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Thursday 27th 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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Advice regarding Overseas debt and Collection
Hello, I went to The US in September last year. I required hospital treatment and was fully insured. Unfortunately, the insurance refused to pay out as my treatment was not covered. I was dehydrated and was in the hospital for no more than 3 hours. I have three bills: ambulance, doctor and hospital fees. The fees…
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Need debt advice - total mess!
Hi all, just wanted to post quickly as I need some urgent advice as to which general direction to head in. I'll post a full soa when I get to work tomorrow (laptop charger is broken and can't afford a new one!) but for now here is as complete a breakdown I can give. Now what I did to get here was not wise - I invested…
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Drowning in debt.. or are we all?
So watching the program the other night got me thinking. What figure to you personally think would be considered drowning in debt? I know it would differ on salary and other commitments however, someone might think £1000 is where for others it might be higher despite salary/other commitments. Or is it a case of you are…
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Debt Advice
i have got debt letters (equal to thousands of pounds) from previous addresses i have lived at but they are not my debt i know for a fact it's possible i might of let something of my details there and the people who moved in have used my name as fraud (or even a family member I lived with) what do i need to do who can help…
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Newbie looking for advice
Hi all. I am currently in a financial mess. This is partly due to being unemployed and poor budgeting. I have a list of my outstanding debts and have contacted StepChange and I am currently awaiting the arrival of my application pack. The problem I have at the minute is that I have missed a payment to Wonga and to Halifax…
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DMP / IVA missing payments ... Help!
Need some help and advice. My ex partner and I had a joint loan with Halifax. In 2008 he entered into an iva and I started a dmp. His iva came to an end at the start of march this year. Both his iva and my dmp were making payments to the joint Halifax balance. He got hold of a copy of all payments sent to Halifax from his…
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Debt change help
Hi all, My wife has an agreement with DebtChange on several Credit Card debts totalling £22,000. This has reduced her monthly payments by 75% which has helped us greatly. We've recently had a beautiful new arrival, and the costs have mounted. Would anyone know what reduction in the monthly debt payment can be achieved (if…
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Aktiv Kapital
Hi All, I'm looking for some advice I have recently started recieveing letters from this DCA again I have never acknowledge this debt due to the way the whole case was handled. (background info:- the account was for an old Debenhams staff discount card with GE Capital) GE Capital took me to court in sept 2008 and…
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Quick DMP question please
Need a quick bit of advice please guys. Can I work the DMP in my name only? If I enter a DMP with say SC and the debt is all in my name do i have to involve my wife if she lives at the same address and will she be expected to contribute by creditors? Nothing sinister -she knows all about my plans and wants to help but as…
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Bristow & sutor!!!!
So I just ran to school, iv been all day and left my house keys in my husbands car. Left front door unlocked as we live on a good street, and I would only be 5 mins. Came home, to find bistrow and sutor have entered my house and wrote a "list of goods removed". I am fuming. I can not afford the amount they want in 5 days.…
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CCA Template letter scotland
Please can anyone help? I've received a small claims notice for our sherif court, regarding a credit card I had 2006. It was with vanquis but they've sold debt on to Cabot who've issued summons? Is it too late to stop this now? What can I do? Please advise? Thankyou
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Voluntary redundancy to clear debts?
There is the opportunity for some people to take voluntary redundany where I work. When it was announced this morning I didn't have any intention of putting my name forward but the more I have thought about it the more I have been thinking it could be the right thing for me. My situation is I am 31 and single currently…
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When do court fines expire in the UK?
Hi all - I received a 'Further steps notice' from the London Collection and Compliance Centre asking me to pay 200 GBP within 10 days. When I called them, it turned out it's about an unpaid magistrate's court fine for not paying my fare on a London Capital Connect train back in 2006! I moved houses shortly after I received…
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Debt paid off - when will my credit rating improve?
Hello all, After paying small installments off my debts, I'm now in the lucky position to pay everything off in one go because I've come into some money. I've written to all my creditors telling them I can pay the balance in full, on the provision that they remove the default from my credit file as soon as payment is made.…
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Which to pay back first?
Hi everyone, After a few years of building up different debts, I've taken the plunge and moved back in with parents. So now I am able to put quite a large proportion of my wage solely onto paying off these debts. Here are the debts: Lloyds Loan - 6356 (9% apr) - £167 per month (of which £50 is interest) Co-op career dev…
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credit union overpayment.
my 77 year old mum as been paying £20 a week in cash into her credit union. she as been doing it for about 8 years and then taking some out during the year for holidays, xmas etc. since 2010 a standing order as been paying £20 a month in which was not hers. every time she as drawn money out they mentioned this standing…
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Why I don't feel deprived.
At the beginning of my DFW journey, I felt rather frightened by the sacrifices I had to make to clear my debts; I had visions of me and my two children eating only value foods whilst sitting, shivering in a cold house. Despite my fears, I stepped into the unknown... I must admit that, instead of feeling deprived, we are…
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Wed 26th 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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Bailiff Advice: Newlyn
Dear all, I have a council tax debt, that has been passed onto Newlyn Bailffs. They quickly upped the charges and added £750.00 on top ! I counter acted as they had not gained entry and could not levy any goods. I wrote to them instructing them of the lawful charges that could be held against the account and also informed…
