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Tuesday 24th 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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CCA Lloyds address?
Hi...i'm down to 5k from 50k and lloyds are the only one left...the account was referred to what i believe is a subsidiary BLS Collections...i've asked them for my CCA as the accounts are quite old and i guess as i am nearly there i want to chance my arm a little...perhaps trying to get a low full and final...but good old…
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Timing.
Just received an email, entitled "Stop paying your creditors today". How's that for timing? :D
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So close!
Last month I thought I had made myself 90% debt free. Well, that was wrong. Yes, I did pay of lots and lots and lots, all apart from 2 loans. I thought I would have enough this month, but I didn't. I did, however, have a pay rise, and I will have money left over at the end of the week. That's saying something. I was,…
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I want to get debt free
Hey, Iv come on here with the hope of getting some advice on getting out of debt. I have approximately 23k of debt divided between 2 loans to the same lender one has a 0%apr and is due to expire June 2015. I also have 3 credit cards to 3 different lenders and reducing the balances is a mega struggle. I was one of the ones…
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Where to start paying off debts
Hello, I hope someone on here can help. I am trying to help my partner sort out his debts. He has numerous companies he hasn't paid anything to for ages and he is hopefully soon going to be in a position start making payments/clearing some of the debts. We have his Credit Expert account to see what is outstanding and when…
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Suddenly being chased by debt collectors after a company botched my direct debit
Hi all, I really hope you can help. In July 2011 I signed a direct debit with a famous national opticians for monthly disposable contact lenses. Then, either in June or early July last year, I rang them to cancel the direct debit as I was getting my eyes lasered. I also needed to return the spare lenses I'd already been…
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Small Claims Court - BT- Equifax Default
BT have not responded in 14 days, and I have asked for a default judgement. I was seeking the removal of a default on my Equifax file, and £1000 damages. +60 court fees This is the first time I have tried this, so have a few questions... If I win, how do I enforce the default removal? This was the main goal, but I was…
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Wescot/Bryan Carter (Egg) - Help please
Hi i am hoping someone can help or at least point me in the right direction. Back in 2008-09 i went through a really difficult period, i was laid off work due to sickness and my relationship ended so with various bills an no income i found myself in a mess. I contacted all my debtors to arrange a payment plan but Egg…
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next steps for payday loan debt repayment
Hi all First proper post so be gentle with me. Just sent off two emails to wonga and swift sterling to repay by installments. Sent off a breakdown of income nd outgoings to them as well. And also requested from swift sterling to only contact me by email and not by phone. How amenable are these to repayment plans, or am I…
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RMA resolve
Hi, has anyone had dealings with RMA resolve. Had letter through asking for partial settlement but only offering 20% off the amount owing. Any advice?
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Should I pay debt?
Good morning, I defaulted on an account in 2007 for around £5000, in 2011 I started paying monthly as I could afford to pay, but again I stopped as bills started getting on top of me and I could not afford it. Technically I defaulted in 2007 and the debt should now be deleted from my report, but because of the payments I…
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Plan that may fail
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Monday 23rd 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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I'm in debt again
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biggest unsecured debt you have heard of?
Hi Folks, What is the worst case of unsecured debt that you have heard of? A family friend of mine apparently owes £100K in unsecured debt. Just wondering how common these huge amounts are becoming in this day and age?
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Getting there slowly.
Hi Good news... I have had a bit of a pay increase which means I have more spare cash to either throw at my debts or to build up an emergency savings pot. Not decided what to do. Salary has increased to £47500 (£3000 of that figure is guaranteed overtime) I still owe about £25K ( it was well into the 30K's at the start) so…
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Where to live?
Hey guys Some of you know my story but for those who don't I live offshore and about 5 years ago was engaged to be married. Then found out my fianc! had been having an affair for months and he kicked me out the house and I had to start again Made my own friends, climbed the greasy pole and got to top of my game career…
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Completely Ignoring Debts
A friend of mine borrowed £400 from Wonga and was due to pay them back over £500 around a week ago. She cancelled the CPA with her bank so Wonga did not take the debt and tells me she has no intention of paying them back because she cannot afford it and has to pay for other bills instead. I told her she cannot just not pay…
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dmp budget and ex partner who never pays his half of bills
I'm currently in the situation where I have split from my partner , a few months after we moved from rooms in a shared house to a one bed flat. So at the moment I am sleeping in the lunge/kitchen area. I have had to redo my dmp and add several new debts already since my ex always relied on me to bail him out of things (he…
