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Away to be £20k in debt
Reading back I actually confused myself! Too much drink last night!
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duplicate CCJ and default
Hi All I defaulted on an credit card back in 2003 for 10K. I foolishly used it to live on when I lost a well paid job. At the time I ended up with 3 CCJ's due to burying my head in the sand big time. A DCA has recently been in touch trying to collect on it. I think one of my CCJ's was for this debt (now removed from CR),…
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The 'Swing' towards freedom
Hi all I was reading a couple of threads the other day around how sometimes - whilst in the process of paying back debt - it can be difficult to see progress - even if you 'know' you are doing the right thing. Personally, I have seven payments remaining out of forty three - but I am really struggling at the moment despite…
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Advice on defaults
Hello there people, Nice to finally join the forum. Straight to it. While in Uni, took out an overdraft from Natwest(came together with my student account: £1250). Finished in 2009 and and travelled out of the country for 2 years. Figured when I work abroad, will be able to pay back the overdraft. How delusional I was.…
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Clarification about companies writing off a debt
Hi, I am hoping someone will be able to help me with my current situation. Firstly a little background, As a young man I made the mistake of taking out a Welcome Finance Loan. I was making payments on time until I went to uni and the debt was put to the back of my mind. I made contact with the local Welcome office after…
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I'll get there....eventually!
Just a little DFW plan of action made today....I increased my OD weekly standing order by a whole £1 a week! (Now now....calm down! lol) I know it won't make a massive difference but I'm trying to break myself gently in to paying out more and still living within my means....it might take a while but we'll get there!…
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getting past the point of getting anywhere.
Hello My partner has split from his wife and when he left he was handed 16k worth of debt. this debt was originally paid via her bank account as she was in control of all the money including his wages. (he wasnt even aware of these debts but thats another story!) the detbs he has are: Barclaycard cc - 1500 hsbc cc- 3500…
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Saturday 7th & Sunday 8th What small DFW things are you 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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Debt from Housing association
I have just received a demand fro over £900 from the housing association I was with 4 yrs ago and don't have a clue why they are demanding money after all this time. Long story short we had a rather serious incident back In 2009 at this address and requested the HA move us out, which they said they could not do, even…
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Surname on £14 debt wrong
Hi, my partner had a mobile phone contract. They had his name spelt with an E at the beginning of his surname instead of a B. He had told then numerous times to change it but they never did. He then got a new contract and left the old one to run until it's end. He phoned them 2 weeks before the end and asked for it to be…
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Hassle with Rockwell Debt Collectors
I had a phone call at the weekend from Rockwell who did not have my current address of 2 years or my married name informing me I needed to set up a repayment plan for VERY catalogue as the debt had been passed to them. I did hold an account with VERY in 2008 which I am absolutely convinced was paid off and shut down.I…
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Anyone refused Barclays basic account?
Hi Ive been active on the DMP support thread. I've recently started a dmp with stepchange and they have advised me to get a new bank account as my current bank will be one of my creditors. Ive called the co op twice to send me an application pack both havent arrived and time is running away with me for the deadline to…
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Seem to have hit a wall :-/
Hi Everyone, I'm after a kick up the bum really, hubs and I have been debt busting for 4 years now and when we first started we owed approx 25 grand to a number of creditors. We now owe less than half of that and it just feels as though we have come to standstill, nothing seems to be going down anymore and it just seems…
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I can't live off SSP
I have been off work for 2 and a half months now and my last sick pay came in at £305. My rent is a little over this a month, so as you can see I'm in a little bit of a pickle. Is there any financial aid I can get on top of SSP? I'm off work due to stress and anxiety and this has all of a sudden been dumped on me and is…
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Newbie Considering IVA
Hi Guys , New to the forum and going through all sorts of embarassment and regret that i find myself in the situation i am in but i am sure that is the norm:( .I wont bore everybody with my situation just yet but i am sure i will have various questions in the future. My initial enquiry is regarding the IVA register, and…
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Credit score recovery - how long?
Hey, My wifes credit score has taken a bit of a battering due to her applying for new 0% cards without realising that each app leaves a trace and a couple of late ( not missed) payments. realistically, how long can she expect it to take for her score to recover to at least good on the assumption that she makes now more…
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Debt moved to Moorcroft....
I have just phoned Payplan to advise them that 1 of my debts have moved to Debt collection with Moorcroft Debt Recovery Ltd. This was a debt with HBOS and stands at £15095.19 with Moorcroft but is showing as £2418.38 less with Payplan because they don't count the interest and charges. I spoke to Payplan to advise them that…
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Debt agreement in place, BUT...
Hi everyone, I have an agreement to pay a debt collector (Wescot) back at £10.00 a month, however, they have yet to take a payment. The direct debit was setup on the 13th July with payments to be taken on the first of every month, yet to my surprise they haven't taken one yet. I have had a letter saying they need my income…
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Help how to get mortage in future if on Debt Mangement Plan
My partner is on a debt management plan which frozen interest on £17k. His credit score is poor; but he has recently added his name to electoral role. He works in same job for many years. His debt was due to failed business. My credit score is perfect; but I don't work as a stay at home mum to young children with one…
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Desperate. Worried I may do something stupid.
Hi all. Firstly I know I have posted a couple of times before but this has got a bit on top of me so I am going to put it all into one post to try and identify my best options. As let’s face it I have got things into a big mess. We are a young couple who are 24 years old. I have been suffering with mental health issues…
