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I want to be Debt Free
Hello, About 5 and a half years ago I went mad with money and now regret it as my credit files are shot to pieces. Now the big question is . . . WHERE DO I START ??? :( I realise that 2 have dropped off already and do not show as the 6 years have passed. . . By the looks of it a few more are due to drop off as well soon.…
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Some debt advice needed please....
Hi silly i know.. Got myself in a little bit of debt over the past 2 year mostly all with payday loan companys. It totals about £5k all spread out amongst these vultures and debt collection agencys. Young and stupid getting these loans not paying them back then they got passed on to numerous agencys who are hot on my tail!…
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Having a mare...Warning VENT
Well, after finally accepting I have money problems I got onto CCCS and am in the very early stages of a DMP, all good, feeling a little better about myself that atleast I am doing something about it.... THEN.... I've had the mother of all weeks..... First....going through the process of splitting up with the missus. I've…
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Debts and Don't know what to do.
Hi All Well I am back, I thought I was doing very well! Until I realised today that I am standing still and not making any progress all of a sudden. I know that as of April that my rent (shared owner) is going up by at least £20.00 and that we have some more bills that are due. Now I am just paying everything, just about I…
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Euros or Sterling cheque?
Moved to correct forum
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£500 win but what to do with it ...
Hi lovely peeps x Well finally lady luck must be shining on me as I won £500 on a scratchcard (which cost me 0 as I found a pound on the floor :T) Anyway .. I know this is strange but I dont know what to do with it. I am in debt (like most of us :p ) OH's esa stops in April, I have lost 2 stone since January :jand…
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Help to Keep on The Straight and Narrow Required Please
I am useless with budgetting ... I know I am useless ... I just can't seem to get a grip. I read this website and feel like I know all the 'theory' - I monitor the household finances, review them regularly to check we are getting the best deals on our utilities etc, have savings set aside for annual expenses etc - but when…
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My situation/dmp help
Hi,any comments on my situation i am currently earning approx 1900per month, debts natwest od-1225 natwest loan-3800-154per month barclaycard-770- wonga-1000+300 interest per month pduk-240+80 interest per month pdexprss-640+160interest per month lending stream-240+140 payoff per month h and t-600+78 interest per month…
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Settled Default and Mortgage Application
I have a settled default from January 2007 against a previous address (moved 3 times since then). I have no other defaults on my credit file and all my current credit accounts are running well, with no missed payments or balances over £500. I have been in my current job for over 4 years. I'm looking into getting a mortgage…
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Advice needed - DMP affecting joint credit
Hi folks I am starting up a DMP very soon and need some advice. Should I remove my name from any accounts that I share with my husband (whose credit is excellent) including our mortgage? We currently have a joint account which I probably should get my name taken off. Will me being on a DMP affect his credit if I get my…
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Enough is enough, time to be debt free!
Hi All, Me and my husband like many others have used loans to pay for things over the years. It's never really bothered us, until our income went down a few months ago and we realised we are paying over £800 a month on debt (ouch!) So it's time to sort it out. Here we go. I will be joining the £10 a day challenge, comping…
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Advice on release of equity
Hi there, I wonder if you could give me any advice about debt management. I have had my fingers burnt by quite a few debt management companies and as I am a homeowner I was thinking about releasing some of the equity from my house to become debt free. I would appreciate any advice or pitfalls about doing this. Thank you.
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Credit File-Ocean Finance
Apologies in advance if this is the wrong section to post this as I can’t find a section relating to credit files. Point me in the right direction if there is a forum on this. In 2007 me and my girlfriend enquired online to Ocean Finance regarding a mortgage although we didn’t actually apply for one through them. Currently…
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Sat/Sun 24th/25th 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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Default Question, what happens after you default?
Still learning all the terms of this site etc. What happens AFTER a bank for example defaults you?
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Statute Barred.
Keep hearing the term. What does it mean.
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Advice needed!
I ran into financial problems from early 2010- mid 2011 as a result of ill-health and was out of work. As a result, defaulted on my credit card monthly repayments and overdraft until eventually, these accounts were closed (late 2010). The cc account was passed to the debts collector, however following the closure of my…
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A year on...
So exactly one year on from my "light bulb moment" and I'm feeling pretty good about what I've paid back from my original 23k debt spread over 4 credit cards and 3 overdrafts. Now owe 11k on one Loan :) Problem is because I now see the debt as manageable, and therfore not as scary I've slipped into my old ways! Buying…
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Defaults - getting the date changed?
Hi all, I'll try and keep this short. Been in a dmp since Oct 2007 (had about £18,000 of debt). Have paid religilously on time every single month. Now owe £7000 (so getting there!) Fully expected and accepted I would be given defaults as I had broken my contractual payments. Egg duly defaulted me in early 2008. But out of…
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Cabot financial calling me at work
All, Was out of the office all day and got back at at about 4.30pm (went out at 0800). My boss pulls me in the office and asks why I have had 8 calls from Cabot financial.... I genuinely don't know why they rang (but they only chase people that owe them money so there must be something lurking..). Can they ring me at work?…
