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Should I?
I am on a DMP and need advice. I have 3 debts to pay and the lowest one is £255 which I am paying £78 per month to on my DMP. If I am able to pay extra to the lower one to bring it down quicker so the £78 can be divided between the other two would this effect my DMP because I've made extra payments. I would make the…
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Advice needed
Hi I am really confused and would really appreciate it if someone could help me. If you have debts that are really old and do not show up on your experian file and you make a partial settlement what happens? The debt company have said they will mark the debt as partially settled but will this now show up on the credit…
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Why is there always "something else"
I budget every month and am getting better at sticking to it! wever why when your stretched for money there is always "something else" to get, just gone to do lunch boxes for work tomorrow for me and OH, theres no lettuce left, had to nip up the shops, I know its only lettuce and its only £1 or so but it always seems thats…
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dmp and defaults
hi all weve been in a dmp with payplan for 7 years now and managing fine. weve just checked our credit files and my husbands shows as fine and up to date, but mine shows 2 defaults dated 19.4.2008 and 30.3.2008 and 2 AP (arrangement to pay). other creditors on the dmp are showing as settled or up to date?(dont know why).…
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On DMP & still being taken to court - Scotland
Hi everyone, Would be grateful for any advice. I have debts totalling just under £30k. The main one is an unsecured personal loan with Nationwide which is £23k. I have been on a DMP with stepchange since Feb 2013 and am paying them £283 a month. The loan gets £173 of this and the rest is shared between my other 4…
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Wakeup call !!
hi everyone - I've been reading the forums for a while and have realised that I am not alone. I have built up over £30k in credit card debts over the past few years by overspending and bad use of 0% balance transferring. I am now coming to the limit of my credit and need to do something pretty sharpish. I would like to…
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Default on mortgage
7 years ago I let my mortgage provider take back my house as I could not afford to keep up my mortgage payments and I moved into rented accommodation where I have been ever since. I had one mortgage statement from them in the first year but no demand for payment so they have my new address and I have heard nothing since.…
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Life after DMP, not as easy as i thought....
Hi All I started my CCCS DMP back in 2006/7 after running up 30k+ in debt I couldn't afford. I managed to pay it all back finishing last year and was one of my most proud moments. However now i'm completely debt free, have built up a little savings for a deposit on a house and have worked my way up the ladder at work to be…
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Long story, lots of debt. Got to fix it...
Hi All, This has been and still is spiraling out of control and I was wondering if I can ask here for a little bit of advice. When I left university I had a shortfall on the rent of around £600, they took this from my bank via direct debit and amazingly it went through even though I was pushing the limit already, it took…
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mortgage after debt???
Hey We are going to move house as soon as our debt is cleared ( end of 2015) but I am a bit worried about applying for a new mortgage for the following reasons.... My credit rating was hammered when I applied for several o% cards - I didn't realise that every application left a negative mark on my report!!! I have stopped…
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good evening lovely dfw's..:-)
Hello everyone. So tonight I'm wondering how everyone stops obsessing. You are on the path to being debt free, monthly payments in place creditors at bay etc, how do you stop thinking about the debt all day every day, I feel like it consumes my every waking thought. I need to figure out how to put things in perspective and…
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Please HELP!!!
Hi everybody, Well I don't know where to start really - I feel so trapped right now!! Our debts have slowly built up and I now feel that although all payments are being made (a few missed payments due to changing DD details - my fault) that it is only a matter of time before things get out of control. It has now got to a…
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Am I doing the right thing?
Hi guys, I've just joined after reading these threads for a little while and basically need a little bit of advice and reassurance. I'm a 29 year old female and currently have a mortgage of £88,000. I'm single and don't have anyone to share the bills with. I have a loan of just under £1000 and 2 credit cards with £7500 on.…
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please please help me...
I don't really know where to start and am heartbroken as trying so hard to help ourselves... We have a nationwide overdraft it was at 1350 and we never seemed to get out of over last 18 months so never in credit as such. Our income has dropped for various reasons but we are committed to clearing this and credit card. We…
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Advice needed
Hi I am new to the forum, and feeling very stressed at the moment. I am on a DMP and I have been paying £132 per month to Lloyds since January this year. Lloyds have been adding £120 interest per month leaving only £12 paid of the debt. I phoned collections this week to ask if they could stop the interest and the man said…
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Previous property rent arrears
Hi all, I've had a letter from a previous housing association I used to rent from to say they want just under 2300 for rent arrears within the next 2 weeks. I don't have this kind of money available what do I do? Xxx
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Settlement offers on DMP - partial settlement?
I sent off full and final settlement offers regarding credit card balances to Halifax, Moorgate, Lloyds and Barclaycard last week. I have been on a DMP through Step Change since end of 2009. have approximately 6 years left. I owe £11,000 and could raise £2500 (22%) lump some to make offers. The settlement offers (which all…
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Credit Card paid off (finally) should I cancel?
Hello everyone, A little bit of info before I post my question. My goal is to get a mortgage within the next 12 months so I'm hoping everything I do will have a positive impact on my credit rating: In the last 3 years I have gone from 3 x credit cards (all maxed out) 1 x HP for a car 1 x loan 1 x large overdraft 1 x…
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Sat 5th April/Sun 6th April - 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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CCj help...
Help... I have got to go to a CCj hearing tomorrow, I filled in the form as I'm on dla and no one is currently working in my household, I received a letter back saying I have a hearing on Monday re my financial situation. The debt is from an old credit union at my previous employment, what can I expect tomorrow? Panicking…
