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Worried Sick. Fredrickson International letter ... please read
I have a DMP managed through StepChange and so pay my creditors through there. I had a letter arrive this morning from Fredrickson International telling me that if I don't pay within 7 days they'd take me to court and add charges. I'm feeling quite sick. All the other creditors have accepted the DMP and it's been running…
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DMP or not?
Hi all, I recently spoke to SC about a DMP. At the moment I am just about meeting the minimum payments on all of my debts but am then using both credit cards to live off towards the end of the month, so the balance on those is not reducing at all. I have 2 loans which finish the end of the next year. I am a bit unsure what…
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spreadsheets
I havent got a clue and i think i need a spreasheet to help with my budget. I used to have one yhat i got off here but it was on my old computer. could anyone help me please?L2B.x
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Checks on my credit rating
Hi, I hope I've chosen the right place to post this query. In the last week of March, I opened an account with Bon Prix (catalogue). As expected they ran a credit check on me on 31 March. I have access to Credeit Expert who alert me when a check is made. The application type of check was "Credit Card". They have…
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Almost Their !
Hi All I have been away from the forum for about 12 months, at my worst I was aprox £15k in debt and as of today I have £1250 to go, it has taken aprox 3.5 / 4 years. This will be paid off within 5weeks and I am feeling great and starting to luck forward to the rest of my life debt free (excluding mortgage). Am already…
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not paying loans advise
Hi All Just need some advice plz, CAB didnt really help me!! I currently have a small business that is going down the pan, mainly because of the loan payment coming out each month, i have aprox 40k non secured bank loan, 18k personal loan (non secured) and three credit cards, all are with the same bank as are the loans, my…
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Default after 6 years still with outstanding balance
My husband currently has 2 defaults on his credit file, both with a default start date of July 2010 and both currently being paid a small monthly amount, one through apex credit management and the other Blair Oliver and Scott. As far as I'm aware these defaults will be removed from his credit file July 2016 however there…
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Things are starting to move
Thanks to this site and all the friendly helpful people on here i embarked on being debt free two years ago. I started with £24k of unsecured debt oweing four seperate companies money with no hope in hell of paying any off them off in my life time. Thanks to the advise here on this forum i embarked on a DMP in January 2011…
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unsure what to do..
I just wanted some advice on our current financial situation. My partner and I recently moved back into my mum's house in order to save for a deposit for a house. Unfortunately at the same weekend we were moving back in, my partner lost their job. We had originally said we would extend our rental agreement until September,…
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Grocery/food/household shop, what is "normal"?
Hope its okay to post this here, I know you give out great advice on SOAs but if wrong place could it please be moved to somewhere more appropriate? I have been struggling with money and my partner and I are taking a close look at my finances and how I can improve the situation. Long story short, one of my financial…
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marlin help
I hope someone can help me please.! I lost my job about two years ago and fell behind with payments to a loan. !marlin Europe became involved and they put an attachment on my home and I pay £60 a month. !today I got my annual statement and it says opening balance £13998.30. closing balance. £14309.62!!!!!!! they are…
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Credit card settlement
Hello, I have heard of people settling outstanding credit card debts with the cc providers and I would like to explore this option to reduce my debts. I have two MBNA cards with aprx £8000 outstanding (combined). I have the cards for about 4 years and I have been paying the minimum amount (original debt £11500). Can…
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What are you looking forward to the most after becoming debt free?
It seems such a hard slog, clearing debts and sometimes it can feel as if you will always be in debt. For many like me, the getting out of debt is a daily task, its a way of life, but what next? I am determined to get myself completely debt free by the end of January next year, however part of me wonders what is the next…
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Sold Debts
Hi, I've been in a DMP now for about 3 years and am looking at trying to make full and final offers to my creditors, can anybody tell me how I can find out if any of my debts have been sold on. Thanks
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Overdraft Fees pushed into Unauthorized - worried as starting DMP
Hi all, here is my dilemma... My overdraft is at the Maximum, I am just wondering, the Overdraft fees have pushed my account into a few quid into the Unauthorized overdraft. This is the only transaction, so I am wondering if I will now have a unauthorized OD daily charge? caused by the planned OD fees. MY DMP starts soon,…
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Thursday 2nd May 2013 - 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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Secure Trust Bank
Hi guys Ive just opened up an account with these guys so I can keep on top of my money and so i dont get charges for bounced direct debits etc. As its a prepaid bank account, will this show on my credit file as an open account/service? Thanks CD
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Tried, failed, need advise!
Hi, As many others on here i`m at the point where i cannot continue due to the financial situation that i am in. Long story short i got divorced 2 years ago being left with £31k of debt accrued by the now ex-wife, the divorce agreement meant i got £11k out of the house of which £9k went back into solicitors fees etc (yes…
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Payday Nightmare
I started taking out PDL's sometime ago - all seemed to be going well but then I had a couple of bad months at work - I am now at the end of the tether and cannot afford to repay this month. According to my planner I am about £2200 the wrong way and the total debt is approx £5500. I also have 2 bank loans totalling £5000…
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please stop interest letter template
hi does anyone have template letter for stop interest letter to be sent to creditors , my dad is in a debt management plan but all his creditors are adding interest and default payments , someone replied to another post i put on and advised to send this letter . any help much appreciated thanks sharon x
