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Is there a better way to tackle this debt
Hi All, I am currently on a dmp with Payplan but want to try and be debt free sooner than the endless years quoted - possibly 10-14 years. I owe: Cabot for Barclays credit card - £3719 Paragon for HSBC loan and credit card - £14871 and £2820 Capital One credit card £1450 Totaling approx £22863 give or take the pennies With…
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tsb
Hi bit of help needed my hubbys ex had run up a debt with TSB(joint account) but they sold it on to debt collectors have come looking for my husband only an they said that when tsb sold them the debt they never mentioned there was another person to be looking for surely this means TSB have missold the debt to the debt…
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can i get a whoop whoop
After having a bit of a down day today, there was one ray of light. I found out that I have now paid off our friendly neighbourhood bailiff for council tax arrears... That's freed up £110 a month, which will go into a rainy day pot :) Not wanting to gloat too much as I've a way to go but thought I'd share it
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Need to know rights
Not sure where to post this. But here goes. My son recently took a job where he pounds the streets asking people to sign up to charities 12 hours a day, 6 days a week for peanuts, them dangling in front of him in 10 months he will own his own franchise anywhere in the world and earn £3000 a week. He doesn't face reality,…
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time to throw in the towel.
Have had a very bad run of luck over the last few months and I really can't see any other way to get through this than go BR. I really just want my life back, to be able to sleep at night without waking up in cold sweats and to get back to a healthy lifestyle, I often go days without eating. Background - I'm 44, have 3…
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Wonga fraud on huge scale - Innocent consumers pay the price | BBC Watchdog
Watch BBC Watchdog report: http://www.bbc.co.uk/i/b03bs4bf/?t=2m01s
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Start of plan to be debt free
Well after getting in a tight situation recently, last month I managed to take some action on trying to be debt free. For the last few years I was using bank cards and credit cards without really paying attention to the balances until it was too late. Last month I decided to do 2 things: 1. Take out money for the remaining…
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advice on which is better
hi all, i wonder if you help with some sugestions/ advice... i am a british person at present living in NZ i have and use a british credit card which i would like to start clearing properly, it has approx 4900.00 on it and i am currently paying off the minimum payment plus charges.. i am paying them off by transferring the…
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Court proceedings issued again.
Hello everyone
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Thursday 26th September 2013 - 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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IVA or not?
I know I've asked another question which is on completely different lines to this one, but suddenly I've taken notice of the debt I've been surrounded by for a while and decided to do something about it! I've had some advice from a company tonight and they have suggested the IVA route to work out our debt. While we are…
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Working out what APR actually means?
You'll have to forgive a simple question like this, but I wanted to know what APR actually means in terms of payments etc. so I can work out the best deal for me - not just in my example below, but generally so I can use it moving forward. I have 2 overdrafts which cost about £85pm between them in fees and interest. I've…
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Dca:can they do that?
Hi newbie here looking for a little advice. i recently checked my credit file and was abit miffed to see 2 defaults from a payday loan lender- anyway i wrote into them asking for copies of original agreement, copies of defaults etc( no idea it had defaulted) in the form of a dispute/complaint which has been ongoing for a…
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Help needed
I have been in touch tonight with barclaycard. I asked about Full & Final settlement. Goal posts moved they want 9000. Apparently they are going to be requesting the full amount on Friday for 2 of the accounts. My wages have gone down massively this month due to a change in job i have told them can only pay £1 of each of…
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Help with Vodafone/Lowell
I noticed back in January 2011 I had a new entry on my credit report, showing outstanding arrears to Vodafone. I only noticed this because I am signed up to Equifax's credit report monitoring service, which emails you whenever anything changes. I wasn't aware I had a Vodafone account. I had certainly never had a Vodafone…
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would you accept this full and final
Hi, Mackenzie Hall have offered me a settlement of £1400 on a £4400 debt with NRAM. My parents will help settle it if I feel it is acceptable. The wording as follows. REDUCED SETTLEMENT OFFER We can confirm that our client will accept a lump sum payment of £1,400.00 as a full and final settlement with regards to the above…
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Help with university fees please
Hi We would really appreciate some help if possible. Our Daughter is currently at University and is struggling financially. Having started her second year she applied to extend here student overdraft but this was refused leaving her unable to support herself during the coming year. She is training as an Occupational…
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4 years of hard work finally over
Hi just a quick bit of info on my problem s just before the credit crunch i was earning very good money but the bubble soon burst. I got another job straight away but it was at the local chicken factory not good money at all so my finances very quickly turned very bad missing payments on credit cards loans etc etc they…
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Just finished my DMP
Hello. I have just finished a DMP with Step Change, took about 5 years,but feels great to be debt free. Obviously I want to build my credit rating again, so what can you advise me to help improve my credit score? (currently 300 with equifax) I have also managed to get my monthly out goings down quite a bit and I will be…
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It just keeps disappearing...
Hi, I'm Nicki. I'm a single mum of a teenage daughter, self-employed and on a very low income (credit crunch hit my business, but I am trying my best to up it!). I don't drive (bus fare is approx £4 a day if I need to get the bus anywhere, and I rarely get a taxi!), I have no insurance at all. I don't budget for hair…
