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DMP set up but I can now clear all my debts - quick question!
Hi guys I recently set up a dmp with StepChange (such helpful people). Everything is ready to start on 1 June 2013. At the weekend I finally spoke to my parents about my debts after keeping them to myself for many years. I also told them about the plan that I had set up with StepChange. To my surprise, my parents have…
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Debt Visit
Hello, I am worried, we had a doorstep knock from a Regional Loss Prevention Manager from shop direct today, I immediately denied I was the person they were looking for as I panicked. The guy said unless I told them where this person was or passed him my landlord details by the end of the day he would have to call the…
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Got declined for a 0% credit card - Damn it :(
In my daily quest to reduce my this debt, I decided to apply for a new 0% credit card to do a balance transfer on to as I currently pay about £20 a month interest on my current credit card. It got rejected. I'm not overly worried since I haven't got any need for a good credit rating at the moment but it was disappointing…
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SRJ Debt Recoveries
My mother is concerned as she has received two letters from SRJ Debt Recoveries demanding £163.67 for a debt with Talk Talk. I closed down her Talk Talk account (she moved home) so I know she doesn't have a debt with them - I presume they didn't close the account when asked and bills have accrued. What is the best form of…
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Paid last full and final
Sent cheque for last full and final today:T I AM DEBT FREE:j and I am going to stay that way. Many thanks to all on the forum, for their patience, kindness and advice, I have learned loads, and hope to continue to help others from my experiences. Moo xx
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Had my light bulb monent but how to move forward
Hi, Well I separated from my husband about 14 months ago and we were significantly in debt, I have cleared one loan, have one joint loan to finish in December and my main concern is a credit card with 11k on..yes I know, a huge amount on a credit card! My ex partner used to use the card for building materials for jobs and…
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Getting there slowly..
Hi all! Been (sort-of) active on the site for a few months or so but still hadn't plucked up the courage to do my SOA. Really want 2013 to be the year that I fully sort out my finances. I was in quite a bit of debt with CC's two years ago and have made some great progress by stalking these message boards. We bought our…
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How to deal with set backs?
So since I decided to be come more open and honest about my financial state- which to sum up, is being "managed" but leaves me feeling controlled by my debt, it's been on my mind A LOT, in fact every time I pay for something I question if I can get it cheaper etc, and I know this is a positive step. However, the downside…
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Drowning not Waving
Hi Please excuse me for this but I am really new to this site and to this kind of problem, so there may be good answers on other threads but after reading so many I am struggling to get my head round which ones help with my current predicament. I am slowly getting into more and more debt and I really want to start getting…
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Car Finance advice
Hope this is in the right thread!! I've just got myself clear of debt, my only outstanding thing is my car finance on my 2009 ford ka. I have £1000 left to pay. Unfortunately my car is starting to go majorly wrong with 30,000 miles on the clock. A mechanic said the gear box is wearing, the clutch could be on its way out…
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GPB Solicitors - Rudest people you'll ever speak too!!
I have paid £50 by direct debit to this DCA for the past year so have had no dealings with them over the phone until the past 2 months.. Last month I called to pay an extra £60 to my account.. And this month to date I have paid an extra £120!! There is £65 left to pay which I have told them I would be paying before the end…
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Debt Collector Template Letter
Hi all I want to write to a debt collector saying I can only offer to pay "x" per month because of "x" situation. Is there such a template? Thanks.
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Monday 20 May - 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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Defaults upon defaults
I was a young stupid person a few years ago got credit cards, loans overdrafts with very little income at first it was ok because I was able to afford to pay it but then I lost my job and was unable to pay then came the charges upon charges and letters/phone calls which all turn to defaults. These accounts were all sold to…
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Credit Report help
After watching Friday's program I thought it was time to check my credit report as I haven't done it for over a year. My brief history is that 5-6 years ago my husband and I made lots of bad decisions resulting in lots of defaults and lots of accounts being passed onto debt collections companies. Since then we've done…
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Quering Credit Rating...
Hi, I contacted Halifax early march to change the date of my loan repayment from the 20th to 28th, they informed me that it was too late to change the payment for March and that it would change on the 28th April. 20th March came and went and they didnt take any payment, I assumed they person I spoke to was wrong and that…
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Help over invoice
Hi people I'm new to the forum and am not sure if this is in the correct place so mods please feel free to move it I have a situation with a invoice I received and it is starting to worry me now so I'm hoping somebody can help me out Background: I am a footballer and had brief discussions with a club in Scotland (spl) over…
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to snowball or not to snowball
i will be getting a payment of £567 by cheque. there are 2 of my creditors that will not accept the repayment offer from CAP.:mad: do i pay them off and pay the rest into my CAP account or pay the lot into my CAP account to be divvied equally amongst my creditors. The two are for £74.77 and £224.00, they are both still…
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Total newbie help
Hi all lm trying to sort my life out been on Experian found out l have afew debts how do l go about clearing them ? Experian not that easy to work out, do l just contact the debt to the address its for ? sorry for the newbie question thanks
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Panic - Family Wedding abroad!!
Hello, after being a serial lurker on this page for over a year, and taking on board many tips and advise, i now have reached the time when i need it myself! Perhaps not tips but reassurance, dont know how anything is going to get us out of this one!! My beautiful sister, who i love to bits has just got engaged, and i…
