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What to pay first?
Hello all, I have a fair bit of debt to pay back an have had most types of action taken against me, opportunistic threatograms, DCA letters, CCJ's so I am used to being in bad credit, however at the moment, I have three that are shouting the loudest. 1)Housing Benefit Overpayment: Now I admit that I was overpayed by one…
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Monday 28th 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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Dmp plan and natwest help
Hi, I'm really new to this, I'm a student nurse and got myself into a debt which I could not handle, I contacted the cccs and they said I qualified for a debt management plan. I've been browsing the forums and read that sometimes natwest dont accept the DMP and go for court action? I'm 20 and still live with my parents in…
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What would be best....?
Well where to start !?!?! Basically I am considering getting a consolidation loan...and do not know if it would be for the best or not. I have listed my debts below and the apr and monthly instalments too. Any help would be sooooo appreciated. Very Catalogue - Balance £499.68 - Monthly - £22.68=Apr34.98% Barclaycard -…
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Debt Advise Please?
Dear All, I have been reading various posts regarding "debt" and was hoping someone could give me a new angle on things please. Basically, I have two loans both at the same place and I am over-drawn every month. I have looked at this situation from every angle that I can but cannot see a solution. Also I have a junior wage…
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Statement of Affairs and Personal Balance Sheet
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 565 Partners monthly income after tax....... 0…
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Second Job
Hey everyone, So I have about £2200 on CCs (in fairness all but £80 of it is 0% but still). I want to get rid of it as quick as I can before I go back to Uni in September. Has anyone else had much experience in getting a second job? I work 9-5 but I figure an extra 8hrs a week wont kill me and will give me about £150 extra…
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Financial Money Manager
Hi All, I am looking for a financial money manager. I used to use Microsoft Money but as I can no longer directly import stuff from my bank it is a pain to use now. I definitely need one where the info from the bank can be imported. I have tried Banktree on a 7 day trial but for the life of me could not work out how to…
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Agreed Settlement - Advice Please!
Hi One of my creditors, a DCA has offered me an "agreed settlement" which reduces the debt by 70% and allows me to repay the resultant balance in thee instalments. I think I should accept and perhaps try to use the settlement as an example with other creditors (some other DCA's and others still the original lender) to seek…
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Default question
Hi I just have a quick default question. Does a default get removed 6 years after the default issue date or 6 years from the last payment? I have a default that was issued in 2008 but the last payment was 2006. Thanks
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main bank account
i dont know if this is the right place to post but really need help. I have 2 bank accountd with nationwide - 1 which i use for moving movey and this is listed as my main account. and the 2nd where my wages go in and direcr debits come out of. should i change this to my main account and if so will this affect my credit…
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The ex wifes bills again...advice please
Good evening I would like some quick advice before I shell out more money on the OH's ex wife. He recently received letter from a debt collection agency regarding an unpaid bill of £30 for Sky. After some telephone calls to Sky and the agency it turns out that the bill is for a Sky account in my OH's name at the address…
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How do you stay in budget?
Im pleased to say that by the end of Dec 2013 me & my hubby will be debt-free. One loan ending in the Jan & one the Dec that year. I also have a £2,500 credit card to pay off also in that time frame - we had an unexpected house move & didnt have the two lots of rent, money for carpets, etc. I hope we can pay it off. How do…
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statute barred debts and credit files
Hi all, I hope someone can help with this as I've been doing a bit of research. A bit of background... back in 05/06 I was having a bad time of life, split from partner, lost house, lost job, and to top it off my mother passed away... so bad couple of years! Anyway I ended up with a few debts. It's taken me a long time and…
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Improve credit rating
We are currently doing well reducing our debt - helped by a PPI payout, but still have 2 credit cards with high aprs. I've been declined when I applied for a zero interest card in the past - I'm guessing due to the level of debt as I've never missed a payment and only had a couple of late payments around 18 months ago when…
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Can you advice on S.O.A?
I want to pay more off my debts and I already pay more then my minimum but I want to know if you suggest I pay even more each month. S.O.A Income: Monthly £603 Wages £520 WTC/CTC £80 CB £320 board from 2 Adult Children = £1,523 Debts HitachiCapital (DFS Sofas) £1,118 with interest free credit and a fixed payment of £68.50…
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CCJ Help
Hi Guys, When I was 18yrs old my father passed away at the age of only 50, he had not left a will. His estate was divided based on what the government deemed correct at the time. As a result i ended up inheriting 12.5% of the family home as did my sister. When I reached the age of 21 I learned of the money troubles my…
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debt collectors chasing father for debt thats not his
thats it really. My father is abroad and the debt is from an unpaid B/Gas bill that a tennant left outstanding when renting out dad's house here in the uk. He had a well known letting agency in charge of the property for him, they dealt with everything, but the one thing they didn't seem to do is make sure that all utility…
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Snowballing Help
I can't find any information on the main site but can anyone tell me where the MSE Snowballing calculator is please? :beer:
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Do I use endowment to pay off debt?
We have credit card and overdraft debts totalling £39K and have been considering a debt managemant plan. We have a mortgage of £110K of which £63K is interest only. The 2 x endowments we took out to cover the interest only part of the mortgage are about to pay out approx £34.5K and we had planned to then convert the…
