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17 year old debt rearing its ugly head.
Hi all, newbie here. I received a phone call tonight from Portfolio Recovery Associates, said that they needed to speak to me regarding a personal matter. He told me that they have bought a debt from a credit acceptance company. I denied all knowledge and asked him when this was from. He said it was when I bought a Ford…
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Husband won't forgive
We are wobbling on the edge of separation. Long story short. I have spent irresponsibly but added in to this was postnatal depression and citalopram, which I swear made me not worry about the consequences. The money I spent was on living beyond my means. I never hid it from him. He knew I was a spender, I had debt, was…
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DMPs
I've registered with StepChange to consolidate my debts (approx £5k) and have received the paperwork etc. But, honestly I've been avoiding the whole situation until now and my debts have been passed on to various other companies - I can't actually figure out what is what! I am ready to sort this out now and begin paying…
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CCS voice text
In the last week we have had a couple of voice txt's on our Home phone from CCS . Sounds like Asking for a Mr Weasel?? quoting a ref 1 million ****. Our surname starts with a W but is nothing like the name they are using. They ask to ring them back on a 0870 number. Also it is very difficult to understand the message…
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changeing a DMP
my partner has had a DMP for the last 2 yrs. at the start the debt was a round 16k split over 2 credit cards. the company he uses charge him £30 a month in fees. after recent media coverage regarding the fees charged by the companies he is keen to change to a company that can arrange a new DMP without the fees. can this be…
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Ex ran up debts on catalogue accounts that were in my name
Hi everyone Hope you're keeping well. First time I've posted anything on here. I wondered whether anyone can give me any help or advice... To cut a long story short, my ex-partner ran up debts (just shy of £10k) with two catalogue accounts that were in my name. She stopped making monthly repayments for the things she'd…
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Home business finance question
Afternoon all, I have a question that is causing a major problem for my partner and I. My partner runs a business breeding dogs. She has done this before I met her. She used to home thedogs off site and rented a small holding to do this. We decided to move in together about 18 months ago. We rented a property that meant…
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What books do you use?
Hi I am trying to find the title a book, ive seen it mentioned a few times on here, but cant find it when i want to. it talks about having an emergency fund? its not a martin lewis book i have those, but i think it is american? if anyone can help, or knows of any great books to help manage debt, or to be thrify let me know…
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RMA resolve phoning me for up to date financial details is this allowed
i have a catalogue debt littlewoods /very i have been paying RMA resolve since they bought the debt from littlewoods about 16 months ago Today i get a call on my landline from them wanting me to give them details of my finacial affiars ..income and expenditure over the phone right there and then.....i told them they should…
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Need to get back on the wagon!!
Bills going out with it being first of the month. Logged onto my bank account and realised that we have grossly over spent for the month. So now my food budget for 2 adults n 2 kids is £60 for 16 days. I know it can be done but I need a little assistance please? ?? Also I have changed gas n electric suppliers and we are in…
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Debt Advice
Too scared
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Just found I had a CCJ in 2008
Dear all, Thanks to this forum, last month I became debt free and in good credit file standing after 6 years, or so I thought... I have had a couple of defaults drop off my Experian report as statute barred. I thought I was ready to start building up my credit score in prep for a mortgage. However, I signed up to Equifax…
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Tuesday 1st 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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Overpay on credit cards or mortgage
HI there Just a thought. I have £30000 on loans and credit cards, £80000 on a mortgage. After LBM, we can probably overpay by £400 per month. About half the cc is 0%. Is it best to overpay cc or mortgage?
