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Anyone read the announcement at the top???
This forum is not for judgement!!! People who have never met me have basically called me... Well whatever! My debt was accumulated before i was made redundant and yes i prob haven't made the changes i need such as sky partly because of my child who cannot deal with change and partly because its a luxury to me when i have…
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My diary
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 4 Number of children in household......... 0 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 910 Partners monthly income after tax....... 0…
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Paying off DMP early
Hello I am at last in a position through family support of paying my DMP off early and would like to contact my 5 creditors direct for settlement figures. I have a couple of questions and wondered if anyone could help? 1. Can I do this independently from Step Change? 2. Is it best to write first to the individual companies…
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Advice - Bailiff
Hi everyone I am really desperate for some advice, I received a parking ticket back in December 2012. I received a letter and genuinely forgot to pay the fine, I then sold my car in May and moved house soon after so completely forgot all about the parking fine. I had a phone call from the new home owners to say a number of…
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Blackhorse Car Repossession
Hi I'm due in court tomorrow as black horse wish to repossess my (their) car. I made an offer via the court paperwork of £200 per month, which black horse replied saying that they wouldn't be asking for a suspended order as I have already shown I have broken the terms and conditions and would be likely to do so again. In…
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Why would Bow County Court phone me?
Hi, Hope it's ok to post in this forum - I wasn't really sure where to put this.. I had a missed call today from a 0208 number, I tried ringing back a few times at lunch and it just rang and rang with no answer. I tried phoning again after work and it went straight to a message saying "Bow County Court is now closed" ect.…
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Strange situation
Before I ask my questions I will give you a bit of background. 2010 - found that we were £110k (gulp!!) in unsecured debt and finally managed to persuade my ex to go into a DMP. He wasn't happy with the situation and to cut a long story short the financial situation was the last straw to our relationship. I left the…
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Smith & Lawson/ SLC - Grant Repayment
Hey all, Whilst studying at Uni several years ago, I was told by the Student Loans Company that due to my mother marrying in 2008 I would have to have my grants reassessed. Due to this, I then owed them £2,200. After graduating I was sent letters by the SLC requesting repayment of the overpaid grant, to which I sent up a…
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Where to start?
Hi everybody I seem to have got myself into a bit of a mess and wondered if we could collectively put our heads together to work out a way to sort out my money problems? I have a bank account that is going further into overdraft every month (currently standing at around £2k o/d), no loans other than my mortgage and home…
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Reality finally dawns!!
I've never been good with money.. or choosing men that are good with money either!! After being a single mum for 18 months it has finally dawned on me that I am in a bit of a pickle... In 2006 I declared myself bankrupt after a previous partner ran up bills and credit cards in my name and after 3 years of trying to prove…
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Suddenly in debt - not sure what to do
Hello everyone, this is the first time I've posted. When I was 18 I ran up a lot of debt, credit card, store cards etc. (about 5000 in total) I spent about 1 year paying money to a "debt management" agency and in the end realised they were only paying £10 off my debts and keeping the other £50 for themselves! Anyway, I…
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Urgent Advice needed today
Just a note to say I am also going to ask on the IVA board I started an IVA 9 months ago and today I have received a letter from my IVA company stating that they have reviewed my iva and I did not send back my RX1 form this form apparently enables them to register a restriction on my property which when I entered the IVA I…
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Debt Free Mentality
Thanks for having me on the forum guys. I've been searching the web looking for like minded groups. My wife and I are firmly working together to eliminate all of our debt, and keep it from returning. I had some web hosting I had already pre paid for so I set up a finance blog with it. I'm trying to update it with progress…
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A sad situation
In the early part of 2013 my relationship with my partner of 8 years ended. We have a house together which we are going to rent out this month as neither of use are living their anymore. I owe £1,700 on my overdraft and another £1,500 on a credit card 0%. We also have a loan for the house and a mortgage but I'll not…
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Monday 30th September - What Small DFW Things Will You Be Doing Today
When we start out on the Debt-Free Wannabe 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…
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National Insurance debt
A few months ago I received a class 2 national insurance bill which covered a period of private tuition I gave from November 2012 to June 2013. The letter states that the total amount (approx £70) is due no later than January 2014, so I put it in a draw and forgot about it for a while. However, recently I discovered that…
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The All-time Outstanding October NSD Challenge
Welcome to the Serptember 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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Owed alot of money by a 'friend'
I am currently in a situation where someone I once considered a friend owes me the considerable sum of £1200. The debt started a few years ago when he ended up out of work and I lent him money to keep him afloat and he owed me the sum of £300 from that. This then increased to £1050 when we went on holiday to the USA and I…
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Council tax arrear / bailiff arrears.
Hi, I have received a letter few days ago informing that I was in arrears in my council tax and that the bailiff were demanding amendment full if not a visit will be taken to make a key. the letters mentioned that they have obtained a liability court order on the 18/06/2013 .. which is two weeks after I have paid my…
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Please can you help..Capquest claim account is not statute barred..what next?
Hi guys hoping you can help me cap quest are claiming that the account I owe £2000 is not statute barred. I recently checked my credit file with equifax and the last delinquent default date was 14 September 2007. Quite simply cap quest have said " we can confirm our records show a payment was made to this account on 12 may…
