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Newbie, advice on settling debts in and out of a DMP.
Good morning all, I have often came here and read everyones suggestions and words of wisdom, and find it so helpful (And that was before I registered) So here it is, my credit rating is shocking! (226 I believe) I have had a problem with debt since the day I turned 18! Now nearly 8 years on, they really are out of hand.…
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Tuesday 14th 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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Has anyone any experience of "the Mortage Today" debt management company?
Hi, I am new to the forum so I am sorry if their is another thread. I was originally with Bains and Ernst when I was approached by the then company Debt Connect now known as The Mortgage today. They promised me that they would have my debts all sorted in approximately 2 years (if I stayed with B and E it was more than 6).…
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Baillifs for a penalty charge
Hi I am just needing to ask a quick question in relation to my situation which is as follows : [FONT="]I made contact with Equita upon receiving my TE3 letter, and paid the full amount due of £112 for a penalty charge ( parking fine) , over the phone, with my debit card. The payment was made on the 5/08/2014, and is…
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SAAS student loan problem
I studied in 2001 but left after 6 months due to personal issues, I went back to a different uni in 2007 and they took the overpayment of £700 off over my 3 payments for the year. Last year I got contacted by parents to say they have been getting harassing phone calls and letters from SAAS as well as my cousin demanding to…
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HSBC cancelled some of my priority direct debits
I have a DMP with a debt management charity, and have had this for 2+ years. This week HSBC cancelled several of my priority direct debits. Is this legal? When I went to my local branch I was advised that this had been done by the 3DPM department and that this had happened because I have a DMP. When I went back to my DMP…
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What's happened to my sig???
oops, what has happened here? any ideas?
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Advice needed, very desperate
Hi Sorry if I am posting in the incorrect place however I am new here. I'm not sure where to start but basically I need help on what to do or where to go as the stress of constantly being in debt is making death look like a good option. I have a number of outstanding debts that I have chosen to hide from Student Loan…
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Received fine for old car, passed to debt collection
I've received a letter from a debt collection agency called Sigma Red. They are saying they collect payments on behalf of the DVLA, this debt is in relation to a late payment penalty on my car tax. Apparently i've failed to respond to the DVLA notice and now I must pay a fine of £80. The problem is I haven't owned the car…
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Setting aside a CCJ - genuine reason!
Hi all, Apologies if this is not in the right section but I wasn't sure where might be the best place to post. I was after some advice on what to expect from a county court appearance I have next week to ask the court to set aside a CCJ. I have never had to do anything like this before and I have no idea what to expect or…
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Statute barred, help please
Hi, Need some advice. Currently live in scotland. I had an old Vodafone debt that was not mine, my account had been fraudulently used in March 2010 and this person has raked up a huge debt in my name. Back in March 2011 when I found out about this I tried for months to tell the debt company 'red' that it was nothing to do…
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Monday 13th 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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Vodafone Bill Clearance
Hello ..i had a contract with vodafone before 2 years and i left my contract in between because of financial difficulties ...i want to clear my account now. whom should i contact vodafone or the debt collection agencies, and will it be too expensive for me to clear the bill ?? i have used it for 6 months and skipped…
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Co-Operative Bank applying interest to Loan in a DMA
My partner has a DMA through Step Change (CCCS as was) which has been in force for over 7 years. One of the debts he had was a loan with the Co-Operative Bank which was over £20,000. First of all they refused to accept the offered payment scheme and continued to apply interest so for every £400 he was paying off, they were…
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Out of the blue
Hi can anyone shed some light on this email I was sent please Dear Xx Xxxxxx Account number ending XXXX We wanted to let you know that we will be clearing the outstanding balance on your credit card account number ending XXXX from xxth xxxxxxxx 2014 and closing your account. Why are you clearing my outstanding balance and…
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stepchange ..
Hi I've just made my first payment to stepchange ..looked at a message alert and it's saying contact us and HELD debt ...I've sent a email to them with a account number on but I'm confused to Wat held debt means also a unknown debt ..which is a halifax loan ..I even sent a copy of my bank statement with halifax loan and…
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All advice welcome
I am 40 and have been in debt most of my adult life. Following the breakdown of my second marriage, where we had lived way beyond our means, I had over £25000 in personal debt- a loan, overdraft and 3 credit cards. My daughter and I had to move in with family and in March 2013 I started a DMP through Stepchange. This…
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Help with debt
Hi,i am new to this so not sure this is even in the right board to post. I am actually getting advice for my partner,2 things,firstly yesterday she had a court claim for an orange phone contract,it is asking for £225, it is her debt so she is willing to pay upto£15 per month,we have not filled in the form yet but she has…
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In such a state... I don't know what to do.
Over the past year I've racked up a lot of debt... Mostly with paydays loan. My salary is £1,370 a month after tax. I am in the graduate job of my dreams and my salary is set to rise steeply. My next pay rise in April is set to be £4k pa. My following two will be £10k each in 2016 and 2017. I live in London. I've just had…
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Some questions on remortgaging, credit cards and overdrafts
I am trying to get organised with my finances with the goal of reducing my debt and becoming debt free! I have had no problem with making my monthly payments in fact I generally have been overpaying but would like to clear my debt as currently paying around £300 a month in debt repayments. I am currently putting any spare…
