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TV licencing help COURT PAPERS
Hello all, I'm hoping someone can help me with some advice about a court summons ive received... I got myself in some debt last year and my TV licence expired and I didn't have money to buy a new one, and didn't have one for a couple of months, then late on in the year Dec I think? someone knocked at my door and issued me…
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First and Final Offer Letter
Any advice on how i could go about sorting these out with regards to long standing debts would be gratefully recieved please. I have been unable to find any other topics on here with it although i may have overlooked something obvious If so Sorry Jay
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bailiff refusing a pay by instalment offer! HELP!!!
I received a hand posted letter while i was in 4 days ago. The person made no attempt to knock on the door at all and it is my belief that they actually tried to silently slip it through without having to talk to me. I have a dog that sits by the door all day and barks at anyone that comes near it! The letter was from a…
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Issue with partners old lloyds credit card default
Hello Me and my partner are currently sorting out our finances with a view to get a mortgage. She informed me of an old credit card that was not paid around 4 years ago. Long story short her ex partner from this time used the card and was suppose to be paying the bills for it and then after they broke up left the country…
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£11k in debt
Hi Guys, I have been reading the forum tonight and really like the post what Little Miss Uni-Debt has written, it has given me lots of ideas and made me really want to sort out my debt! So I am in a £9k over draft and £2k credit card. The over draft is from my shop which is now closed down, but I am still buying and…
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Weekly Spend Challenge W/C 26th Aug 2012
Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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budget planner -
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 2,903.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Situation Dire
I posted this on the bankruptcy board but hoping there is another way out. Ive been lurking around these boards for a while and got some invaluable advice but thought it was about time I sorted my finances out. I have done an SOA and its looking a bit dire. All the debts are in my name except one of the hire purchase cars…
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General advice on debt repayment
Hello all, I'm looking for some advice on repaying my debts off. A few years back, I really messed things up for myself by getting into a bit of debt (less than £4K) I'm now facing up to this debt and want to start repayments to see the end of this debt ASAP. Until recently, I would say 'I couldn't afford to pay it off'…
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Stress
How do people handle the stress of being in debt? I am coming to the end of a debt management plan - have paid back over £100.000 over the last 7 years. Payplan are in the process of negotiating full and final offers for me - my mother has given me some money and I have received an unexpected bonus from work. Most of my…
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Spendaholic help!
Hi Everyone, I'm a newbie so please be nice! I'm looking for a little sharing of stories around being a true spendaholic if anyone is willing? I'm 32, married with over £20,000 of credit card debt. I have absolutely nothing to show for it, as it's simply been spent on month-to-month overspending. I know I've been doing it.…
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A life after debt question - what % will you put away?
This is a theoretical question - I was wondering what people's opinions are, rather than looking for advice. Assume all your debts are paid off for this, because otherwise it brings up the interest on savings vs interest charged on debt issue. What will you do with your absolutely disposable income, after bills, food, etc…
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Best way to lower the interest paid to credit card?
Hi This is on behalf of my husband, who has managed to rack up £2000 on a vanquis credit card (originally he wanted to just get it to build his credit rating back up, but instead he just spent on it, which i said would happen from the start, but men never listen) He has a ccj which ended in 2008, but hes never sent off to…
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My partner's worried his bad financial situation will affect mine negatively
Hi there, My partner is doing an excellent job, after a little encouragement, of sorting out his £25k debt that he has acquired over the years, which his parents are I are supporting him with. He has problems getting car insurance sometimes and his bank have refused him a loan recently (so he could pay off his other credit…
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Free at last!
I have never posted on DFW but I have been struggling with my own financial issues since early 2010 when I had my own lightbulb moment realising that I had over £30K of debt :eek: As of today I am completely debt free for the first time in...well...forever, it feels like! Over the past three years I have used pretty much…
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Lloyds CC Debt, would you pay it off if you had the chance?
Bit of back ground, my credit file isnt good, 2 stars out of five, as I have defaulted on credit cards over the years, kept paying them after speaking to them, and entered into payment plans which I have kept up to date. Now some of you may have read my other thread in these forums, and if you have I thank you for your…
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HBOS Credit Card Debt / IQOR - Any help please?
Have £8000 Debt with HBOS Credit Card and currently paying £50 per month to IQOR. I can afford to pay £2000 full and final payment at the moment, this was offered to IQOR but they refused and said only £6000. Should I offer the £2000 to HBOS directly instead or just continue paying IQOR £50 per month forever!? Thanks.
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How to actively increase credit rating
hi, i was wondering if anyone new how i can improve my credit score. on experian it is 'fair' at 873. i have 2 credit cards and an overdraft i want to pay off with a consolidation loan. 2 years ago i got a loan for a car easilly (now it is paid off) and also a new credit card but now i cant get anything. i dont want any…
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No longer a DFW
As of some point later today my last payment (0% interest) will be going out and I will be officially debt free bar my mortgage. :beer::beer: My other half still has a few thousand on 0% credit cards but i've got enough put away now in ISA's that I can pay them off when the interest free runs out. Well chuffed.
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Huge Utility Debt!
Ok so I have a huge utility debt, I am dealing with the debt, but that's not the issue. The gas usage is far more than my electricity, I only have a gas boiler and a cooker, nothing else! Well the boiler is not a combi, it's a normal boil the water and store in the tank sort of thing. It's really new, but I didn't realise…
