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This should be easy! (I think!)
Not the whole getting debt free thing, just the first step I've got in mind. You see, I've just been working out my direct debits which are left to go out this month and if I can spend no more than £5 a day until my next payday then I won't have added to my debt this month so the money that I'll have paid off them will…
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Do Barclaycard EVER sell on to a DCA?
Hi, Does anyone have any experience with BC? I have a £3000 credit card balance. BC had initially been very helpful, freezing interest completely. However, about 6 months later, they suddenly whacked interest up to 27%. When I queried this, they basically said the initial freeze had been an error. Letters have gone back…
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Desperate to sort out Debt.
So, Me and my Oh have just had our second child and we are in so much debt im so worried. Basically we are paying out £533 on Debt each month and with my partners work dropping his hours to partime a few weeks ago we have no money. I googled Dmp but it says Creditors still come after you for court and that just worried me…
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I know the drill.. - SOA included
Here's my SOA, please do your worst. I'll add comments to some items to give a little more detail. :) Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details…
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Payplan.. IVA?
I have found myself in a bit of a pickle.... I have £6500 credit card debt and a £2000 overdraft. I have a mortgage which i can pay but i'm struggling with these debts. I spoke to payplan and they asked me to send in all my debt info to set up an IVA! After reading the info on here about IVA's im now unsure of what to do…
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Arrangement To Pay?
My bank are still refusing to allow me an account that allows me to withdraw cash from any other bank other than their own and I can't get a phone contract in my name. I have been advised that this is because of recent adverse credit. I have been on a debt management plan since 2007, missed no payments and all my creditors…
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Advice needed please !
Hi please really need help am trying to do a credit file clean up but the more i look into it the more confused i get, i got a copy of my credit file. It has the date of my banckruptcy and my discharge date which is fine. Then it has my information some have a settlement date and a balance of £0 which i think is ok. Though…
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Worried and confused...
Hello, I'm new here, and some of you might think me a berk, but I am worried about a little 'mess' I've got myself into. Almost 4 years ago I had a catalogue...(I can hear the groans from here), out of which I had a small order, part of which was for a customer...I made payments until my friend left the area (and I don't…
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MKDP LLP Issues??
Basically, i was naughty many years ago, had various debts i stopped paying..some years later when i needed credit, couldnt get it obv! Recently, ive got a free credit report and thought id try to get things in order finally after many years..luckily many debts have fallen off after 6 years.. 1 hasnt!!! an old welcome…
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Red debt/lowell, 6+ debt, statute barred
Hello, I recently received a letter dated 10/09/2012 in reference to a capital one card i had at college almost 6 to 8 years ago and an outstanding debt of £550. Shocked at this letter i ordered a equifax credit report to see if there was any reference to this. I was unable to find any reference. I then looked for a credit…
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Trying to Recover from Debt
Apologies but ive just joined the site and am after some advice with regards to improvig my credit rating and prioratising debt. In 2008 I was made redundant from where id worked most of my life (I was only 26 at the time!!) I had one loan for 9k at the time. I went uneployed for 6 months and having a mortgage I used my…
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Discount for early repayment
Only just found this forum, so nice to be able to chat with people in a similar position to me who won't judge. To cut a long story short I've just made a payment arrangement for my halifax bank account. The company who has taken it on said that if I could repay it in full at any time they could offer me a discount.…
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Statute barred
Hi all im new to the site so forgive me if I have posted this in the wrong section. What the problem was that I checked my credit history a week ago knowing I had bad history i wanted to see how bad and how I can go about sorting it. It turns out was not as bad as first expected with the only thing showing was failed…
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...my thread of hopefullness...
I'm writing this for anyone who feels things can't get any better.. When I joined this site a few years ago I was massively in debt (almost 100k) I had just found out I couldn't have children which resulted in my having a breakdown then my relationship went belly up and I lost the job I loved... I was in arrears with…
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Advice needed regarding overdraft charges
Hi, for the past couple of years I've been living in my overdraft of £2500. I'm with Halifax and their current charges are £1 a day on overdrafts under £2500 and £2 a day over that amount. Whilst this isnt ideal, it is just about managable. However, from the 2nd November, they are reducing the £1 a day limit to under…
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Avoiding DFH Financial Solutions.
Hi there. Last night I got hoodwinked into doing debt management with this company, I'd not bothered to looking into this solution before so I didn't know what to expect but, after she said she'd send me the documents and to do this that and the other about my cards and what have you, I got on the phone to a friend of mine…
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Lbm!!
Hi all, Yesterday was a NSD for me as had to wait in for a parcel to be collect, however whilst pottering I decided to do our SOA and oh my gosh it's actually beyond scary I nearly dropped down dead :( After our actually essential bills I can now see where our 'spare cash' had been going!! In two months We have withdrawn…
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PDL's and a DMP
Hi I am about to print of the forms to enter a DMP using CCCS. I was managing absolutely fine with debts until i stupidly took out a payday loan and fell into a cycle of needing another etc... I now have 3 which is what has made me take this option. Does anyone know if the companies, Wonga, Payday UK and Payday express…
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Friday 21st September - What small DFW things will you be doing 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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right to offset - is it a problem???
I've set up a DMP and its due to start on 1 October. When I was reading through the information sent to me by CCCS I came across a bit about a banks right to offset. Although I thought that I was ok with none of my debts being with my bank I thought I'd double check. After spending some time on the internet I've found that…
