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Life after payday loans !
I have posted quite a bit recently and really want to thank everyone who has suggested ways I can imrpove my situation. I am behind with the mortgage, car payments and have 2 x payday loans and an overdraft. Hopefully my arrears will get sorted in the next few months and then I will get rid of the payday loans. My worry is…
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Friday 10th Feb - 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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Credit expert access
Hi So I've had my lightbulb moment and I need to sort my debt out. I have been signed up to creditexpert.co.uk for years and havent looked at it for years (head in sand) First step to sorting things is to check my report and so I logged in today only to find that despite paying £6.99 every month for years (indicative of…
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Cancelled Sky Direct Debit
At the beginning Sept '11 I rang Sky to cancel my contract, which I had had for 11 months etc. thinking I was all within their terms, but they said you have to cancel EXACTLY a month in advance so ring back in 9 days, instead I just decided to cancel the direct debit as I worked out they'd already taken 12 payments as they…
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This forum has helped me so much.
I've been a long time lurker, first time poster. I woke up one day a year ago realising I couldn't face my debts. Time off work sick had reduced my income, and my debts spiralled. I was working full time, but stupidly had rolling payday loans and credit card debts. At one point, I calculated my total debts to be nearly…
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Is the forum poorly tonight?
I'm having loads of problems with it....
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I need a break!
So my wife has been out of work for 6 months now and things have been a real struggle. Before she lost her job we were managing fine. My wife has car finance of £218 a month and a loan of £192 a month in her name and we have tried to keep up with these payments to keep her credit score in tact.. I know that this is a…
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Help and guidance needed please
Hi, this is regarding a previous post but I can't find. Basically my brother is in arrears with about 7 creditors and one of the arrears is with TSB for an overdrawn bank account. The total outstanding is £1477 (previously thought £2500) Some of these are charges and some are also DD's pushing it further into the red. He…
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Advice please
I wonder if anyone offer advice please. Basically I have a relative who is in a situation that they knew nothing about. Their person concerned is still in hospital having gone through a major operation and the partner has discovered that they have run up a debt of over £26k. They are both pensioners and have very little…
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MBNA - Current account nightmare!!!
This may seem strange as I work for a well known, non taxpayer owned bank, but I'm totally and utterly at a loss here. As is every one of my collegues, managers, strangers in the street, family etc, etc. At the beginning of january I made a £900 payment to MBNA on their website, though my bank card. However, in the…
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grants for roof repairs
I am one year into a debt repayment plan which will take 6 years to pay off my creditors. My flat needs a new roof which will cost approx £3000 but I dont have the funds. I have tried researching grants but as i am not on benefits cant find anything that applies to a single parent, age 52, in Scotland in a DAS (debt…
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Who to contact re CCJ
I am in the process of having (hopefully!) a CCJ set aside. Question: The debt has been sold since the CCJ was issued. I am seeking information from the companies concerned regarding the circumstances surrounding the debt, before it went to court (as I dispute the debt). The company that "own" the debt now say "not our…
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Marston debt but don't know what it is
I got a letter from the Marston Group today that reads as follows offence: refuse / neglect to comply with or contravene a pr. o9/12/2011 then t has the amount of £535 with another £115 added on to it And then it goes on to say that I have 7 days to pay the full amount or further costs of £215 will be added. I Have phoned…
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It's ALL going wrong...
U]UPDATE: 30th August[/U FOR THOSE HOVERING OVER THIS LINK: - I owe £26,000. I am on a Debt Management Plan with CCCS, and today have received my letter confirming my redundancy on Friday 30th November 2012. Just found out that despite opening a new basic bank account with The Co-Op, completing the CCCS Debt Remedy pack…
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Lloyds TSB Account - can Halifax access to offset debts?
Hi, I recently changed from co-op to Lloyds TSB as the co-op is a nightmare account to run online. They don't update your available balance and therefore when my OH spends on his debit card I don't know until several days later, which is no good when trying to run a tight ship!! I am setting up a DMP with Payplan and they…
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Finally asking for help
Ok,after a long time trying to balance the books and going round in circles i have finally decided to face my issues. Over the years i just spent and never worried like i should have,this now means i have a £7500 and £5100 credit card debts and a £7500 overdraft. I do have some spare money each month but because of the…
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Thinking of going alone
hi, basically i have been with payplan for six years or so. A few of my creditors have frozen intrest while some have not. I have a natwest overdraft which started out at around £600 - £700, after six years of paying, totalling £538, the balance is now £1,500. I also have a loan with cahoot which i pay around £100 per…
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Recording Late Payments on a Credit File
Hi, Just wondering if anyone can give me any information on the following. I was recently in a lot of debt and entered a DMP with CCCS. It is now finished an I am debt free! :j However, I am now checking my Credit Report and seeing how to improve it. It isn't as bad as I thought it would be but I have noticed something…
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DMP Without partner knowing??...
HI Guys, Firstly, apologies if this has already been asked and answered, I have done a brief search but couldn't find anything..? Anyway, what I would like to know is if I can start a DMP for my debts but not necessarily include my husbands? We both have about 10k (GBP) of debt each but whereas he is working/ earning and…
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Help! Problems on my Credit File, how can I improve this to apply for a mortgage?
Looking for some good advice, if anyone can help? I want to apply for a mortgage with my partner who has an impeccable credit file and good deposit. But I’m afraid we’ll both be rejected because of my credit file, and then I’ll have injured his credit rating by being rejected. So if I can improve my credit file, I would…
