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Snowballing Help
Hi guys, just finished paying off over £1000 worth of debt on the challenges board. I have one problem I am trying to snowball my remaining debt, 1 overdraft and 3 small CCs. I know the interest rates of the CC's and have them all entered but I get charged interest on my overdraft and am not sure how to calculate how to…
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Should I Keep an Overdraft Facility?
Recently the charges on my 2x £500 overdrafts have become a lot more. I am now charged £6 pm on each if I go over £10 into my ODs. As well as that I pay about £6pm each in interest, nearly £25pm on charges for 2 ODs seems crazy. Anyway, I have now applied and been successful in getting a Virgin Credit Card with a money…
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Credit score different on 2 sites.
I recently checked my credit score on Experian currently 154 and Equifax 175. how can it be different on both sites, I don't really know how this works but my credit rating is crap! im 21 and my ex ran up in my name, its not a lot I owe but I cant afford to pay back what I owe just now, just a few quid here and there.…
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help with court papers and actions
I have received papers from Northampton Court relating to an attempt at obtaining a CCJ from a solicitors firm I used in 2010 during my divorce. I have never received an invoice from the firm and actually believed that the work they carried out for me was covered by legal aid. I have put this in my defence and returned.…
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Advice Needed on Payment Plan
Hi there I ran into problems a few years ago with Payday loans and have since made an arrangement to pay these off thanks to Stepchange. They have been fantastic in helping me through a very difficult period. In the meantime I have married my wife and she owns her own house and has a good credit file. She wants to extend…
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Help/advice wanted! complete newbie
Hi, I am just looks for a point in the right direction really, I will try and keep things as quick as poss. Basically, when I was 18 (I'm now 25) I went straight in full time work. I worked for a banking group and given financial benefits including interest free/low interest overdraft. I was made redundant in 2009 ( had a…
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Killing off the little debts...
Hello, We've got a few creditors who've dipped below the £100 mark and we're debating trying to get rid of them early by being a bit more(!) frugal and saving up to knock them off our plan. Our DMP is with Payplan and they've advised us that, yes, we can do this, but we have to let them know where we got the funds from to…
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Finance Advice required
Hi, I've managed to accumulate a few debts. Most recently fell in to the dreaded short loan fiasco. Started with £100, and the following month increased and then on... until borrowing from Wonga increased to £750. So in total I owe Wonga £990 (give or take). And long story short, ended up with DFH (Debt Financial…
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big debts
HELP!!! :eek:in serious debt.....need advice as my spending out-weighs my income 2 x loans @ 200 each per mth 3 x Credit Cards @ 115 each per mth How can I reduce all my outgoings to afford the 745 per mth on these??
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How to use my PPI
I recently came to the long overdue conclusion that I have to sort out my debts. I am in the process of setting up a DMP with Step Change. While going through all my paperwork I discovered PPI on a loan that'd I'd not previously been aware of. I used the form on this site to make claim, and I've just received notice that…
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my story... help
Hi All Decided to take the plunge and register after months/years ofdeliberation. Brief breakdown of me - Lost both parents whilst being a student and didn’ttake responsibility of my debts and just ignored them all. Now here i am tryingto make amends and get myself straight before its too late (27 now). Debts taken from…
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Triton Credit Services Harassment
My partner and I have been dealing with Triton for over 12 months with an agreement to pay a fixed monthly sum each month. Every six months they telephone and say that a payment review is required. On the last payment review we wrote to them offering a payment to £7 a month, made this offer to them in writing and they…
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Monday 16th 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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Positivity Overload - Tips for staying motivated!!
Hello fellow DFWs :wave: Thought I would post this as a collective place for all your tips and tricks on staying positive. I am a firm believer in positive thinking and when it comes to tackling debt it's imperative to keep that mindset for the most part. But we all have bad days - heck, even I have days (usually between…
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Losing the weight while losing the debt?
Hi all, So I've decided that I'm going to lose some weight, but I also need to lose my debt. previously when i've gone on a diet, my spending increases as i spend more on the healthier foods and stop buying the cheaper, unhealthy foods. Any advice for losing weight on a budget? Thanks.
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Is is worth requesting CCA
I have read about CCA and wondering if its worth requesting from my catalogue accounts both are pre April 2007 so if they start been funny about dmp I have said something?
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Getting to the end of my tether!
We have a debt problem and without boring everyone we have gone through Stepchange who quite frankly have been bl**dy brilliant in helping us come to a sensible solution to our creditors. However what is p*ssing me off big time and getting me very down is the amount of calls we are getting from "collections" departments…
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How do I make them STOP!
I have a small debt with my prev energy company that I'm on a payment plan for, and been on since autumn last year. All payments are up to date. In June I started getting letter from a DCA demanding payment of this debt. Huh? I wrote to them and told them there was a payment plan in place and I phoned the energy company…
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hello everyone - my debt problems
Hi everyone, My name is Danny, I'm relatively new to this forum, I just wanted some advice really on my debt situation. I currently have £25,800 in unsecured personal debt, in the form of: Card 1- 5700 Card 2- 3200 Card 3- 1700 Double Glazing Loan - 7100 Car Loan - 6500 Bank Overdraft - 1600 I also have a mortgage with…
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House repair dilemma
Hi, need some advice on a house repair dilemma. I've got some wooden windows that are in serious need of repair, wood rotting etc, however I'm desperately trying to become debt free and i'm making really good headway in achieving this. I can't decide wether or not to get the windows repaired or just wait till I'm debt free…
