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I want to be debt free sooner!
Hi, first post here, basically i have a fair bit of debt and im currently working towards paying it off. however i feels like its taking me forever!, i currently owe; £4400 - Current Account Overdraft, £110 charges a month :| £900 - Barclaycard £1300 - Hire Purchase, this is taking care of itself to be honest. £2000 -…
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Struggling, family. Updated with SOA
Hi :wave: I'm C, mum of 1 and a baby girl on the way. Due in November.. Hubby works full time and I stay at home (can't work anyway at 35 weeks pregnant) Basically me and DH have got ourselves in some debt by overspending and some on purchasing a new sofa etc. I'm trying to work out where I stand and how to improve things…
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debt
hello there im after a bit of advise my x scamed £32,000 from benifits 8 year ago now my problem is that i have moved address 12 months ago from the address where i lived with her to my new address where i live with my partner of 5 years and my 3 year old daughter now i recived a letter at my current property from hmrc in…
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Stayed County Court Claim
Hi I am not sure if this is the right forum but I would like some advice about a summons i received. Last year I received a County Court summons from Sigma red. The Particulars of claim were for "part monies" of £362. This was a supposed loan debt to HSBC, although no further info was given. I never had a loan with HSBC.…
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Sell or keep paying debts
I have a property that I no longer live in that currently has one lodger in and is costing me a fortune. I have decided to either rent out the property as a whole or to sell it. I have a £15k debt at 12.6%, owe my parents £6.8k at 0% and a credit card with £1k at 0% for 14 months. I have equity of approx £85k in property.…
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Unable to pay course fees for a distance learning course
Hi all, I need some advice please. I enrolled on an Exercise to Music Course costing £515.00 a few months ago. I paid an £100 deposit and agreed to terms that I would pay the remaining balance within 2 weeks of the start of my training days. These are scheduled for 3 weeks time. I have had a change in my circumstances in…
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Admiral Insurance Auto Renewal - Advice Needed
Hi there, Auto Renewal question here - I never received an auto renewal quote from admiral and they auto renewed me. When they couldn't take payment (as my card details had changed) they cancelled the insurance and this is where I learned about the fact my insurance auto renewed as they had text me to call them urgently!…
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6 years on- debt free and very grateful!
Dear All After 6 long years we have finally reached the end of the tunnel and are debt free. I can't thank you lovely people enough for helping me through the darker days . I will continue to lurk to stay on the straight and narrow and occaisionally join in . In the meantime goodluck to all starting on the DFW journey.…
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What would you do ?
Hi All Just wanted to run this by you wonderful people, we currently have a major car problem which is going to cost quite a lot to put right (OH can't get to work without it) a family member has very kindly offered to lend us the money to get the car back on the road however they need the money back before the end of…
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Why don't they play fair?
Had a Barc CC, got into problems and ended up on DMP. Partly my fault, partly beyond my control. BARC CC now sold to Cabot. Realised BARC had been putting AP on my file ever since so wrote to them and they agreed to add default as of 2010 and sent me some compensation (good of them I must admit). Cabot have since kept on…
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New and confused!!!
Hi all, my partner and i have had out LBM (i think thats it!!) and are currently working though our debts etc. Just a quick question if any of you know. We have our mortgage, bank account and personal loan with the same provider (HSBC). If we start a debt management plan, what happens to the mortgage? if we are paying the…
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Aqua
I have written to Aqua yet again, asking them if they would freeze the interest on my credit card. I've received a letter today (2 actually, identical!) Which outlines what I need to do to set up a repayment plan. In my letter to them, I obviously explained (yet again) that I have a DMP with StepChange. They are asking for…
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cifas entry? but not on any credit reports
I sent a SAR to CIFAS and was shocked to find an entry by HSBC bank, apparently someone tried to open an account in my name, using an address I never heard of. However there are no CIFAs entries on any of my credit reports, I just checked today..should I complain to CIFAs to get this removed? Also the application was made…
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Creditor claims error on DMP
Hi all, Hopefully someone can advise me, or perhaps has had a similar issue. I started a debt management plan with CCCS/StepChange about 5 years ago and through the monthly statements was advised that my final payment would be in November 2013 - Nearly there! My final creditor, Natwest, however is now stating that they…
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Unbelievable
I previously did a post on an insurance problem I had to do with hire charges, and thought it was all sorted, so again re posted on here to say that they are no longer requesting reimbursment for the hire charges from me so all was good. No its, not .... instead of receiving a letter of confirmation I receive an invoice…
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New here...where to start?
Hi all, I'm new here and looking for a bit of advice. I'm 28 married, my husband is 29 and we have a 13 month old boy. My husband works full time and myself now only part time since having the little one. We currently rent and have done for the past 4 years since leaving home. We've come to find ourselves in a mess....even…
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Lack of a stable address???
Prepaid cards operate on the same basis as a basic bank account in that they do not offer you access to credit. This means that they are suitable for those with a poor credit history as, unlike applying for a credit card, you won’t be credit checked when you apply. The only things likely to get your application for a…
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Overdraft
Hi My son and I had to move this yr and with white goods Carpets etc, have gone nearly upto my limit on od with natwest I also am paying back mum £20a week off £900 Od is Just over £2000 I work 16 hrs get wtc and a bit of housing Ben I see no way of getting this down in fact it's gone Up in 6 months Natwest have now…
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Writing off remaining debt, possible?
Just after opinions please.... Currently in a DMP and have paid £14,050.33 off already with a estimated remaining balance of £9,344.13 We have only been paying £21 a month since February as my husband was made redundant then. He's back in work now, been working for the last month however has taken a considerable drop in…
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Sat/Sun 21st/22nd Sep - What Small DFW Things Will You Be Doing This Weekend?
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…
