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Standing in front of a mountain
Looking at some of your inspirational stories on here I need to face up to my debts once and for all. I have been trying for years to stop spending :mad: and pay off debt. This has resulted in many attempts at consolidation (didn't stop me I'm afraid :o ) There was a time not so long ago where financial institutions were…
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Littlewoods debt problem.
(APOLOGIES IF THIS THREAD IS IN THE WRONG SECTION) Hello, I'm new to these forums and currently looking for some advice regarding a debt I have with littlewoods. I purchased an xbox one from Littlewoods on the buy now pay 12 months later scheme. After three months of having the xbox I started to receive emails from…
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Friday 18th 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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Payday loan Has the time to complain run out?
Can anyone give me some advice please. Have been sorting out repayments on eight payday loans since May 2012. The only one that wouldnt agree was WageDay Advance who I tried constantly with until July 2012 to agree a repayment plan. In July 2012 they transferred the account to Motormile Finance and escalated the amount due…
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Best way to pay off an overdraft?
I've been completely debt free for almost a month :T and I have worked hard on paying off my own debts and clearing the overdraft of mine and my DHs joint account. I have also set up several savings accounts too and am managing really well. DH has two 0% balance transfer cards which he is paying off but he also has a…
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Which to clear?
I expect the answer to this is fairly obvious but for some reason it doesn't feel comfortable?!? I have done some consultancy work which gives me enough to clear part of my last debt. I have £1700 on an interest free card (until end of year) and a loan of £5k. I have two options (assuming I use all the money to repay debts…
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Possible statute barred debt
My husband had a car on finance, taken out in 2002, the car was returned voluntarily in 2003 to be sold by the finance company. The shortfall was approximately £1500 apparently but we never received any paperwork to confirm this despite asking them repeatedly. We paid about £15/£20 a month for a few years, which I think…
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strange request from dca
hiya hope some one can help, i have recieved a letter from dlc collections today, they want me to give permission to to talk about my account with a third party, they dont say who or why just want me to fill in name address and signiture, dlc have been collecting on behalf of mbna for a while now with no issues..maybe a…
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Student Loans Company Threats
The Student Loans Company has until now collected repayments for my loan through HMRC. I have recently quit my job and have no income and plan to go abroad. SLC have likely been aware of my lack of income since I received my P45, but now I've told them I'm going abroad they want me to prove I have enough money to support…
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Help needed Paid CCJ But still being chased for money
Hi, Back in 2009 I had a credit card debt for £2500. This was sent to a collection agency who then instructed a solicitor. After communication broke down between us they obtained a CCJ against me. I received my forms from the courts and was told that I had to pay £300 which I did straight away. The solicitors informed me…
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Advice on dealing with calls please
I guess it always going to happen but got home to 3 missed calls from Barclays. I have only just submitted a temporary payment arrangement offer and budget sheet after advice from StepChange. The only other shark circling is MBNA/Virgin and I suspect they'll be ready to attack soon. Letters I can deal with. It's the…
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How to find out who issued the CCJ
Hi, I'm trying to help a friend clear his debt. One is a CCJ for £1700. I emailed Brentford court regarding this and today he got a response in the post. They've given him a copy of the original CCJ from 2008 but it doesn't mention which company the debt is for. Is this normal? I've sent another email querying this but the…
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Looking for advice for my Mum please... (Good old BF getting her in debt!).
Hello, As you will see from my badge I am a graduate of this part of the forum (:j:beer:) but I am after some advice for my Mum. Basically my Mum, in her 50s, unemployed on employment support allowance and in the process of going through an application for personal independence payment (think that is what it is called?) is…
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Question about DCAs and chasing debt after many years
Hi All I previously (10+ years ago) was in a bad financial state and got myself into debt when I was young. Long story short, I settled all (but one was "satisfied") the debt after a number of defaults and my final default dropped off my report about 2 months ago. My question is about the random DCA calls that I get every…
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NRAM mortgage shortfall/decree
Hi All Firstly want to thank everyone on this board for all the advise and guidance. After checking CCA's and dates for last contact etc I am now Statute Barred/No CCA on most of my debts. Only 2 remain which I need to bat out now, and these are with NRAM. I had the Together Mortgage and my house got reposed with a…
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Pay debts or mortgage ?
Hi everyone, Here is the situation : I should be in receipt of around £65000 in a few months time.However,I owe £183000 on my interest only mortgage with 12 years left to pay.I also have a DMP with around £36000 left paying £315.00 a month and a car loan with around £4000 left paying £225.00 a month. My son wants to pay…
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Making a full and final settlement ?
Hi there I am hoping to make a full on final settlement on some old credit card debts I defaulted on whilst going through a bad period with divorce, legal bills etc. I would like to move house and take out a mortgage much smaller than the one I have now and also pay my ex husband his charge on the property which thankfully…
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my LBM
Hi everyone. I am a frequent visitor to MSE and enjoy reading all the tips etc all over the forum, however I have got myself in a bit of a pickle and wondered if any of you kind people could possibly help please? My debt comes mainly from being young and silly thinking that it would disappear if I buried my head in the…
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Disagreeing over debt!!!!
I stupidly got into a discussion with a colleague over debt. One of the few people who know about my 30K debt! This person commented that my debts were 'awful' and that she would hate to be in that much debt. She then said that she and her husband owed around 15K combined. I know that their joint income is around the 25K…
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Thursday 17th April - What small DFW things are you doing 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…
