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CCJ summons
Hello I've just received a County Court Summons and not sure what to do. I got into a pickle with my unsecured borrowing in 2006. I owned a house with a mortgage. My Girlfriend left and I was out of work and couldn't afford to live there, negative equity and no work around due to the credit crunch. I rented out my house…
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New here and need some advice
Hi everyone, I've just joined up and am in major need of debt advice. At the moment i have around £4000 of unsecured debt and don't know where to start clearing it. I've also gone from earning 1300 a month to 700 a month. I have 2 small children and have recently had to move back in with my mother (who is on JSA) and would…
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Advice required; 69 Year Old Mother having trouble serving her £10k debt
I'm trying to help my 69 year old mum who has got herself into a bit of a 'debt' pickle which is starting to cause emotional distress. Seeing her crying and worrying about money at her age is upsetting as you would imagine. She said she was ashamed that I had to see what trouble she was in but I said getting ot out in the…
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Wed 16 April - 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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CCA 12+2 days passed what do I do now?
Been paying a debt from aqua card, it never seems to go down and doubled from the amount it started, anyway will take me 35 years to pay it at the rate I can afford, so decided to send in a £1 postal order and ask for CCA, I have given Lowell well over 2 weeks and they sent me a letter saying they have contacted Aqua for…
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Defending CCJ Arrow Global
Hello I have received a CCJ claim form from Arrow Global. The debt was with Halifax and I have not had any contact with them since August 2007. I ceased contact after requesting a copy of my credit agreement for the loan, they didn't send it and I stopped dealing with them. I have never had contact with Arrow Global. I…
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Need help and advice - SOA attached
I have attached a SOA for advice. I think I have got everything on there but not really sure. I can not work due to ill health and income has changed after last months dreadful loss. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in…
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Do people know about your debt?
Hi all :hello: I hope your day has been as sunny as mine. :) I was wondering if you told your partners, friends, relatives about your debt, and how they reacted? Sometimes I find I feel rude when I can't afford something, especially as there was never any shortage of money in my close and extended family when growing up.…
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Debt Sold On – Different Balance
I had an old Vodafone debt (that the more I look into the more I think I should have disputed, but that's another story) that was with a DCA, with a remaining balance of about £45. It's been on my DMP getting a fiver a month, but with the balance so low I was just going to pay it off when I get paid this month to get rid…
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Statute Barred Advice?
I had a Barclaycard (credit card) around 2004/2005 and ran into financial difficulties in 2007/2008. I sorted out my other debts into a DMP however this one seemed to have slipped the net... The debt has now been passed onto Lowells. A few weeks back I received a letter from them advising of action etc. I sent the standard…
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Some advise on self DMP CAPITAL ONE AND INTELLIGENT FINANCE NOW HALIFAX
Hi wonder if anyone could help me as I'm new to this. After burying my head in the sand and robbing Peter to pay Paul I have finally made a SOA. After initially intending to go with StepChange I have found that 3 debts out of six who I have contacted have agreed a plan direct. Barclays who I have 1 account and an inherited…
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Need some help about debt
Hi there, Firstly I would like to thank anyone for taking the time to read this, I think I'm posting in the right place. I am increasingly worrying about my growing debt and really want to try and clear it. Here are the big debts that are worrying me: Mortgage: 14,000 left over 20 years = £96 month + £170 rent (Shared…
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anyone used stepchange?
my partner has a DMP and is being charged £37 a month management fee buy the company he uses. after weeks of pestering him i have finally persuaded him to change to a company that dont charge and stepchange seems to be the one he is going to use. just wondered if anyone has ever used them for this sort of thing?
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Using 2 DMP Companies, at the Same time ? - is it allowed ?
I have seen cases of DMP case studies where the person in debt in in 2 debt management plans with 2 companies, and their debts are split between the 2. But each DMP Company has different creditors on each side, and No creditors are duplicate DMP company 1 Creditor 1 Creditor 2 Creditor 3 DMP Company 2 Creditor 4 Creditor 5…
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Simply Financial
Anyone else received a phone call from this company? (no. 01463 218619) They phoned me today saying that they are aware that I am repaying some unsecured debt. I said I didn’t know what they were talking about and hung up. How would they have known this? I haven’t defaulted on anything and am not struggling in any way to…
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Telling lies to DCA's
Hi, I did post this in my other thread but thought maybe it needs to stand alone. I offered a DCA a full and final settlement offer of £60 for a £200 debt. They replied saying that they could accept £140 but maybe able to consider my original offer dependent on a Financial Statement from me. I'm inclined to manipulate the…
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SOA - your words of wisdom please
So here is my SOA. I need to clear the debts and find another school bus fare in September - but only about 270 per year. I've not included the £95 trip that child has to go in in May. There's obviously loads of other incidental stuff that I spend that hasn't gone on there which is why we are in debt. Like exam fees,…
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Feeling scared
Hi DFW's, I'm feeling rather scared and not sure where to turn. I have been reading alot of other threads and am now feeling scared. I have been in the process of setting up a dmp with either stepchange or payplan and had been feeling like it was gonna be a glimpse of light at the end of the tunnel (in about 5 years).…
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Tuesday 15th of April What Small DFW-Things Will You Be Doing 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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DMP but on JobSeekers income, and housing benefit proof?
If somebody is going through a DMP with Payplan/Stepchange and they are not working, but they are on Jobseekers allowance and getting housing benefit too, -after the income /expenditure has been done with the company over the phone, then do payplan need these jobseekers letters, and housing benefit letters, to be sent to…
