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DFD - May 18th 2012!!
I'm so proud of myself. I've really been on a crusade to pay off my debt, which totalled around £2,500 when I started in September 2011 - all thanks to this website! My debt free date is going to be May 18th 2012. HOWEVER. If I can get just 10 hours over time at work, between now and April, I can be Debt Free by April 20th…
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charging order update
hello all, just wanted to update all that helped me previously. To cut story short,NW were threatening to take charging order on my property,I had just accepted offer on sale of house and did not want this to happen before sale went through. I sent a CCA request to them for personal loan and also F&F letter for 25%. Today…
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On the right road :)
Sorry, Im new and this is, admittedly, a bit of a pointless post but I feel proud and want to share! My Husband and I worked our all our unsecured debts and realised, with horror, that we were over £23,000 in debt. No wonder we've got no money left each month! After a day or so of feeling utterly sorry for ourselves we…
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MBNA / Experian - what happens now
Hi Not sure if this is in the right place but hopefully it is. I've recently paid off £22500 from my MBNA card, and then paid the following months statement off in full so definate £0 balance. Last year my card ran out and MBNA said they wouldn't send a new card - I'd had been over the limit by a couple of £100 three times…
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Any Advice Please?
Hi Am currently in the process of writing to all of my creditors (mainly Payday Loan companies) to request payment plans, frozen interest etc. I've made an Excel spreadsheet of all of my debts & pro rata'd the available funds I have against each debt. Any further advice would be hugely appreciated, either with the above,…
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Voulentary Termination of Car Finance - Outstanding Amount
Furious! I VT my car finance on 31st Jan 2011, car was inspected and taken away. It was a 2009 Fiat with less than 12k on the clock, it was only used as a run around for me and I could no longer afford it. Anyway, I've just had a letter through this morning demanding £520 to be paid on 15th Febuary for damage above fair…
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full and final settlement
hello all i have recently sold my house and been left with £30000 available cash to pay off my creditors. My debt total is £53000 approx over 8 creditors of varying amounts. i currently have a dmp set up at £102 per week through payplan. this is the third year it has been in place my case worker has contacted my creditors…
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aktiv kapital dispute
can somebody please tell me at what point a debt becomes stat barred? is it 6 years from the original default or six years from when you last paid/aknowledged it? i have been through numerousr threads on here and i was under the impression that if the debt was aknowledged the 6 years starts again however i have also read…
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consolidation of relatively small debts
Hi everyone, I am sure there have been loads of posts like this in the past but I just want to know everyones opinion on my personal situation and what the best way forward is. Long story short, I got a credit card given to me by my bank when I was 17, didn’t really understand anything about credit whatsoever, spent all…
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Advice, opinions please
Hi folks, I did post this on the credit card thread the other day but had no response, so thought it may be better to try here. Basically I have been self employed (sole trader) for many years. Business has been good as in there is always plenty of work and the turnover and profit had been good. However over the last…
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Bailiffs ! Urgent help needed !
Not sure if this is the right place to post this, so if its not then apologise as this is my first time posting. Basically i came back from the shop yesterday to find my car clamped and a notice of seizure and inventory through my door ! Now the letter stated that i owed £164.00 in fines, which i put my hands up to ! But…
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a BIG thank you
Hi, Not so long ago I posted needing advice on a dmp. I very nearly started the route believing it was the only option I had. Thanks to the incredibly informative advice of some forumites and the inspiring threads of others with many tips I have decided not to go down the dmp route. I sold our car (on the day it went up…
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Thursday 9th Feb - 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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Help and advise
Hi people. I'm not the greatest person with money, I never have been. But I made it my resolution to get my self sorted this year. Now I know people will look at this and think its hardly anything but it's worrying me to the point where I can't sleep. Iv run up a few debts in the last few years mainly due to a payday loan…
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In desperate need of advice
My Husband left me xmas eve after disclosing he was sleeping with 2 other women, and then assaulting me. We bought our first house Oct 2011. He now refusing to pay anything towards mortgage etc as he states that I gave him a criminal record, even though he assaulted me. I am trying to pay the mortgage, but am leaving…
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Need to reduce our DMP payments
Hi all I have been in a DMP with payplan for almost 2 years while my wife is with the CCCS. together we pay £280 per month and owe around 23k We are finding it a lot harder to meet these payments and I contacted an IVA company that suggested our surplus amount each month is really £150. After a lot of discussion we have…
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HP car - court order - who now has full ownership?
As title really. The HP company have had a court order since nov and still havent come to collect the car. Who is actually the owner of the vehicle though?
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HFO - Random phonecall with offer to settle for less than owed?
Hi Not sure if posting in correct post, 1st post. I have a debt being managed by HFO Services, My debt is on my credit report as being defaulted on October 2006 - which i agree with, therefore is will be leaving my credit report in Oct of this year. I have been paying 30 pound per month since first defaulting and my…
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Cohen/rundle/south glos
i too am at my wits end with dealings with mr cohen from rundle and co. today i delivered a letter of complaint to the council . yesterday he waltzed un announced through my front door ,along my corridor and into my lounge after opening the door . I had company but that didnt stop him.he proceeded to tell me i had broken…
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Mobile phone contract
Advice please. I started my very first mobile phone contract in January for £35 a month. Now my husband has left me and I have no family to help. I am an OAP who suffers with ill health so I can't work and I don't know how I will manage paying this contract for the next 2 years. I now must keep the heating on low so that I…
