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DMP set up but just served with a default notice
Hello! I set up a DMP a few months ago with Stepchange. Haven't missed any payments, and I thought all was well, until today HSBC suddenly sends me a default notice for the credit card and demanded payment of an overdue £674 by the end of the month! As soon as the DMP was set up HSBC had stopped calling me every day, so I…
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What/if to offer ccj?
Hope someone can help! In 2010 I went back to uni for the 3rd time and applied for tuition fee loan and maintenance loan/grant which were accepted as I had the letter off them that I had to take to enrolment! I dropped out in the January as I got pregnant and stupidly just left it! Couple of years later and 2 houses later…
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County court judgement
22 years ago i was taken to county court ( Northampton ) by Barclays bank for money i owed them...i was not working at the time and was told to pay £10 per month...i have been doing this ever since..is there any way i can fid out what is outstanding...think it was about £3000 at the time...have move house 4 times…
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struggling to pay debts and have mental issues
Here goes i guess this things must be bad for me to ask here as its very embarrassing.Each month i am struggling to pay my bills.Im here to ask for help as im at my wits end.Before i go any futher i realise its my fault but i seem to be digging myself a hole i cant get out of.I have an overdraft with santander which is…
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Finally addressing my hideous debt! (Eeek!)
Hi all, I've been lurking for quite some time reading other people's posts, but have finally decided to drag my head out of the sand and tackle my own debt problems! Due to a bereavement, followed closely by a terminally ill relative requiring constant care, I have had a couple of lengthy periods with no income over the…
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It's time to change things
I posted earlier on the OS thread just about wanting to get on top of things and have a bit of financial security under our belts for the kids etc. Things are so bad at the moment, the way we are living is terrible and I just don't know how to get out of this cycle. A few members recommend writing every spend down so I…
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About to enter into a DMP...a few questions
Hi Everyone. After doing a lot of reading of various threads on these forums, my wife and I are about to enter into a DMP as we are constantly struggling to make ends meet. We're regularly reaching the middle of the month with zero money because of bills/debt repayments and just can't do it any longer. We have spoken to…
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trying my best
Hello *waves* Just joined up today after reading the debt free wannabe forums for a while now which I have been taking up some great advice and wanted to say thank you. When I get in a bit of a rut stressing about money and getting annoyed with myself for the amount of repayments to debt myself and my husband have to pay…
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End of the road
I have never really shared a great deal of my self imposed struggle on here. Occasionally I have commented or posted but mostly I have lurked. I have had upto 6 defaults registered against my name. Now I have 3 the last one drops off on the 1st April 2015. My biggest achievement has come today when I closed my account with…
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Wed 15th October - What small DFW things will you do today?
When we start out on the DFW 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 progress, when…
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Indebt and car about to pack up
I am looking for any advice regarding the fact that my very old car has presented me with a £500 bill!!! Unexpected - it has many many miles on the clock and probably not going to last much longer according to mechanic. I cannot get to work or collect my children from school/childcare without a car so buses /walking would…
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Pestering by debt collectors!!!!
Hi all, This is the first time I have had to use this so I hope someone can help and I thank you in advance. I am a full time student but I have debt from a while ago (over 8 years ago) and I can't really remember what it's for. So first of all should they still be chasing me for this and secondly even if they are within…
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Harrassment by water companys Debt agents
Having experienced undue harrassment by water company's debt collection agents chasing someone's alleged debt for 11 months after the water co accepted that their search co found wrong person. (Their search attempt showed real incompetence, but not my job to do theirs.) I'm wondering how I go about claiming for…
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Help! Council Tax Liability order and I've paid in full
Hi All, I purchased a property which is split into two self contained flats, however, it is derelict (not habitable) and requires lots of work. I also work out of town and am not always in the city it is in to check mail. I've checked the letters there and: 1. Dated 3rd September I received a summons to appear at court on…
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feel like a weight has been lifted.
decided to take the bull by the horns and try to talk to wife about our debts last night. If you have seen my earlier posts you will see that I have had some difficulties being totally open about the debt. She knows that we have a lot of debt and that it has been "well over 30K". but it's actually around 40K. I sort out…
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Debt free Wannabee
sorry moved to diaries!
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Going to FOS. Any advice? I can't sleep at night.
I've got advice on here before about my mum using a Littlewoods account in my name fraudulently. I reported to the police and have a CRN, but Littlewoods are saying they see no evidence of fraud, and therefore can't help. They've written to me demanding £4000 or they will make me bankrupt. They've also sent me a list of…
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Is discount on early repayment/settlement possible?
After a good couple of years of struggling and making repayments on time I managed to get a consolidation loan. As a single parent its been hard work, I have another child on route so getting on top of my finances has been priority for a good while. Basically my question is: Is it possible to get a discount/reduced…
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Mortgage after DAS?
I have been in a Debt Arrangement Scheme (DAS) in Scotland which will be completed in December. Can anyone give any advice as to how I can try and repair my credit file as my ultimate aim will be to obtain a new mortgage. Also, how long should I wait before even attempting to apply for a mortgage? Many thanks
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How much money do you have left after bills?
Just been redoing our budget spreadsheet and after we have paid all bills, food & fuel and made debt payments (including over payments) we have around 700 left between us. This seems a lot on paper but in reality we always feel poor in the run up to payday! Just wondered how much others have to live on and how the budget…
