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Newbie, loan documents
Hi guys, Newbie here trying to finally sort my life out after a failed marriage. I remember sometime ago some letter templates on here, can;t find them now. The story is, I know you can request documentation of a loan from the existing company, and they had a time frame to provide evidence of debt. Need to know if thats…
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1st reply!
Hi everyone I have just received my first reply from MBNA and am shocked to see that they seem helpful rather than hostile. They have restricted the account and told me to destroy the card (already done!!) They have sent me a income and expenditure form to fill in. As I have been using the NEDCAB templates should I fill…
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Why am I such an idiot.
Seriously - how many lightbulb moments does one person need?! I have had several now! I keep making the same mistakes over and over again. When will I learn! Why can't I stick to a budget? Why do I get paid and go woohoo I'm rich I can buy shiz...then a week later realise I have nothing left to pay direct debits. I knew my…
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CCJ paid off in chunks??
Hello :wave: Wonder if anyone can help with this. I recently set up an account with Noddle to sort out my finances (I have a couple of CC's and OD's from my irresponsible Uni days) and really want to get them paid off. I discovered that I actually have an active CCJ from back in 2008 which I had no idea I had! I have…
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Pay Extra Towards Mortgage Or Loan?
In comfortable, full-time secure employment. Wage per month after tax is just over £1,500. Due a pay rise of £80 per month (after tax) every year over the next five years beginning in August as I move up the salary scale. So within five years it'll be just over £1,900. Also do some self-employed work, which brings in on…
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Rossendales Collect chasing me - not my debt
Hi Unsure where to post this. I've had Rossendales Collect chase me for a debt from 14 years ago, which is not my debt. I had also had this from Arrow Global and told them the same thing. I have repeatedly sent Rossendales letters telling them its not my debt and asked for proof from them as i dispute it. They have said…
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Tuesday 22nd 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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Single and on DMP - how do you cope?
Hello, I've been lurking for a while but have decided to post. I'm sorry if this is in the wrong place. I'm currently on a DMP and that's going ok, although it'll take a few more years to clear my debts. The thing I find the hardest is pressure from friends and having a limited social life. I know it's my fault I got into…
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Breaking the Wonga cycle.... help please
So considering I'm posting this at 3:30am you can probably guess i don't sleep much because of all this mess. To give you a quick background about 8 years ago i knackered myself up credit wise and have spent years paying it all off and finally have no "red marks" on my credit file and slowly started to rebuild my credit…
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How much can the court make me pay Monthly? judgement stage? -[National Debtline ??]
is the user National Debtline about to have a go at this ? - aswell as other users. Thanks If many months has gone on, and no payment has been done for a credit card debt, (6+ months gone) - and eventually it goes to court for a judgement- where they eventually do the process of the court coming up with a monthly payment…
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Unknown CCJ
Hello, I recently married and decided to buy a home with my new wife. I started with a free check of our credit history via 'Noddle'. My wife's 'Noddle' account shows that she has an active CCJ from January 2009. My wife didn't know she had a CCJ. The 'Noddle' account doesn't tell us what is for. Due to the timing and the…
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Fresh start... New DFW!
Today was a fresh start for me, it was the first day in a long time that I haven't stressed about the amount of debt that I have stupidly amassed. Firstly I've set up a new bank account and have contacted Stepchange to arrange a DMP, so even though I know it's going to be a hard slog, I am confident that I will pay back…
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CCJ Claim against me stayed?
Hi, I got a CCJ letter through last month related to a CC debt I had in 2008. I submitted my response and I claimed that the debt was statue bared as no acknowledgement of the debt or payment has been made in the last 6 years. I got a letter back from the court acknowledging my response and it says the claimant has 28 days…
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Lowell + BW Legal advice please??
Hi I am new to this and haven't got a clue what i am doing. I could really do with some advice as i have received a N180 form, from Northampton bulk center last Thursday, and i am not too sure how too reply to it. To cut a long story short i previously received a N1 form stating i Lowell had request a CCJ against me for a…
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Paying off £12,000
Hi I'm new to this site so am hoping to find some motivation! I have 12k worth of debts between a personal loan, three overdrafts and a credit card. I have decided to become a minimalist, being in that frame of mind actually stops me spending and wanting material goods. I have pretty much given up any form of alcohol,…
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DMP and F&F settlement
Hypothetical question as I am not in any position to do this at the moment, but if I were to have a lump sum to put forward for full and final offers, do I have to do this through my DMP provider or can I approach the companies myself? If the latter is acceptable and my offers are accepted, would I just have to contact my…
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Debt- Shielding yourself from the Courts/Baliffs? would a token payment do ?
If there is a credit card debt, and then no payments have been made for 3+ months, collection agencies letters + calls came. then 4 more months (in the future) the worse case scenario is they can go through court to do a CCJ correct? and bailiffs come to try to possess things? 3 months = No payment made, Letters come from…
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Coming to the end of a DMP-what next?
Hi everyone I'm coming (hopefully!) to the end of a 4 year DMP. Officially, the last payment is next month but there is a substantial difference between Payplan's balance and some of our creditors. I think this is approx 4 more months worth of payments. I appreciate this doesn't seem long to some but after 4 years we are…
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Monday 21st 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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benefits and dfw
Hi Is it ok to be on here as a dfw when most of my income is benefit based? I am disabled and my partner ia my carer. I work self employed but dont have a great deal coming in atm. Is this ok?
