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Entering DMP- New bank account Question
Hi guys, I'm new to the forum and also new to the joint DMP my partner and I are on with Stepchange. Basically one of my creditors has been Nationwide... (Credit card, loan, overdraft) and due to the overdraft with them Stepchange have told me to open a new basic bank account with a completely separate bank. My question…
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Saturday 18th and Sunday 19th 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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Credit Score Not Improving
My husband has had quite bad credit with lots of small unpaid debts like mobile phone contracts with unpaid final bills. He's cleared a lot of these things but still has a student loan and a debt consolidation arrangement with a company called Moorcroft. He's been paying Moorcroft for about two years. However his credit…
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DMP and Renting - tennent referenceing LetsXL
Hi I have a DMP being paid so all up to date with that, employment ok, and previous landlord refrances My letting agents use a company called LetsXL to check tenets and their worthiness I was just wondering what they can see in their credit check and undisclosed credit check
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Quick YNAB Question
Morning all! YNAB (<-- check me out, using acronyms like a seasoned DFW already!) has been recommended to me on a previous thread, so I've signed up to take a look. An issue I can foresee, which lots of people must have addressed before, is that it seems in order to use it properly I'm going to have to make sure my wife…
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What have you learnt?
Morning all The debt free forum has helped me a lot and I find it very inspiring, thank you! I find the debt free roll of honour really inspiring but I wondered in the meantime... What keeps you motivated What you learnt through the debt free journey? As my debt free moment seems a long time away. really great to read this…
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Debt letter to previous homeowner (non-urgent)
Hello! This isn't an urgent info request, but I'm sure you knowledgeable folk will have the answer :-) I accidentally opened a letter for the previous owner of our flat, and found that it was a debt recovery letter for fuel payments (~£360).The previous owner has moved abroad (prior to us purchasing the flat), and we moved…
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Arrow Global/RMA Resolve/NCO wrote to stepchange re: unknown debt
Hi all. A question if I may to all you knowledgeable MSE people. I was fairly recently contacted via letter by Arrow Global, who sub contracted (if that is possible) RMA Resolve to chase an alleged debt belonging to me, or at least someone who shares my name. Boring story cut to the point.....Arrow Global took it upon…
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Please help - Jacobs bailiffs
Ok ill try to make this as short as possible 2006 I had a pub in joint names with step father I had hardly anything to do with this pub but my name was on paper work. He ran it Got into trouble and left it Owed money He died this year Today I have letter from Jacobs regarding a bailiff calling to take items for a debt with…
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Can CC companies demand it all back in one go?
Was just thinking.... I am sure that in the T&C's of some of my CC's it states that they can demand full payment. Now, I always pay on time so there is no issue with my accounts other than I owe a lot! What would happen if they suddenly demanded it all back in one go? I couldn't pay it so would it cost me my house?
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Help with jacobs baliffs
Ok ill try to make this as short as possible 2006 I had a pub in joint names with step father I had hardly anything to do with this pub but my name was on paper work. He ran it Got into trouble and left it Owed money He died this year Today I have letter from Jacobs regarding a bailiff calling to take items for a debt with…
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Dmp and mobile phone upgrade
Hi I'm on a dmp with stepchange, , my phone is up for upgrade next month just a cheap contract , will I still be able to upgrade being on a dmp ..had my contract over 5 years never missed a direct debit
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A Strange Debt!!!!
My 20 year old son has just been sent a bill from Hampshire Football Association, a part debt, of £14 (this includes an admin fee), for unpaid fines accumulated by his team. The team has now folded. The club is well known locally, and has age groups all the way up from youngsters to men's league My son played 3 games last…
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What's to stop people maxing out credit and going on a DMP?
Just curious really. Not having a go at anyone but been reading some of the debt free threads and just wondered, what's to stop people maxing out as much credit as they can and then going onto a DMP?
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Really struggling
Hey all, I've used this forum allot to research things for myself and family and friends but I think I may need to ask a question this time and I hope someone can help or point me to the correct place to post. I'm in around £5000 worth of debt and I'm struggling to pay it off as the interest is killing me. I have a £3500…
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Irresponsible lending? If so, what do I do?
Okay, its about time i sorted this. When i was 19 years old (about 6 years ago) i was stupid enough to get a car on finance from car shaft, they car cost about 6k and ended up costing closer to 12.. Months after, when i started to struggle on my small wage, i took out plenty of pay day loans and even credit cards. To which…
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sorting myself out
Hi all . Looking for some advice. I am on a mission to get myself debt free as my wage is utter rubbish and I just hate owing money out. I can't decide on which debt to start overpaying on first. As stated my rubbish wage is roughly £850 a month Debts are as follows Hire Purchase £10903 remaining / £176.76 a month 60…
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Please help me.
Hi, Please help, as I'm not in a good place atm. My husband and I have debts (excluding mortgage) of £34000. This is mainly on credit cards (£25k), a car on finance and a few store cards/catalogue accounts. Of these we can only afford the minimum payments each month (never missed any though and can always pay the minimum)…
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Debts: Living outside the EU
Hey there, I know I'm the wrong and bad person in this so please, don't berate me too much. I have debts in Gibraltar, they were going to be sold to a UK debt collector (I've never been resident there, so I don't understand their logic). They have emailed me recently and, rather worryingly, got friends that I have on…
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Paid off my car loan!
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