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Drydensfairfax solicitors
Has anyone got any experience of dealing with this company I have received a letter from them today regarding a capital one debt that was passed to Arrow Global Guernsey ltd. I went through a stage of burying my head in the sand but i'm now paying off all my debts by monthly installments. I was not including this one in my…
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6k in debt and just no hope
Hi, I'll try and keep this as short and sweet as i can. I guess it all started when i was 18 i had a decent paying job at the time was only paying my mum £30 quid a week and spending the rest of my money going out enjoying myself etc. i had a few catalogues and mobile phonecontracts and was managing them quite well then a…
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Friday 4th 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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Bailiffs banned from using aggressive enforcement tactics
http://www.bbc.co.uk/news/uk-26876432 Sweeping changes to the way bailiffs can enforce the repayment of debts come into force on Sunday. The new laws include a ban on bailiffs entering homes at night and from using physical force against debtors. Bailiffs will also be prevented from entering properties when only children…
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What a difference a year makes
Feeling quite proud of my achievements still a way to go but still focussed expecting baby number 4 in 4 weeks and have everything in place to still make additional payments to my debts. Hope you are all doing well!
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Can I refuse new bank charges??
Hi all, I have today received a letter from my bank informing me that they are changing the way they charge for overdrafts. I've had my light bulb moment and have been sorting out my debts since then, the overdraft included. However, these new charges mean that I am going to be charged over double the interest I was being…
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now I have a plan.
My last thread was taken down by the team as it contained a lot of comments from others that were too personal and out of order. For now I would just like to say a huge thankyou to those that commented with constructive thoughts and gave me great advice and most importantly were non- judgemental. For the record, yes I have…
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Starting Over
Hi, I've been following this board for years but rarely posted, so be gentle with me! We recently paid off our debts with some money we were left. Now, for the first time in our adult lives, my husband and I have only a mortgage as a debt. We were over the moon after scrimping and juggling for so long. What I feel…
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First real steps made today....
Well,been here a long 'ol time and just taken my first big steps to sort my financial mess out. Totalled everything out last weekend and it was a whopping huuuuge 9k..I might have MSE's first unsolvable debt issue! Been in touch with StepChange who have been superb,downloaded my Remedy pack,filled in and printed letter of…
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Wow, gobsmacked at 2014 protocol!!!
Ok, so i know this is the DMP forum but as lots of people on dmp consider IVA's, i am posting this here aswell as the iva board. I recently received my IVA draft to go through and had an appointment today to ask any questions. The protocol states: 'Remortgage includes other secured lending such as a secured loan' My…
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Looking for advice on getting rid of my debt
Hi all, Well a little bit about me first of all, I'm Ash, 29 and work in the dental industry. Long story short I got into a very very bad way with debt 10 years ago or so which lasted a good few years. It all started with a call from Liverpool Victoria who said "Hi, would you like £9,000". Being a 19 year old who'd just…
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Debt management plan help!?
I am going to explain in the most simple way that I can and hopefully somebody has some advice :-) I went onto a debt management plan about 6 months ago after catalogue and payday loan interest charges spiralled out of control due to me making payments late :-/ I went with a company who charge a fee of £35 per month and I…
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On dmp 30% settlement declined by creditors. What to offer now?
My creditors 9 in total have declined my recent offer of 30% settlement. They have come back with figures off 20-25% off. Where do I go from here? Is it a bargaining game am I likely to move them? What should I do now ignore there 20% n offer a 40% settlement?
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Sell the house start afresh?
Partner is in around £12,000 worth of debt including £4000 with the tax man (he is self employed). These are debts from when he was footloose and fancy free. We had a financial advisor tell us that we would not be able to get any equity loans or other loans for that matter due to his books being very low for the past 3…
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Default Showing On Equifax?
So I've just got my free statutory credit report from Equifax & there is an entry on there that I'd like some advice about... It is showing as a bank default for Fairmille Ltd LLP (long story but I know that Fairmille are not trading any longer). I had an enquiry regarding this debt from Rockwell DCA on behalf of Fairmille…
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debt free
i have a few debts, appx 900 from argos and a few hundred more from other things, i have poor credit score and an income of 10,000 pa, whats my best option to clear my debts, i was thinking along the lines of credit card no/low apr for 24 months, any help??
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2 x late monthly payments. Does this make me a bad person?!?
Guys, I have just purchased the all singing and dancing Equifax credit report including my credit score. My credit score is a poor 359, this is low because from September 2013 I did not make the full minimum repayments on my CC for two consecutive months due to crap personal circumstances. How long will this misdemeanour…
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Landlady from hell
Hello everyone, I'm living in student halls(privately owned) and I owe them £120 for rent. I cannot afford to pay it until the end of this month when I get my loan, at which time I will pay for it no problem. However the landlady is insistent on me paying it before I get my loan. Why, I don't know. She is constantly…
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reduce credit card repayments until DAS/DMP
As above been to see citizens advice today..... cant see a DAS adviser until may(first available appointment).the cab guy phone the credit card companies just now and say you cant afford the payment this month and ask if they will reduce it ,i.e say i was off sick or something and they will reduce it "will they really do…
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Rainy Day Fund???
Hi all, I'm sure this has probably been answered a million times before, but I would really appreciate your opinions on this train of thought. I'm currently receiving a daily email from YNAB (You Need a Budget) on their 9 day short course an introduction to budgeting. Today (day 8) the email consisted of a system of living…
