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Advice needed - brother moved abroad and received a phone call from a tracing agency
Had a phone call yesterday from a company looking for my brother. Apparently a bank has had some returned mail from one of his previous addresses and they are now going through a list of associated phone numbers to try and find him. The company is hillside services, they phoned on a geographical number not premium rate and…
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New DFW; mini SOA & 'Hello'!
Hi everyone, Been lurking on this board for a few weeks so just wanted to say 'Hello' in the hope it'll make me feel like less of creepy lurker just reading everyone else's posts. I've decided recently to try and get completely debt free. Myself & OH both working full time and currently have debts made up of: £1500 OD…
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Should we Sell Up to Start a Fresh?
Hi everyone, my wife and I are coming up 50 next year... We have had a few challenges in life as well as still having 3 of our 4 children still living with us (aged 7, 15, 24). We have managed to build up debts in excess of £24,000 and live in a mortgaged flat which we hate as it's in a bit of a dodgy area. Our kids don't…
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Finding it hard to debt consolidate
I have a full time job a credit score of 512 i have £20k of debt spread over one loan and a varuois credit cards. I have a mortgage of £102000 the property this is for is valued at £120000 i want to take the £20k and take 1 loan for £20k spread over 20 years inline with my mortgage payment. Why is it so hard to do this???…
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Tue 17th Sept - 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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money village or not?
Hi ok I will try to make this as short as possible (not easy) I lost my job and landed myself with £25000 pounds of debt. I could only find part time work so I contacted spectrum for an iva. this was set up with a £900 (over 3 months) admin charge and I was told I would be debt free in 5 Years.... 6 years later they have…
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stewby's bid for freedom.
hi there. i have posted in the mortgage thread but have decided to post in here to see if anyone has any specific experiences that will help me. my partner recently completed a training course which required a £90,000 bond. if he gets hired by a partner of the training company then they take over the bond and his wages…
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Refinancing £27000 loan??
Hi, looking for some advice. I have a 27000 (remaining) loan from a previous property (had a125% mortgage, part mort, part loan, i sold up and moved but needed the equity so have kept the loan). I have 25 years left, currently paying £270 a month on 9.5% interest which is variable. I need to get the loan on a fixed rate…
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Bank account
I need to sort out bank accounts ready for DMP I have a Halifax easycash account but I have Aqua Credit Card do I need to move banks still?
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Request a statement of account
Hello, I sent mail to Metropolitan CollectionsServices for statement of account on 29th June with £1 cheque. They cashed a cheque, but I did not receive any reply from them. So, I sent another mail on 15th July 2013. But, I have not received any reply from them. Please advise if I have to send anotehr chase to them. I have…
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PayDay Loan with Wonga/Mackenzie Hall... advice please?
Hi guys, I'm new to this and currently trying to help my mother with several of her debts, and at the moment we're taking it one step at a time. I'm going to organise a visit to one of the Charitable DMCs in future. But currently she has a DMP dealing with a few already, which I want to tackle later. Right now however,…
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bankruptcy... where to start
I have been looking at this forum over the past few weeks and have read many posts, I am lost with lots of the terminology and abbreviations used. I spoke to the CAB about my financial situation about 4 years ago and found the whole experience terrifying and confusing. I spoke to national debt line after that who were…
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A little constructive advice please.
Hi All, So general outline is. That i have a c.2k overdraft and around a £1200 CC bill (an old amount and a bad MOT :( ) Now in the last 12months my partner and I have cleared our Halifax JA OD of 1k which was costing us £1 a day. She has cleared her OD and CC with the help of a timely tax rebate. I now have her set up…
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News of a CCJ on debt I didn't know I had
Good afternoon, I am very new to CCJ's. I have no idea quite what they are and what they mean. I had a letter from Anglian Water saying we owed money, and they were sending a notice of default. Whilst on the phone, explaining that they'd never sent anything to me they mentioned there was another account with our name on it…
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Credit Reference Agencies
Not sure where to start....... I have for many months used Experian credit score site and happily last month my bankruptcy has now dropped off, then being nosy i read about noodle on here.I registered and my report was not so good in fact, it was showing a poor score due to an account default with a company called CL…
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Who to pay first?
Hi! I'm new to this so please bare with me if I don't have all the details needed for the advice I require! I have got myself into a mess with money in the last few years. I currently have a credit card debt of £4300 (Barclaycard) which has been passed onto a debt collection agency. I have personal loan debt with…
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CCJ scare gone so now to improve on my other debts
Hi guys, Having recently had a CCJ scare and thanks to the advise of this forum I think I have settled it's time to face up to my other debts. I currently pay; 20 a week for Tax credit overpayment resulting from my divorce (Until July 2014) £340 a month car loan 20 a month for overpayment on student grant £20 a month rent…
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How bad was it for you?
I am currently trying to sort my debts and find out exactly what I owe before contacting Payplan or Stepchange to start a DMP, however I am terrified at the thought of admitting what I owe, I have no secured debt but owe 30K accross 7 credit cards, I do not have a mortgage, I rent. Would anyone be willing to share with me…
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Should I pay this month
My catalogues are due next week and I have the money to pay the minimium payment as ex is helping till the end of the month when my wages kick in so do I still make the full payment, paperwork has just arrived for DMP so I thinking if I make the payment that gives me 4 weeks breathing space before they starting phoning me?
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Loan to clear credit cards approved!
Hey everyone! Just thought I would share my story. I have had a bit of credit card debt for a while now, total of about 8k spread over two cards. Barclaycard Simplicity (7.9% APR) - £2,500 Balance - £7,00 Limit Amazon MBNA (Currently on 0% for part balance until Jan, 17.9% for some of the others) - £5,383 balance, £5,600…
