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Writing to PayDay Lenders whilst setting up DMP?
Hi Newbie here so please be gentle! After months of struggling, burying my head in the sand and getting caught up in the Pay Day Loan vicious circle, I finally contacted Step Change and am setting up a DMP. Have gone through budget with them and given them all creditor details and they say everything will be set up to…
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SOA Calculator - feedback
Hi All I haven't posted here for ages. I wrote the SOA calculator that is widely used here and on at least one other debt management discussion board elsewhere. The calculator is here http://www.stoozing.com/msoc/soacalc.php but you can also get to it from http://www.makesenseofcards.com/msoc/soacalc.php Every now and then…
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Tsb loan
Hi, I defaulted on a loan with these; I have agreed a settlement fig of £1200 saving £400 from £1600. I made the first payment in October and will make the payment for November on the 28th - 6 in total last being march 2013. My question is if I raised a complaint on the default; if they get petty are they allowed to pass…
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Been a Lemon :(
I've managed to run up £2700 of catalouge bills and am now feeling like a lemon. All was fine was managing to pay the £400 a month bill. Till Hubby lost his job. Now I can only afford just over the minimum payments each month. My only other debts is 1. A doorstep loan which is up to date. 2. HP on white goods, which is…
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DCA-what do I do now we have no income?
Hi everyone, hope someone can help me with this. We have been paying a DCA £150-£180 pm for about three years now for a credit card debt originally with Yorkshire Bank (in my name only). My husband has recently lost his job (I don't work or have any income) and we have just applied for JSA,HB,CTB. I spoke to the DCA and…
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Finally woken up - addressing my debt
So, I've finally decided to take control and get rid of my debt - I've hidden my head in the sand for so long and it hasn't reduced since I first looked at it a number of years ago. I've got a secure job, I can pay all my bills so I don't know why I'm failing to address the issue. Admittedly I've recently had a large…
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Bit of advice needed on Credit Reports...
Hello :) I hope I'm not being ridiculously blind here, but after going through every bit of the Credit Score page I still can't see what I need to find out. Basically, my credit rating was all in all great until I couldn't get out of my overdraft one month & got stuck there for 8 months or so. In this time (April) I got…
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snowballing!!!
just a quick question, as i am having an exciting night in reassessing my debts/ spending etc (life doesnt get anymore exciting!!) , but i am struggling to find the link to the snowball calculator thingy!..can someone point me in the right direction, thank you x
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Arrow Global cant find any documents default
Hi I dont know if this is the right section about defaults and to get my debt written off. anyways if anyone could help, il give you a very brief background.. I had a debt with Very which got bought by Arrow global who passed it to moorecroft. I have been paying £80 a month for the past year and a half but back in July…
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Well..here I go again!
Hi All, Some of you may remember me from many moons ago. Had a really rough 12 months..and now that things are "settling down" I want to try and get my head straight for 2013. In a nutshell: left my husband in April 2011, had a meltdown, got diagnosed with Rheumatoid Arthritis and Fibromyalgia in November 2011 (still…
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Could someone direct me to the thread about selling on ebay please?
Hi Sorry to be a pain - just wondering if someone knows the link to that mega long ebay selling thread please? Thanks
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Cheeky Aktiv Kapital!
It has came as no surprise from reading this forum what has happened to me. My original debt with MBNA was sold onto Aktiv Kapital in April just after MBNA defaulted the account. MBNA showed as satisfied on Noddle and no reference to Aktiv till this month, and guess what? They have re entered the default date as October…
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Short settlement
My son has been paying off two debts for a long time and as a third party i offered to settle them on a full and final settlement basis marking his credit file satisfied balance nil. One debt was originally a Halifax Master card being collected by Cabots, fifty percent offer accepted nice letter confirming F and F credit…
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NRAM will accept offer on early loan settlement
Hi, I have a question about an existing loan, on which I have a balance of circa £16,000, I have 2 months arrears on it, which will be cleared by the end of the year and have had a history of a fair few late payments in the 6 years Ive had the loan. Good news is that I am due to receive a bonus at end of April which means…
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NSD gone to pot!
So here i think why dont i do a NSD and take kids and dog for a walk in the countryside. So off we go all going well when nearly at the end the dog hobbles back having managed to get a chunk out of her leg. Have had to take her to the out of hours vet and she's having to get an op poor thing. One thankful thing is we have…
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Full and Final Settlement while on DMP with CCCS
Hi, I have had a DMP with the CCCS (now StepChange) for 3 years. I originally was paying £555 on a 28k debt, I'm now (and have been for about a year) paying £406 on the remaining 14k. My sister is offering to repay the debt for me (so that I will no longer be paying interest, to help clean up my credit file and hopefully…
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Advice needed please
Does anyone know if I approach my credit card companies to pay off debt, can I ask for the amount to be paid back be reduced to ckear debt?
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do i reply to this letter? dmp advice please
I've entered into a DMP with step change and my first payment to them is December 1st. My largest debt is a barclays loan. Just received a letter saying they've defaulted me ( obviously I expected this) and will be charged £ 5. 58 daily for being in arrears. I've already wrote to them informing them of the dmp . Should I…
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Can come of dmp and how do you do it
Hi i think we could come of our dmp now and manage the debt ourselfs . we have had a incresse of money ( We now get more than what we did before we went onto the dmp )i just wondered how to do it and do you go back to your old payments . I wouldnt be able to pay them off in one go but could manage the old payments and mybe…
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Sat & Sun 24th & 25th November - What small DFW things will you do today??!
Sat & Sun 24th & 25th 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…
