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Court Interest Charges
Hiya all, My friend has a debt of £5000 to an individual ( a very long story ) Anyway it went to court in 2012 and because of circumstances this has not been paid In Jan 2014 he received correspondence from the individual asking for the £5000 for which she agreed to do by the end of March which was agreed - via email…
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Debt? DEBT? DEBT?! How much?
Hello, I wonder if you could help me. I have a LOT of debt. Mostly I can't even remember who I ow too. Is there a way to find out every bit of debt I have? Thanks
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Coming out of debt
Hi All - I wondered if you could answer a query? I have just under £2k left on my step change plan and I've just been left a little money in a will. This will cover the entire amount so I'll be able to finally be debt free! my question is, is it worth contacting each company directly (7 in total) and asking them for a…
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Bank of Scotland question
Not sure if I'm posting in the right place, apologies if I'm not. I just wondered if anyone knew if the bank of scotland was one of those banks that let you pay in money (and not charge) on the day a direct debit went out. I messed up a deposit in my bank other account so am unable to transfer the money over to the BOS…
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I see a glimmer of light ...
Oh my goodness, just wanted to say how amazing this site is. I am not a regular poster and have been on and off the site since 2008 but finally the S has hit the F and I needed to get a grip. In desperation I came back on as a regular two and a half weeks ago and this has been enough to kick-start me into action, stop the…
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How best can I pay off my debts with the money I have?
Hi All, I'm just looking for someone in the know to help me figure out some repayments. I have a 7500 Loan with First Direct paying £224 PCM, I have 29 months left on a 36 month term APR is 5.1% I have a Sainsbury's MasterCard with £2200 sat on it @ 7.8% life of the balance. I have a barclaycard @ 10.9% with 800 sat on it,…
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Churchwood Finance
Hi, So I was looking for a way out and churchwood offered me a plan! Th need of the month will be the 1st time that I am paying them but they have the worst communication and I would like to cancel. In the terms and conditions it says I can cancel but itl take 2 weeks n my creditors would have taken money in that time?…
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Do DMP Companies contact Creditors or the Collection agency ??
Will the DMP company, contact the 'original creditors? or the Debt collection agencies? Most debts have been passed on to Debt collection agencies, as Many months have gone by: Eg, Creditors = Rbs Santander LLyds TSB Halifax But their Equivalent Debt Collection agencies are: Westcot, Harley Legal Pjcds Morgan stanley So,…
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Choosing a DMP Preferred to IVA? why though ?
What are the main reasons, that a person in debt (credit card + loans) who has no property to own.. -why would choose/prefer to be in a DMP, compared to an IVA? Even though both the DMP + IVA projections might come up with the same monthly rate ? what are some reasons, that a DMP would be preferred to a IVA, even though…
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23 years old with £1,600 debt. Wages going down. Help.
I'll keep this short. Basically my hours at work have been basically halved this year which obviously means I'm earning half the I was last year. I'm on a £7 an hour retail job. I have £800 on a catalogue that's coming in at around £45 per month for my bill. I'm also living off my overdraft which is £800 and as good as…
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What to clear first?
Just after some advice? Iv got 2 defaults at the moment one for £153 from Virgin media and another from Halifax for £2200 I also have a CCJ from unpaid uni fees which were supposed to be paid by SLC who withdrew their funding after I'd left uni so I'm stuck with this! Iv just got a full time job so would like to clear my…
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Back on the wagon!
After being stuck on the benefit trap for a few years iv landed myself a decent job on around £18000 a year. Iv just got my credit expert trial and I am quite surprised so looking for some advice! A little about myself: I'm 27 single mum of 3 young children 3 and under! I now work full time 5 days a week child are is all…
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Finance Express?? Who is this likely to be??
I may be back for more advice .... If and when my brother actually asks me for help...! In the meantime...I'm just trying to get a bit prepped by finding out what I can first... 82yr old Mum just off the phone to me in a panic saying she has had several calls for my 59 yr old brother from this co. He lives at home,…
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Taking out a credit card while on a DMP
Hi everyone, Myself and my husband have a DMP with Payplan and have been paying it for the last year and a half. Apart from a few initial glitches, it has been going very well. We have just had an annual review and managed to increase our monthly payment but at our current rate it will still take us about 4 years to clear…
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Sat 26th April/Sun 27th 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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Saturday/Sunday 26th/27th 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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DMP review advice
Hi everyone, This is my first post on these forums but I have spent the last couple of years reading your posts and it's given me lots of encouragement knowing that there are so many other people out there in a similar position to myself facing up to their debts, so thank you all for that. I started a DMP with PayPlan in…
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Advice about creditors and DMPs
Hi there I'm new to this and would like some advice. Over the past 5 years I have built up a debt of about £42k and now have started to look at entering a DMP with step change. My worries are about my creditors. I have a personal loan with nationwide of about £14000. Does any one have any experience on them and how they…
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final offer! what offer did you put in to clear debt!
Hi everyone! Would first of all just like to say how much this site has really motivated me! And i do know that if it wasnt for reading everybodies experiences i would still have my head stuck in the sand just ignoring my debts and hoping they would dissapear! The question i would like to know is how you all got on with…
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Advice about creditors and DMPs
Hi there I'm new to this and would like some advice. Over the past 5 years I have built up a debt of about £42k and now have started to look at entering a DMP with step change. My worries are about my creditors. I have a personal loan with nationwide of about £14000. Does any one have any experience on them and how they…
