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Newbie with my SOA...
Hi everyone :wave: I'm new to this, so please be kind! I was advised to post a SOA here on my other thread in the Marriage, Families & Relationships board :) My current circumstances are: I owe my OH £900 for "moving costs" (rent in advance, admin fees, cost of items needed for flat etc). I also owe him £200 for a V…
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Need dedicated addresses for sending token payments to please
Just wondering if anyone has on file dedicated addresses for sending token payments to for Virgin credit card & Barclays Bank accounts please? Or should I just basically send them to the main statement address? Thanks as usual
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Wescott
Hi I have a t mobile debt that was handed to we to. I've set up an arrangement of £50 a month to clear the debt. I get monthly statements from t mobile telling me how much I've got left to pay and this is quite a bit different from the original total from we to. I know Wescot add charges on. Do I have to pay these charges…
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I really need some debt advice re proposed repayment
Hi Guys My partner and I have combined debts of approx £82,500. This is all on credit cards, loans and overdrafts. Nothing is secured apart from the mortgage. Before the credit crunch I had a very high paying job which I have unfortunately been made redundant from due to the economic climate. I was only the job a few years…
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Council refusing to accept my offer to pay arrears in full
I have recently been chased for an outstanding council tax bill from ten years ago that I thought had been paid. I have been checking that I am responsible for the debt and discovered that I am as I lived there at the time. The Council have referred this debt to the bailiff, Rundles, who have been sending me a letter per…
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Another bryan carter Lowell thread
Hey there im after some opinions... seeing as this forum is so full of stories about Bryan carter solicitors!!. About 4 weeks ago. I received out of the blue... A Court Claim form for an outstanding debt of £450.. This debt was defaulted June 2007.. I spoke to Bryan Carters... to discuss settlement..as far as I was aware I…
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Hi guys, Just in need of some reassurance maybe?
Hi everyone, First time posting here, Have viewed many times but seen as our situation is not so perfect financially anymore then i think i'll be on here for some time to come Story starts really from some time ago when i had no commitments, only the car and a few other things but nothing too major that i could afford no…
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Transferring Debt Help
Hello, I am posting on behalf of a family member. Not sure if this is in the right place, please bear with me and I hope this makes sense! This is the situation she currently has a £3300 credit card debt which has interest being charged at 24.9%. This person's son has taken a credit card with Nationwide and was going to…
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At Breaking Point - Why wont he grow up and stop spending?!
Writing this in tears...the last few years have finally caught up on me. Always had an impeccable credit score and been a super saver, then I met the man who is now my husband...! When we met he admitted he had been bad with money in the past, and was back on his feet. Paying off the debt he owed and rebuilding his credit…
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How much do I owe?
I have buried my head in the sand regarding my debts for several years but am now in a position to clear them. The only issue I have is I don't know how much I owe or who to. What's the best way of finding this out?
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Ross and Roberts...
Ive been making steady payments of £100 a month to pay off a council tax bill from the previous year of £600. I missed a payment in december they added some visitor fees but it didnt go up by much. In the same month i asked to have something in writing to show how much i have paid and how much is remaining. They didnt send…
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ready to roll. what credit file needs updating??
Just finished sorting out my SOA with stepchange and it appears that I have approx. £800 to throw at me debts each month. they have suggested that I can snowball some of the smaller ones away so that I can then throw larger amounts at the larger ones. hopefull this will work. I determined to get the debt gone in 3 years…
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Lowell Financial - help needed
Hi My daughter has been contacted by Lowell over old debts when she got divorced (£11,000). She has decided to pay up via direct debit of £125/month so that she will be able to get a mortgage in the future. Is it worth contacting these people and asking for a settlement amount. Do you think they would be willing to take…
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Stepchange/Payplan for DMP - Do they require Income from Benefits per months? or week
When using Stepchange or Payplan for a DMP, and they require income and expenditure, then if the income is from benefits, (which comes every 2 weeks,) do they require this as a monthly income figure? or the 2 weekly figure? Note- the 2 weekly figure x 2 = amount X but the if 2 weekly amount x 26 (weeks) = Y Y/12 = the…
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Dreaded DMP review time
Some unbiased advice/support please. I've been on a DMP through CCCS/Step Change for 10 years now. At the start we were filled with hope, we thought we would both find work quickly and get back to making "normal" repayments. However, its not worked out like that. It started when we were both made redundant in the same…
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Starting debt free journey - need advise
HI all I am starting my debt free journey. At the minute i have £20k in unsecured debts and a house which has been voluntarily repossessed with negative equity of approx £70,000. I am trying to arrange a Debt Management plan and have been in contact originally with Payplan and then have tried to organise with creditors…
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Close credit accounts?
Hi Everyone, I am luck to have had the chance to consolidate my debt onto 2 credit cards, one at 6% interest and the other at 0% interest for 12 months, however I would like a bit of advise regarding the credit accounts that I have cleared, there are 2 online catalogues (choice with a credit limit of £10,00 and Very with a…
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New here
Hi-I am new to this board but have followed it for a long time and some of the advice and stories have been really helpful. I had my lightbulb moment about 5 years ago and started a DMP with CCCS. I was told that I would be debt free by 2020 (!!) but the DMP has been fantastic in that it froze all interest charges.…
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DCA contacting employer
Hi, I have a friend who is being hounded by CapQuest. They continue to contact him at work they have contacted his neighbours, i myself have been contacted with regard to his whereabouts. He recently changed address and the only person who he has changed his address with at this point is his employer. Is it legal for his…
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Wednesday 2nd 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…
