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Not Quite Debt Free but...
...today I've finally paid off all my credit cards. As you can see from my signature the situation was quite desperate in 2008 (and long before!) but with help from this site, careful budgeting and small, clear goals it's all gone. And to celebrate DH and I have opened our first ISAs :money: They won't have much in them to…
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Credit card or default?
I am hoping some one can offer me some advice please. I have a £1000 Lloyds tab credit card with a balance of £695 and a Next default for £297. The credit card should have been cleared this month but DH crashed his bloody car (and his mew work boots ended up costing us £300) I am going to need a new car in the foreseeable…
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Hi there I'm in debt crisis, but I have 0% CRdit cards
Hi there, I took the steps yesterday to tackle my debts head on. I went on CCC's website and filled oUt the forms and it came back that the options suitable for me is either debt management and bankruptcy, Our outgoings are more than our incomings. We don't want to file for bankruptcy as we would lose our home. And we…
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LBM!!!! I'm a DFW :(
Hi all I've been browsing through this forum all day and it really woke me up. I've been ignoring our money situation for far too long and it's time to make a stand! OH and I are getting married in August and will be wanting to start a family shortly after so now really is the time to sort out money worries. There are so…
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Help with my dmp please
So I have been on a debt management plan with the cccs for approximately a year, all going well, my circumstances have now changed as I'm moved in with my partner so my tax credits have dropped by a lot, the debt is purely mine will I have to include his earnings? Obviously I won't be able to pay as much to the dmp as…
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Please help - old debt
Hi All, hopefully someone can offer some advice on my situ, seems to be conflicting info on the internet when I search. Firstly, I'm fairly embarrased about this situ and this is warts and all. I ran up a large unauthorised overdraft (£1,020) with the Halifax bank as a student in 2001 and was unable to pay this off and…
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Which debt management company to use?
I know this question has been asked a number of times but im starting to get a bit confused with all the companies out there. Currently myself and my wife are in a DMP with Payplan and have been for about 4 years now, we have managed to pay off almost half of our debts in that time and I was starting to become less…
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If you believe Wonga loans look bad and affect your credit score - read this!
Got 25 entires on my credit file from wonga. Rang up today claiming they mis-advertise the use of wonga loans and that it doesnt actually give you a positive on credit file if you have a few of them. This shows signs of financial distress. Advisor went off to speak to manager and they have agreed that they will take off…
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robinson way
Hi I'm a bit of a long time lurker just wanted to ask a question ive just had a phonecall from a company called Robinson Way who asked for my date of birth and the postcode of an address i lived at 8 years ago- I said I couldn't remember so the lady on the phone said 'can you find it out and call us back' to which i…
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Help with provident loans
Please could some1 advise me what to do me and my mam are in such a mess with provident loans . We are paying 864 every 4 weeks and are really struggling to do this with our other bills and debt
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Proving Debt - 1st Credit
I have another thread going "1st credit..." but think people are sick of my ramblings on there. Simple question for those in the know: how long do debt collectors have to prove a debt once they have started asking for payment? i do NOT owe a debt but they say i do, i requested proof 6 weeks ago and still nothing - there…
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Belt so tight i'm oozing over the top
Seeing as we're in the middle of a heatwave we're having a BBQ tomorrow. I have my sisters kids visiting so there will be 6 of us :eek: Has anyone spotted any good deals on BBQ food around ? being a debt free wannabe sooner rather than later but still having to feed 6 tomorrow isn't going to be easy! Any help appreciated
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Experian report may be silly Q
Morning :D I've just received my report through today (:T only 2 '1's throughout the report quite chuffed) and quite a few items have 'settlement date' does this mean the account is closed? if so it looks as if they stay on report for 6 yrs, does this affect my credit rating in a negative way at all? Thanks :)
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No longer a debt free wannabe...
I woke up this morning, had breakfast, checked online that our wages had been paid and updated the DFW spreadsheet. The overall debt figure is now in the BLACK!!! In just less than four years, we have gone from a scary financial place (£27000 plus of loans and credit cards) to join the ranks of debt free.:j We have paid…
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Can't see a way out of this debt
I am not sure where to start. I eanr a good wage £26 000 (plus bonuses) and my husband £42k. Yet we have got ourselves into such amess debt wise and I honestly have no idea how to get out of it. It is so scary We have a 3k overdraft and are currently £500 overdrawn, we also owe wonga £320 at the end of the month... I have…
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Opening Dialogue With Debt Companies
Hey, Long time reader but First post but looking for advice. I have a 2k debt with lloyds which has been sold to Wescot. I have moved address and not been in contact with them for two years. (really bad I know) They have started mailing my new address and Im in a position (and mental state) to start paying this back.…
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Top tips for single man
I am asking this on behalf of someone else. This man is living with relatives so his rent is very low. However, he doesn't earn a fortune and is paying back a loan. His problem is, the money he has available after expenses, dentist, phone etc. burns a hole in his pocket. He doesn't have to buy groceries although does eat…
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Default on old bank account
Good morning! I have a quick technical question after being chased for a HSBC current account default. I opened the account in 1999 (aged 13). The account grew into a student bank account with an overdraft. There was a seperate loan in 2008 which I couldnt afford to pay. Eventually, the loan was "settled" and the balance…
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Friday 25th 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. :money: But once we have done the bigger stuff, we often feel that we are not making the same amount of…
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Inhibition Order/bailiffs Scotland... any info pls
Last few days have been a rollercoaster to say the least :eek: on way out the other side tho :) after having telling other half that id contacted Payplan is now all systems go... have a few questions tho re worst case scenarios.... As I am in Scotland DCA (if debts passed onto them) have no real clout as such is that…
