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Friday 30th March - 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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Desperate help needed with NDR money
Hi everyone, I really need some help with these people. My husband and I owe money to several creditors and many have accepted our pro-rata agreement, based on our own DMP. NDR money however aren't budging. We have 9 accounts with them between us, all catalogues. I have sent them so many letters and it's got to the point…
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Relapse recovery!
Well I've done it - shredded the credit card on payday, set aside dd's in a different account and set a budget of £100 a week for petrol and food and other expenses. I did fall into a bit of a relapse with spending splurges beginning xmas last year and jan/feb/march this year which resulted in an extra 2k on my credit card…
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my example of credit report
HIya I am curious as to how my credit report looks to everyone. Have checked Equifax and its as follows. 12 active credit accounts, ie bank accounts, mobile contracts, catalogues, (green) 3 closed catalogue accounts showing with a green (s) one red default that will drop off in August of this year and one red default that…
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Mental health issues + debts
Hi I may be clutching at straws, but I really need some advice, I have been suffering with mental health problems that has resulted in my running up some debts, the worst being with welcome finance, I really wasn't in a fit state to take on the loan and cannot afford to keep repaying....does anyone have any ideas what I…
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Debt Arrangement Scheme Scotland
I am in the process of applying for a joint DAS with my husband. Is it possible/advisable to go down the route of reclaiming bank and credit card charges once we are approved for DAS?
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Vanquis Again !!! Advice Please
Hi Cut a very long boring story short. We over spent on credit (our own fault) We sought help from CCCS (fantastic) We set up a DMP with them and began paying off our debts. Things were going very well and we have been managing the DMP ourselves since December with all our creditors being great. With one - exception…
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Credit File/Report Pickle!
Hi Everyone, I wondered if anyone might know a bit about Credit Reports and how they work? I don't want to give away too many personal details obviously so I'm going to try not to. Basically, I have been monitoring my Credit File (with Experian) for a while as I have been expecting certain old nasties to 'fall off' and…
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Bank of Scotland/ Halifax default
Have a agreement in place with the above for monthly payments with a review due in july this year , now today they have sent a default notice ending our agreemnet and handing it over to a debt collecting agency now only thing is that i sent off the monthly payment cheque early morning before i got the above letter . will…
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crafty bailiffs.
hello all.my name is joe. new to this. we have a council tax debt of 631.70 which is in my partners name.my partner kirsty is having a debt relief order with this account on it. we had bailiffs (jacobs) knock on the door insisting that we either sign an agreement now or they could apply to have the car clamped or removed.…
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peoples postcode lottery
https://www.postcodelottery.co.uk/HowItWorks/FAQ.htm what do people think?
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Best way to pay off multiple debts?
I have various debts, I am just in the process of working out who I owe and how much. Would it be better to pay every creditor the same amount or would it be better to pay off the smaller debts at a higher rate and clear them quicker? I am on a low income and don't want to go for an IVA/bankruptcy etc as I hope to buy a…
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Someone explain equifax credit report?
Can someone talk me through the equifax credit report? I have the free 30 day trial which, as far as I can see doesn't give you a credit score. Everything seems to be up to date apart from a couple of late payments. If there were defaults where would it say? What is the most useful thing I am looking for as unless I am…
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What happens to CCJ when Charging Order issued?
Hi, I am currently on a DMP with CCCS. One of my creditors, Nationwide, for some unknown reason decided to go along the CCJ and Charging Order route to effectively turn an unsecured debt (£3,000, old overdraft) into a secured debt against my property. This was despite the fact that I have a DMP and have been making…
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Just £80 left...
...and I'll be debt free!! I took an old necklace to the jewellers today - haven't worn it in years. Must've been given it when I was around 16. They gave me £200 for it! I've used this to pay off my Littlewoods account which was at £229. Littlewoods also said they will keep my account open, with a small limit, so I can…
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At what point will a bank "set off" your borrowings again your current account?
This is not for me (honestly!) - but at what point will a bank make a "raid" for want of a better word on your account? Someone I know has had a default notice - they are contacting their bank asap to try and make a repayment plan but hold an account (joint with their partner) with the same bank. Does the fact that it is a…
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Hi diddly dee, a whole new life for me...
So here I am, and hoping others will join me on my journey. As of today I am a single mum to my two girls. Hubby and I have not been getting on for a long time, have totally grown apart and decided a good few months ago that this needed to happen. It has been a totally horrible few weeks, and I know it's going to take a…
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Need template letter to ask bank loan to stop charges please?
I keep seeing people producing template letters for things, but I have no idea where you get them from! We need one to ask our bank loan to stop applying fees on 'late' or 'reduced' payments please. Thanks x
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HSBC collections
Hi I'm new here, I wondered if any one could give me any advice, basically to cut a long story short HSBC has sent my account to a collections agency. I had a graduate overdraft which they closed due to me not making payments into the account which at the time I didn't know you had to do but that's another story, we agreed…
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Littlewoods - which way to do it?
I have the money to pay off my Littlewoods Account in full - the full £229 as it currently now stands. My problem with paying it off is this... Over the lifetime of the account I've incurred quite a few charges. I am disputing the charges that have been added for "Debt Collection Letters". They total around £72. I sent…
