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New to Debt?!
Hi everyone... Total newbie here...not a place I'd thought I'd be but it seems informative and pleasant all the same... Decided to separate from my husband this week...also came across an empty savings account and loads of debts I haven't a clue what to do...untill I came across this forum and knew I had to post... So…
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paying off a debt through a monthly payment plan
I owe around £400 to a company for an unpaid bill a few years ago (moved house and turned out i still owe money) and was notified of this in july. I corresponded with the debt collection agency through letter and set up a payment plan of £20 per month as at the minute I can't afford to pay it all off at once. I have…
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what to do about past due credit solutions
Hi, I received a letter in may from this company and they were claiming I owed around £200 for a phone bill. I sent them a letter saying I wanted proof of this debt and at the end of june this year saying my 'request for further information' on the account had been passed on to the client and I would be sent an invoice…
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Marlin F & F offer please help
Marlin have bought a debt from HSBC of mine. I was paying at £40 a month when they bought it. I cancelled the DD as I had notice they had bought and sent them a CCA request. They have now come back with a credit agreement and I would like to move forward with a full and final offer. I owe 7200, what would you offer and how…
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Urgent help please anyone?
I've been sent a court summons for a debt. I don't even know its origin, my thought it that its been passed from one company to another but its definitely one that has passed the 6 year point with regard to any contact with them. Is there anything I can do to stop this from going to court? Help! Thanks :)
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Credit Report
Hi, I have accessed my noddle report which shows around £7,500 of debt. Will this show everything I owe or not? Is it best to get one from expieran and equifax as I had thought I owed around £15k so there is a lot missing? Thanks
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Natwest Joint Account Overdraft - Help
Hello all, This is an odd situation, I broke up with my ex about 3 years ago and we had a joint account which had an overdraft that existed before I was even on the account. He wanted to get a loan from Natwest and they told him that he wouldn't be entitled to the loan but would get the loan if I joined his bank account as…
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Financial Disclosure for Existing CCJ
Hi Guys, So I got a CCJ about 4 years ago (for about £23K) and from the judgement I was ordered to pay £152 per month. As I paid off some other debts and my pay increased slightly, I increased my payments voluntarily to £200 per month. This is a struggle sometimes, but will reduce the end date by about a third. For years,…
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Progress very slow
Hi all I just wanted a little bit of a moan somewhere people would get what I mean. I have a plan of paying off my debts, of saving money for maternity leave and a longer term plan (once debts gone) to overpay my mortgage. It wasn't always like this but a combination of terror and YNAB has really helped sort it all out.…
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Advice on debt management plans
I have recently been signed off work due to illness. I have racked up close to £20K in credit card debt over the years and have just been servicing the debt by paying the minimum amount each month. This was sustainable while I was working as I earn good money. However, I am self employed and have no immediate prospect of…
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Thursday 9 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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Effects of full or partial payment
Hello all DFW, Apologies if this is in the wrong section (not sure if it was better here or in the credit report section). I first came here around 2006 after a business failure (long story!), and since then have kept my head down and cracked on. I was left with unsecured debts totaling £103,000 - but thanks to a…
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overdraft help
I am 24 years old and have been living off my overdraft for the past 2 and a half years. I am a carer for my partner, and have been out of work for the last 2 years. Due to our personal set up at home I have been unable to work for the past 2 years, and the only money I have coming in is my carers allowance which is…
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clearing my debts
Hi I've been paying off my debts through a dmp with stepchange for around 6 years Paid off just over 18k. Unfortunately debt was just over 100k!!! Failed business etc. Through a relative I may be in a position to offer full and finals, I will only have a maximum of 20k though. Been reading lots on here lately but getting a…
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What details do I have to provide?
Hello all, I am currently filling out a request to pay by instalments letter to Rossendales and having done that, the form asks for details on the following which I am not very keen to provide: * Date of birth * National insurance number * Job title * Employers name * Employers address Do I have to give them this…
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Looking for support
I have recently been discharged from hospital due to a mental health crisis and am working with a lovely advisor from the CAB and also the Business Debtline, with the probable outcome of bankruptcy. This is totally not where I expected to be in life at this stage; I feel like I'm starting all over again. While I am getting…
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Cyprus debt
Hello, I purchased a apartment in Cyprus which was subsequently flooded. The insurance company (owned by the bank) refused to pay out rendering the flat useless. I was forced to abandon the mortgage. I am now being chased by a UK debt collector for community fees by a company who were not involved in the complex at the…
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A big thank you to the Debt Frees :)
I just wanted to post to thank everyone who's already Debt Free who come back so regularly to this board, the diaries and the challenges to help and inspire the lovely Debt-free wannabes who are still on their journey to debt-freedom. Your posts are so inspirational and you make a huge difference to them all. Love and hugs…
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Revoking CCJ - Any hope...
In 2008 I owed Lloyds Bank approx £1000 debt on a credit card. The debt went to a debt collecting agency. Debt Collecting Agency have been in touch with me today to say I still owed £254.85 of this debt. I said I was shocked as thought it had all been paid but paid this amount immediately over the phone. They said they…
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1 debt - 2 collection agencies - help please!!
Hi So quick version for you - in 2007 i took out car finance with Welcome Finance. It equaled just shy of 13k. I was chased by a company in 2011 and agreed to pay half of the debt at a rate of £50 per month. I made one payment and then no more. Nothing had been confirmed in writing at any point and I heard no more from…
