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Payplan cover my...
Hi all- I've been in my dmp since dec 2009 and every since I started the plan I signed up to cover my payments and cover my life- I think this amounted to £15. I would have signed up to anything - I remember asking if it was advised and was told yes- so for the last few years I have been paying £15 for I'm not really sure…
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debt advice - £40k debt
Hello after 10 years of service, i got made redundant about 6 months ago and ever since ive not really settled in one job, i looked into different alternatives to make money, stocks / forex, i made some really good profits but then i would loose it all and end up investing more money, dipping into my credit card, my…
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Private to public company debt?
Does anyone know if a private company goes public, does the debt owed from years ago still stand?
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Is it possible and where to start?
Hello, I am a newbie to posting but I have been reading the boards for some time (thanks for all the posts that have kept me going!). To give you some background - we have been through some very difficult years. OH was main earner but has had 12 months unemployment and then took a minimum wage job - this led to a better…
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Usave
Hi everyone, hope I'm in the right forum, just got a phone call from a company called Usave saying they can help me with any debt I have getting interest frozen,etc, has anyone had any dealings with them?
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Sat 22nd March/Sun 23rd March - What small DFW things will you do this wkend?
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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Full and Final Settlement
Hi I am looking for some advice please, I have recently had to liquidate my business which was running for 5 1/2 years leaving me with no income. I was expecting to go bankrupt but my parents have offered to help out if I can reach agreement with the people I owe money to. At present I have never missed a payment to a loan…
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Debt management firms selling 'unsuitable' plans, says FCA
The BBC have an article on TV at the moment and also on their website: Debt management firms selling 'unsuitable' plans, says FCA This may not be news to many of us but "More than half a million of these agreements are started annually, most of them with fee-charging firms" so please read and if you are paying a fee for…
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Statutory Demand under section 268(1)(a) of insolvency act
Hi, I have just received a Statutory Demand from my old employer the sum of just over a grand on overpayment. Their mistake on commission. I paid back £700 just before Xmas but advised I was going through a painful separation from my wife. I have just come out the other side and have moved back to my home city of Leeds. I…
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Join us on twitter for #dfwbloggers at 8.30pm. You don't have to be a blogger!
Hi and Happy Friday! If you're around this evening come and say hi on twitter at 8.30pm. Follow the hashtag #dfwbloggers and use it in your tweets to join in. In case you're new to the Forum, Twitter or DFW we have a blog all about it: Dream of Being Debt-free? Join in and let us know :)
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StepChange brilliant but still one niggle
Long story short, I came to the realisation this month that I could no longer service the £30k credit card/personal loan debt that I'd got myself into. Husband and I were in the verge of separating before I called StepChange today. I'd become self employed in October. 2013 and my debt has been slowly growing since. I'm so…
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Very fiasco......
Just after a bit of advice for a family member; Facts; 1. Very account held in sisters name 2. Balance owed approx £320 3. Sister phoned Very to pay off balance using mums debit card (with her authorisation) 4. Very advised that the card was declined 3 times Very told my sister to advise mum to call the bank. Mum did this…
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How to deal with my finances... pretty please help!
In a nutshell: I went back to college and then university full-time for the past five years which meant money was at a premium. Checked my credit report yesterday for the first time and i'm hit with a whole host of problems: A CCJ of £2,000-ish from the University property that I lived in up until the point i left for…
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Natwest can't locate my account!
I have a defaulted current account with natwest with an unpaid overdraft of £1250. After looking at my credit report Natwest are still reporting the debt to the credit scoring agencies, the most recent report coming this month. However, when I contact natwest to get the account details so I can add it to my DMP they cannot…
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court summons
Hi guys I'm on here to ask for a little bit of advice. I received a court summons this morning about a debt company wanting to take me to court for £460. Is there anyway I can get out of this? I live in Scotland and I am on dla and esa benifits. I also suffer from anxiety depression and a few other conditions so I really…
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Paid-off debts sparking an avalanche of mail
Does anyone else find this? The second I pay something off for good (Creation, for example, for my sofa) they start bombarding me with offers for loans, credit cards, you name it. B*gger off, can't you, I've paid if off for a reason! I've got enough creditors still lying around, I don't need to take old ones back on board!
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Bank charges, debt sold on advice please.
Hi, I am being chased for just over 600 pounds in bank charges which go back to 2008 when I lost my job. I didn't have an overdraft facility at the time and was made overdrawn by direct debits that bounced. Although I had cancelled the DD's with my branch, I have now been told that I should have cancelled them with the…
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Withdrawing Warrants of Distress
Having just heped my son in dealing with a defaulted compensation order that was in the hands of the bailiffs, I thought this might be of potential use. If it's inappropriate or in the wrong place, mods please delete or move :) There's a lot of information out there on how to deal with Warrants in the case of default on…
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experian credit report
Hi all, I have a free 18 month "protectmyid" from experian, and that gives me access to my credit report which i have just looked at for the first time ever. I have a debt of £4800 that a second DCA is now owning.It is about 7 years old and i am paying £5 a month on it at the moment and have been for all these years after…
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strange situation, want to help ..
morning all :j I am trying to get my friend on the DFW wagon. I am encouraging her to balance transfer her long standing Barclaycard CC to a 0%. She has seen the nationwide offer and wants to give it a go, now for the strange bit... she got married a couple of years ago, to a chap who owns his house outright, no mortgage…
