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Credit File Help
Hi all, Im in the process of trying to clean up my partners credit file after she got herself in debt many moons ago. One of her credit files with Lloyds shows that she missed three consecutive payments on a loan which is correct. She contacted Lloyds after realising that a direct debit wasn't set up after cancelling an…
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Campaign against high interest rates
I'm not normally a hoverer of the DFW board, but I thought you might all be interested in signing a petition against high interest rates which some companies are charging. Hope this link works:…
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Tuesday 27th November - 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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We Are Decking the Halls with NSDs December Challenge
Welcome to the December No Spend Day (NSD) thread!! We are a happy (and some might say mildly insane) bunch doing battle with those retailers - and there’s plenty of temptation out there at the moment. We are seriously committed to saving money, but nobody said it can't be done with a smile on your face - so we organise…
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Old debt recently chased
Hi all, again a question about statute barred debts. I have been recently contacted by a DCA agency for multiple references of accounts and credit cards all dating back to 10 years ago. I have never made contact to them nor made any payments. Can this debt be considered statute barred?
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Finally posting my SOA - any help and advice appreciated!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1770 Partners monthly income after tax....... 0…
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Default- can I get rid of it?
So, I am 19 years old and have a default on my credit report BUT this wasn't my fault. Few years back a family member of mine used my details and obtained a catalogue- a JD Williams catalogue. Now it seems that there is a default on my account. I am having great difficulty obtaining any credit at all. I have a credit card-…
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debt getting too much trust deed help
Hi everyone, newbie here my name is Jamie & from Scotland, i earn around 1150 per month after tax. over the past few years i have been very irresponsible with spending and have nothing to show for it, clothes , gadgets , partying , cars and gambling. I have hit all this in the head and trying to get debt free but i feel…
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Newbie looking to regain control
Just come across this site after reading the money saving book.I'm as of this week started on a DMP with step change ( again after reading the debt section of money saving) I got into debt through pay day loans, credit cards, overdrafts etc. It snowballed. I didn't know what to do. Found myself in 10k worth of debt in 6…
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Have I been Mis-advised by my bank?
There is a repossession order on my property as I am in arrears, the property has recently been lett. For the last 2 months I have been talking to 6 different representatives from my Bank to arrange re payments however on the 7th occasion I have been told that no arrangement can be put in place as I have the wrong type of…
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Payplan Cover My Life/payments
Hello I've been with Payplan for a few years now and I am wondering if their Cover My policies aren't PPI's in disguise. Has anyone got any ideas on this, please?
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Saving for appliances and household items
After reading this article I thought I'd harness the power of Debt-Free wannabe board/MSE to help work out essential and non essential appliances and how much should be put aside to replace to items when they come to the end of their life, so when the time comes you can go out and get a replacement without too much…
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Strange response from Nationwide re. cancelling CPA for PayDay Lenders
I sent them an email and called last Thursday requesting that the CPA be cancelled, using a template letter.. First I get this response: Thank you for your message. Can you confirm the last date these companies debited your account? Once I have this I will be able to update our system to cancel future payments for you.…
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Barclays bank unfair charges?
Hi, Not sure where to post this have a question I hope I can get some help here. I'm having some financial difficulties and I have been over my overdraft threshold, I can go to £500 od and then by being charged into a further £500 od but charged weekly for the privilege. I've had a couple of direct debits 'bounce' so i…
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DMP and separation
Me and my husband have had a DMP for 5 years now - have approx 5 years left before we were debt free. We have decided to separate - fairly mutually. My question is what now happens to our DMP? (its with the CCCS) The debt was originally made up of a mixture of joint debt, and both things in my name and things in his name.…
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Moving Back to UK after lots of debt...
Hello everyone! I just wanted to get a bit of advice/info from you regarding my credit score Let me give you a bit of info on my situation and why I am a tad concerned My partner and I lived together for a year and during this year we accumulated a lot of debt. This was with credit cards, loans and overdrafts and we both…
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Help with debt query
Well I have finally grown up and stopped sticking my head in the sand. With a baby on the way my biggest fear was being at home and having debt collectors knocking on the door. From all the letters I have accumulated I have worked out I have 21.5k of debt. I have written to all my creditors and set up my own DMP for the…
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Do I keep applying for loans?
Apologies in advance if this should be in the loans forum. I have through stupidity over the years got myself in to £40k worth of credit card debt, and a £2.5k overdraft. I earn £66k and with an annual bonus this take it up to £69k. I am married with children. I am not a homeowner. I should make it clear I am not…
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Leaving the Country with debt
Due to a family emergency I have to live the country for an unknown period (probably a couple of years or more). However I have debts here in the UK which are being dealt by CCCS, a phone contract and a car lease contract. I am spending all of the money that I have on my ticket home so cannot afford to repay any of the…
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Help Accessing credit report
So I have tried Noddle they can't verify my details tried equifax set up a username and password can't verify me- exepian say I have an account and to input my pin but I don't have a pin (I must have signed up ages ago), not sure what to do now? I put my card details into equifax so just want the 30 days free but how will…
