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Does anyone have...
...the correct email address to err, email CCCS please? (for when you are already a client and on a DMP with them) My emails to them keep bouncing back as "undeliverable", but that could be because I'm attaching too many scanned letters and statements to them? Well, only 2 attachments but they still don't get to them. I'd…
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lump sum offer or bankruptcy?
Can anyone advise me? Have been paying nominal payments of £1 to my 6 creditors (total owed approx £36,500. across credit cards, personal loans and store card - largest single amount is £14,000. smallest is £850) for past 4 years. They write to me every 6/12 months and ask for an update when I confirm that I have no assets…
