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questions about paying off debt
Hi, My friend told me you can negotiate with the solicitor/debt collection agency to write off some of your debt if you decided to pay in full? Let's say I have 2750 in debt you can ask them to write off £100 - £200 or the interest? Is this true? Thanks in advance. San
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Friday 28th March - What small DFW things will you do 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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just a wee question :-)
Hi everyone, hopefully someone can help. I have two debts with british gas. ( I know how terrible this is, and I am trying to put it right. And I do feel awful about it. ) one is for £900 and one for £341. The are both listed on my call credit report as being with british gas (both with the wrong default dates, which have…
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This forum has helped me no end.
Firstly I would just like to say without the advice of reading through the many topics relatable to my own personal debt experience I would still be struggling in the swamp of non priority debt I had racked up as an irresponsible young adult. Because of this site I have managed to start to resolve a debt with Vodafone and…
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Shop Direct sold debt to Lowell
Hi everyone Today, I have received a letter from Lowell debt collectors, saying that Shop Direct have sold my debt on to them, and I must continue to pay via my DMP as was agreed with Shop Direct. I am now very worried. I've been in my DMP for a year now and cannot understand why this has happened, I've never missed a…
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Will I have to sell my house?
I was wondering if anyone can help me with a query for my auntie. She is 70 years old and has accumulated around £25'000 of credit card debt. She was working full-time and could make the credit card repayments. Last month her hours have been cut at work and now she is only working part time and is struggling to pay the…
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Financial Advisors - any that specialise in getting clients back on track?
Hi all, I have been reading and digesting these forums for quite a few weeks now. They are so informative, reassuring and comforting in a time when I'm quite panicked about our financial future. Are there financial advisors out there who help clients get on track or are they mainly focused to selling products? We are in a…
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Help for a newbie
Good afternoon, I've been coming on this forum for a while to seek bits of advice but now I finally feel the need to sign up and ask for some more personal and tailored advice as I feel my debt is getting out of hand. Firstly apologises if I have posted this in the wrong forum, it's a bit of a general post and not about…
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Stuck on a merry go round
I've been a member here for many years, and yet here I am AGAIN. So, on the face of it I have enough "spare" money to pay off extra to my debts. So why, please, do I run out every sodding month? Can someone share with me a really good method of recording everything I spend this month? Everything I've used makes it such a…
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Help please regarding a bounced payment?
OH has a tesco credit card On 26th Feb they tried to take DD of £54.80 and it bounced and was returned on the same day. We didnt realise til the 4th March, so on the 4th March paid £54.80 on the tesco wesbite. I am going through our bank statement now and noticed that Tesco retook the DD on 7th March. So they had it twice.…
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Credit card shuffle or consolidate help please
Afternoon all. As title says, I'm a bit confused on what to do. We have a few cc and loans and today have been to the bank for a review and she looked into a loan to consolidate. Everything is a bit confusing, I confused both the lady and myself. She offered a 5 year loan at 13.6% (about £561 a month) and we would still…
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Dw fitness dispute - please help
Hi, Thanks for reading I was wondering if someone could give me some advice. I joined DW fitness back in DATE at their Middlesbrough branch whilst I was living at my boyfriends address. In October we moved to Newcastle and decided to check out the facilities there. It proved too much of a nuisance to get to the gym from…
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Mini Credit ....Please advise?
I have been stupid before anyone says it, but need some help. I have two payday loans myjar and mini credit. I was constantly borrowing to pay back and finally pulled my head out and asked them for repayment plan then I can get financially straight. My jar agreed to my payment offer and freezing interest. Mini credit have…
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Credit Solutions 'Visits' - Paypal
Hello everyone, A couple of weeks ago I got a letter from Credit Solutions regarding a debt I have with Paypal and they gave me the usual B.S about arranging door step visits, County Court etc and I sent them this email ; Please be advised that I will only communicate with you in writing. I have noted your repeated…
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No reply to CCA request & now the account has been moved on
HelloIve been trying to settle an old credit card account with Moorcroft and have made a couple of relatively low full&final offers that have been rejected. I would have offered more but its all i could stretch to just now. Upon rejection i thought i would try for a CCA request to try and strengthen my hand a little and…
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Aged Debt
Hi, My brother has just asked if I can help him with a predicament he finds himself in; He just received a bill for a service (after school care) he accessed one and a half years ago. Theyve lived in the same place and no contact has previously been made about the bill. He believes there is some rule that says you dont…
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Downsize???
Hi all, this is my first post so any feedback would be greatly appreciated. I am currently discussing whether to downsize my property with my wife to pay off our £21k loans/cards etc and free up about £800 a month of cash. My current property is a 4 bed worth about £230k. We really do not need the space we have but I like…
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Debt Advice Needed.
Hi, wondering if anyone can give some advice please. I currently have approximately £29,500 of debt built up on 8 different credit and store cards. My payments are around £800 each month. I am feeling pretty deperate at the moment to the point of where i am not eating or sleeping. My job was made redundant last August…
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i've been stupid....need help with Bryan Carter
Dear All, I received a claim form from Northampton for a debt of 354.66 to Orange, on behalf of Bryan Carter Solicitors, dated 25th February. immediately rang BC and stated that I hadn't received any letter at all regarding this until the claim form turned up. BC said I could settle the account in full within 30 days from…
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Lowell Financial help!
Hello All, Yesterday I received a letter from a company called Lowell Financial telling me that I had an outstanding debt. There are a few things about this letter I don't like/understand and any advice would be appreciated. The letter said that I had been recently informed of the transfer of a debt from Three Mobile to…
