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Please help...
Hi all, Basically, my friend met this guy online who said she could make thousands of pounds instantly on the day if she did something for him. The thing she had to do was take out several phone contracts and he said he had someone who works in HR who would cancel the contracts straight away so she'd basically be quids in…
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Concerned about my debts being sold on
Hope someone can advise. I'm about to set up a 'temporary payment arrangement' as advised by SC but I'm really worried about the debts then being sold on even if they accept. I have a Virgin CC and a Barclays account that I'm enterng into the plan and my concerns are that if they are sold on I will start to get calls at…
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Lightbulb
I started getting credit cards/overdrafts at 18 when I went to university, as I believed debt was 'normal', and everyone was in the same boat. Now, at 22, I'm tired of paying out money every month, being in debt, and living beyond my means. Since January, I've cut up my credit cards, and replaced them with 1 debit card in…
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Very Old Debt, Debt Collectors Threatening Me
I hope someone can help. I recently applied for a mortgage, everything was fine, however I have had 2 debt collectors come out of the wood work claiming I owe them. The first debt originated in 1997, I was 15 at the time, so clearly they have the wrong person, however the second one that came this morning was sent to my…
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Self Employed - Debt advice appreciated
Hi guys, For 2 years I felt compelled to go it alone. I have felt bad about seeking help from others, but now I feel like I have to. I am in bad debt. Not as bad as some others are, but because of myself being self employed, I have a few bad months that lead to me getting charges on my current debt. Below is my list of…
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*waving nervously*
Hello very nice MSE people, I've been lurking on here for a while but was motivated to sign up because I saw a thread that I thought I could offer a tiny bit of help on, which is very unusual for me when it comes to finances. I just wanted to say hello and introduce myself. I'm 27 and my debt problem started towards the…
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Not Likely to Get A Mortgage
Hi there. I would appreciate any advice that you could give me please. I have just paid off the remaining amount owed to a debt management company (been paying £5000 off weekly since July 2011) and received a confirmation letter from them yesterday that the debt is clear. I also have 2 credit cards - I was over the limit…
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Sat 29th March/Sun 30th March - What small DFW things will you do 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…
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Credit cards - GONE!!!
I have made my last payment to Barclaycard and now owe NO money on credit cards!!! On 29.04.11 I had £18,440 of debt on 2 credit cards and a loan. I'm now down to just under £2,000 on my loan and without overpayments it will end in November this year. I get married in 19 days and I'm so excited not to be bringing any…
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Which new bank acc prior to a DMP?
I need to open a new bank account prior to my DMP kicking in. I understand it will need to be basic but are there 'recommended' accounts perhaps better than others? I will need to have online access. Thanks as usual
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Andrew Wilson and Co
A couple of years ago I got into some financial trouble. A debt of just over £1000 was passed to Andrew Wilson and Co. With being evicted I did not receive any CCJ letters. The first I knew of Andrew Wilson and co was when High Court Sheriffs turned up at my parents house demanding over £5,000 (including their fees). We…
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Maternity - spanner in the works
Hi all some impartial advise would be gratefully received. I was a bit silly and took out a loan to help my parents financial situation in the end got into £20k of debt myself and ended up getting stressed about it Roll on one year and I have only got £10,527 left to pay off (only) with my DFD being September 2015. Ive now…
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Bailiff being difficult - is this allowed?
So yesterday I plucked up the courage to call Ross & Roberts and ask to make a payment arrangement on a £300 council tax debt I have from a previous address. This was the first letter I had received from them and wanted to clear it up asap. They promptly gave me the mobile number for my "area representative" and told me to…
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Judgment for Claimant question advice much appreciated
Hi I am actually sat here typing this feeling sick. My husband has today received a letter and when I opened it (as he is at work til 11pm) it is a "Judgment for Claimant (in default). It says he must pay £3871.43 forthwith. I gather that means it must pay it in full. There is no way at all that we can afford to pay this…
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Contacted by creditor after we thought full payment was made
Hi, We had a DMP with CCCS/StepChange and last year we received a small amount of money and used it to pay off the debts. We contacted everyone to check the amount due and then made the payments. One of them was a bank loan which was through a debt management company. I have an email from them confirming that "the account…
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partially settled debt. Wescot.
just read your mse dictionary and under the partially settled definition it says the debt is not closed on your credit report and that the DCA can still harass you for payment? in my case wescot bullied my mother (from my previous address that they knew I no longer lived at) into accepting a 50% reduced payment to clear…
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just started out on DMP journey
Hi I have just posted off my paperwork to stepchange and I was wondering if once you send the letters out to the creditors, can i expect to be unindated with telephone calls. The reason I ask my parents have no idea I am in debt and that's the way I would like it to stay, Also can the company tell them who they are and why…
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Micro Lend
Hi all, I am a bit of a newbie on these forums but wanted a little bit of advice. I am on a DMP with StepChange at the moment, and one of my debts is with Micro Lend. As some of you may have heard, they recently had their credit license revoked by the OFT. I can't say I am surprised as the owner's tactics in chasing money…
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Advice needed on reducing debt repayments
Hi guys, I am new to this site but what I have found so far has been really helpful. In September last year I made the decision to stop burying my head in the sand and face up to my debts. I initially set up repayments which were affordable due to there being constant overtime at my job. This over time has since stopped…
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sistafromanothermista
sista- just saw the news you are now debt free, well done you. I remember your first posts on here! hope you put yourself on the Debt Free Roll of Honour :beer:
