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Late Payment
Hi everyone, I have a studio account which I have been paying monthly. Stupidly last month I missed the payment date but realised then paid as quick as I could. I looked on Noddle today & there's a late payment in red. Is this as bad as I'm thinking it is, I have been making overpayments to Studio since Jan so I'm really…
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Is a self managed DMP the answer?
Hello All, I am just looking for a bit of advice and a few pointers on what is the best route to take. I started a DMP with Stepchange early last year and during this time i missed two payments, i was advised if i missed another they would cancel my plan with them which is totally understandable. Last month i needed some…
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Defaults? Can't pay or do an IVA? Help advice pls
Hi everyone, Looking for some advice please. I was left by my ex husband with massive debts, he's gone bankrupt so I'm stuck with em. 3 years ago I was in a terrible place, Id lost my home, job & husband & was pregnant, I got a new job but was bullied for being pregnant. I was at rock bottom & being medicated just to drag…
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break up mess :(
ok im the bad guy in all this, i have a gambling problem and have racked up 13k worth of debt due to gambling and making wrong money decisions. ive just come clean to the misses about this latest debt of course this aint the first time ive dropped this bomb shell and shes forgave me every time, each time ive promised i…
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Please help me reduce my outgoings
Hi Can anyone help? I need to reduce this SOA so I can try to save £7500 for the cost of my car. It is due to run out of the payment I make in June 2015 and I will owe £7500 at that point. I want to try to make inroads into this amount while I have over 12 months until I hit this point. I can't get rid of the car because…
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Don't know where to start...
I have a mountain of debt and I can't manage my finances!! I don't know where to start on getting everything in order/under control. Once again I am living in borrowed money because I spent all my wages too quickly. I went to the bank to try and get a loan to consolidate my debts and although I could easily manage the…
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Defaults?
Hi there Ive been on a DMP with step change for coming up to 2 years. I have 6 debts, with 4 different companies. Ive checked my record on noddle, and MB*A defaulted me a year ago, my Ll*yds loan defaulted two months ago, and the others are all showing up to date, I assume because Im making the regular payments agreed. I…
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government legislation
Hi, I sometimes receive emails about government legislation that can reduce my debt by 70%. Is there any truth too it...??
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A few newbie questions regarding DPP
Good Morning, This morning I finally realised I had to tackle my PDL debts, after months of going in a constant circle I decided to go on to the StepChange website (many thanks to the numerous links on here) and fill out there advice sheet. It advised that I should start a DPP with themselves, what they have suggested I…
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SAT & SUN 19th -20th 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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Debt Collectors Gone Very Quiet
Good or a bad thing? After nearly 3 years of not being in a position to pay any of my debts off, all of a sudden the debt collectors have gone quiet. Even Motor Mile Finance who used to send me an email regularly to tell me Mike was coming round to visit. Nothing, nadda. Does this mean they have all realised that nobody is…
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DWP and now debt agency harrasing over staturred barred debt
Hi Can someone sort of guide me in the right direction please . I been asppoached by DWP for a debt of 300 pounds which they say is owed by me for a crisis Social fund loan I took over 20 year ago . now I can't rememember Taking This out . I wrote to DWP and asking to provide evidence as I have no account of this and to…
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rebuilding my credit/ getting a mortgage advice needed
so Starting from the top. 8 years ago i was 19, working full time, living with parents and 'living the dream', i didn't have any savings, i spent as i earnt, had a personal loan to buy a fancy sports car. blah blah This was fine for for a year or so, but for some reason i decided to better myself and go to university, i…
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Feeling Much Better
Hi, I could not post to my previous thread as it was closed. So, decided to create a new thread. I would like to thank all the forum members who helped me with suggestions, thoughts and tips related to my debit. As of this month I feel, I am debt free. Below is my previous and current status. Status as of December 2010:…
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What to pay next??
Hi Have been lurking around here for a while, and trying hard to repay my debts since October, have managed about £5k so far. Aiming to be debt free in 2years so we may have a chance of re-mortgaging and buying our home. Finally have all my credit card debt on 0% until next year at some point. I also still have a loan with…
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sleepless due to old debts
Hi all I am worried. I have accumulated various debts which I have been unable to repay (lots of debt accumulated by my now ex-husband, but I will save you the sob story). We made a break to another country. While we were abroad I tried making repayment plans for some of the debts, the ones I was being hassled for, but…
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Shaving £££'s off bills...it all helps!
New to the forum, am a single parent of two who is struggling to juggle all the balls, work, home, bills etc etc. I've just took a total head out of the sand look at my finances and have woken up and taken stock. I am in debt to the tune of £7000, three credit cards and one store card. However I've taken note of the…
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Going on holiday when you're a DFW?
Hi all Just wondered how many of you factor in a holiday to your budgets whilst paying off debts? Some may disagree but we have agreed to include this in our budget on the following conditions- A) it doesn't add to our debts B) it doesn't affect our debt repayments I'd be interested to know if others still plan a holiday…
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Urgent- Received debt collection letter
Hi, Urgent Help is needed please!!!! I've received a letter from a debt collection agency today （17.7.14）regarding an outstanding bill (please see details below) and was told that I have to pay the bill within the next few days in full otherwise there will be additional charges being added. I really do not know what…
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transferring an overdraft to a loan?
Hi all, Wondering if anyone has any advice. I currently hold a bank account with HSBC which is a graduate account (2 years in). I have an overdraft of 2000, which I am always in. I have learned that unless I have a lotto win, this will never be paid off completely. I am thinking about asking them to reduce it to 1000, and…
