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Debt free soon!
Finally, after 11 years of being in debt I will be debt free in October this year! :beer: For those struggling, please don't give up. I was in £29k of debt and I couldn't see a way out but I didn't give up and now it's almost gone :D This website has been amazing and I will continue to use it long after my DF date. Keep…
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Can't Let Go Of Savings
Hey everyone, So I have some debt on two credit cards, Around £3k and nearly £1k in savings. £2k of the debt is 0% and the rest is costing me about £17 a month. I know that it's stupid to have debt and savings at the same time but I have a psychological attachments to the savings. The £1k debt has only been around for a…
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Accepted Payment Plan - Now Earnings Arrestment
Hi All, I had a payment plan set up with an organisation for unpaid council tax stemming from an overpayment of council tax. I paid into the agreement via direct debit which was set up at £80 per month for 10 months. Yesterday, I come home to a notification that my wages have been arrested of over £300 per month :(…
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Debt advice live blog - The Guardian
Interesting. http://www.guardian.co.uk/money/blog/2012/may/21/debt-advice-live-blog
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Newbie alert! A bit of advice needed...
Hi all, This is my first post on MSE! Eeek! Its a long winded post and Im not sure if its in the right place on the forum! So, after a relatively short period of time (2 years) Ive gone from no debt at all to £11,000. Scary isnt it?! Since sitting down and going through my finances and taking responsibility for paying them…
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Barclay Loan default
Hi DFW's, My DMP is not due to start till 1st July, i have missed one payment on my Barclay Loan but made a token payment instead, and will make another token payment for June. I have this morning recieved a Default Notice, there is no mention of the DMP although CCCS say they have written to them, plus 2 other of my…
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Newbie...Staying on top of my debt!
Im not sure what if any advice i need I just done a SOA to look at what Ive been spending too and see where I can make cuts! I moved into my own place last september and about 6 months ago got my first credit card too (eek) as there was a few things I needed to get still Just done a SOA - I should have money left over at…
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Credit File Scoring
Hi I have a question on my credit scoring ... I have a number of defaults on my credit file that date to last May. My understanding is that these will then drop off my credit file by May 2017. Can creditors register a new default if the debt is not settled, e.g. if it is purchased by a DCA? I am in a payment arrangement…
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request for credit agreement (they dont have it)
I asked for a copy of the credit agreement with my credit card and instead I got a reply letter saying how they are confused why I am asking for this and sent instead the agreement from my debt management company. What does this mean? What should I do next?
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Letter received about court proceedings help
Having made a verbal offer of monthly payment to credit card company I never heard anything else now I have received a letter saying court proceedings will be made unless I pay in full on the next week I am so scared please help ! ?
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ToothFairy Finance, £400 loan, repaid £600 already, they want £1350
A good few months ago, I was in trouble with a few payday loans. All sorted now, and I was due to make the final £50 payment to Toothfairy as part of a monthly payment plan earlier this month. The loan was taken out for £400, and up to this month I had repaid them £600. The final £50 payment failed because of my error,…
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Old debts no longer on credit file - Do I still owe the money?
I signed up with a debt management company in november 2005. Since then some of the debts are no longer appearing on my credit file. I stopped paying the debt management company beginning of last year because I had some money I wanted to pay off all my debts with, I made offers, but nobody accepted them except one card…
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Fresh Start Finance AVOID!!
I can't put across how frustrated I am with these bunch of Idiots calling me every single day when I am at work!! Everytime I answer my phone there opening gambit is 'It's just a quick call from Fresh Start Finance, there is nothing to worry about today' I bloody know there is nothing to worry about pal as there is nothing…
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Full & Final settlement offers
Hi, I have just joined having tried to ignore that I have debt problems. I now want to face these head on and my first positive move was to register here and my second will be to talk to CCCS. I have 5 creditors with debts totallling 20K. The first piece of advice I'm looking for is whether anyone will even consider…
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Trying to remain positive
In all the doom and gloom of out of control debts and trying to tackle them and worrying about covering next weeks bills I phone to make a payment on a payment plan and find out I've paid off more than I thought Store card was £1300 is now £720 ! This small achievement cheered me up a little and wanted to share :)
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Geoffrey Parker Bourne solicitors demanding more
Hope someone can advise I am in a repayment plan with GPB and I am currently paying £15 a month for a debt with Next, My balance is currently £127.21, just phoned this morning with this months payment and due to financial difficulties the payment was a week overdue. The man i spoke to told me that as payment is late it is…
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Fedrickson International and HMRC
Hopefully I have posted in the right place and someone can advise. I used to be self employed until 2005. The business was closed down properly and de-registered etc. 2006 I get a bill from HMRC for class II contributions. I contacted them and told them I was now employed and paying class 1 contributions. They looked up…
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Monday 21st May - 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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Pay for Delete
Been doing some research online regarding Pay for Delete. Anyone ever had any luck? If for example, I owed Lloyds TSB £3000 but now the debt has been taken over by a Collections Agency, who should I send the PFD letter to? Lloyds or Collections Agency?
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Catalogues - rebuilding credit score
I have a poor credit score but have currently got a Jacamo account and a Capital One credit card to rebuild credit. I have been advised to get a catalogue to also help rebuild score. What company would give me one in my current situation?
