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Help - in serious trouble.
Hi everyone, I'm new and can only apologise for long panic-stricken rant that is about to follow. I'm a married mum of two girls (aged 2 and 15 weeks). I'm not going to lie - my husband and I have never really had any money but now the proverbial is really hitting the fan. We have had difficulties keeping on top of…
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Housing Benefit Overpayment - how to deal with it when on a DMP
Hi, I hope someone might be able to offer any advice :( :( Today i received a letter from council saying I owed them £1050 in overpaid housing benefit. This has arisen because I neglected to tell them I had a wage rises in the last twelve months. I informed them of my latest wage rise at the beginning of the month and…
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Am I on the right tracks?
Hi everyone, Here is my SoA - I have made notes to clarify: Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 - two adults + 16yo Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 2689.11 Partners monthly…
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Arrangement with Lloyds
We moved banks in February from Lloyds, after the transfer we had an outstanding overdraft of £400 which we could not pay until June. During the month of March we had an existing card payment on the account which made us overdrawn, we were subsquently charged for being over our overdraft limit. Lloyds starting calling us…
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Advice on getting fraud removed from my credit file?
I'll try to make this as short as possible. A brother of mine, took out a lot of debt on my name. Without me knowing at the time. He sadly did the same to my mother, in the process wiping out her entire life savings. The knock on effect is that we both now have terrible credit files. He has moved to Canada. Regrettably we…
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New Mortgage Needed on Debt Free Journey
Hi Sorry if this should be in the mortgage section. BUT... I'm currently trying to get debt free. I have all my debts and APRs together but have not done an SOA because, frankly, I'm not sure where my 'spare' money goes each month so I am keeping a diary for a month to see what happens. The financial advisor I previously…
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Time is money...but what's your time worth?
I have been a keen forum member nad have picked up many tips to reduce my outgoings and clear my debt. My question is what amount of time do you spend roughly per week and how much does that get you in monetary value? What is your hourly rate? I sometimes spend 25 minutes doing surveys and only gain 50p or £1 per hour, I…
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£45k debts and £5.5k PPI payout, where to allocate
As above, I am waiting to enter a DAS Debt arrangement scheme - which freezes interest on my debts (most are 30%) I'm getting a 5.5k payout and ive cashed in £1k shares Not sure how to proceed. My husband has an unblemished credit record (apart from any association with me :( ) we have only a joint mortgage no other joint…
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DMP Whats Best? CCCS Or Payplan
Hi All Ok Just a basic story for now. I am 38, married with 3 young children and another on the way. I work full time as a postman, and my wife is a childminder. The day we found out she was pregnant the mother of the child she childminded for decided to give her job up. Thus leaving us without a child to care for and no…
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please help - need to sort our debts (if any)
I decided to start another thread as my last one was specific and Im looking at more general advice. Background: Rubbish with money, got into debt with various loans, store cards and credit cards. Not had any credit given since 2005 and AFAIK nothing has happened to any of these since 2006. Although I have recently seen…
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Overseas DCA for a uk account
Hi everyone :j I wanted to see if anyone would be able to help me with something. I have a debt management planwith PayPlan as I have an outstanding debt of £2805 originally with MBNA but now is with AIC, and a debt for about £4800 which was originally with HSBC but is now with a DCA called Bluestone Recoveries who are…
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experian credit score
Hi all I need a bit of advice. I have had problems with debt in the past (an ex left me with plenty of it!) i had one ccj and a default on my experian credit report - it has all been paid off and the ccj is marked as satisfied on my credit report. There has been no defaults since 2010 and all recent things on there are…
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proposal for dmp
Hi all, these are the details I will be submitting to payplan for a DMP. there will be £800 to distributr amongs my creditors. Do you feel that they may accept? Many thanks. Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1…
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Credit Rating Issues - Double dipping
Hi All, I'm nearly out of debt, having struggled back from near bankruptcy. Then last Christmas I got a default added to my credit file from an old debt which at that time had been settled for more than 8 months. The debt was originally with First Plus and they sold it to Hillesden Securities. First Plus never recorded a…
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Who else is loving pay day :):)
So another payday = another £800 paid off the CC's. Roll on next pay day to clear another card in full :) :) There is light at the end of the tunnel ... £14k last year, down to near £3k today :) :):) and we've managed 2 holidays this year and just spent £1k this weekend decorating the house as want to put up for sale. Hope…
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inhibtion order
Hi everyone just had a sheriff officer at my door with a form for an inhibition order for my property I cannot believe this has happened it is for a debt for £1600 which I have a time to pay order for £30 a month for Capquest and first payment is not due until August I am a bit shaken first time this has happened to me.
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credit report - I can't get mine
Hi, I'm trying (and failing) to see my credit report. Years ago I have looked at Experian and now I can't get on because I'm already listed, but I have no idea what email address or password were. I have tried others, but they can't verify me. I am on the electoral register, though have just recently moved (5 months ago).…
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Marshall Hoarse Bailiffs/FOS
Around a month ago I raised a complaint to MHB via the FOS. I haven't received a response. MHB have now sent a home visit text, however can they continue to pursue the debt whilst there is a complaint in which they haven't responded to? Please note they are still recieving my monthly payment from CCCS in regards to my DMP.…
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Marshall Hoarse Bailiffs/FOS
Around a month ago I contacted the FOS about MHB and they have complained on my behalf. Today I have received a text with the whole home visit rubbish. However I have not received anything in regard to my complaint via the FOS so are they allowed to continue collections whilst there is a complaint in place. Please note…
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Council Tax Help.
Hi everybody, I missed a council tax payment and so I am now paying my council tax to a collections agency. However, I am a single person and should be paying at a discounted price. Could I claim back overpayments from the collection agency who are working on behalf of the council? Thanks in advance.
