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Friday 17th 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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Friday 17th October: What small 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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Orange-Scotcall-Arrow Global
Hi Sorry if this is not in the correct part of the forum but i couldnt see another place to post it. Basically im having a problem with Scotcall about a mobile phone debt. The short story is i had a contract with orange, i emigrated in 2010 and i called them to close my account and I was under the impression that my…
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Where to start?
Evening all! We need to take control of our finances and our debts. Things aren't dire but they're certainly not healthy. We owe about £35k in unsecured debts, paying out about £975 a month servicing them. £8k of that is a loan which is fairly recent and takes about £185 a month. The rest are credit cards. I've done an SOA…
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Can I ever rent my own place with bad credit history?
I have defaults, however I wish to maybe start renting a place on my own through estate agents. Will they ALL ask for credit checks or is it spareroom.com forever? Thanks.
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Debt crisis moment
Don't know where to start, I have been watching this thread all year and have known this point was coming but still managed to ignore it. OK a bit of background....so the past couple of months I have finally started facing my debts. I started following the advice I had been reading on here and trying to do a SOA I say…
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Urgent advice needed on Summary Cause Summons for Recovery of Possession and Arrears
I've been trying to build my credit rating so as to be able to apply for a mortgage in the next few years. However, I just received a Summary Cause Summons for Recovery of Possession and Arrears because unbeknown to me my partner hadn't been paying the rent. Thankfully, I have enough in the bank to clear the arrears…
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have I bitten off my nose to spite my face?
So yesterday I cancelled my vanquis credit card account. I no longer need it. My credit rating is now strong and I am in no need for the credit or the interest rates they offered. However I was told that once closed I could never have an account with Vanquis again. I don't want one, I would never ever again have one.…
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Re: Overdraft and Savings (Urgent Advice Please?)
Hi there, Don't post much on here but looking for some advice to be honest. I have an overdraft which is around £2,800.00 for the past 3 months now paying around £35.00 per month on fees and interest. I earn a decent income for my age and want to get this all sorted now!! I have around £650.00 left over each month after…
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Want to leave debt management company
hoping someone can help me with a problem i'm having working to pay off my debts. back in 2001 my husband and i signed up to eurodebt finance. they started managing our 20k debt for a modest fee each month. at the time we had a baby and i was working and neither of us had the know how or energy to fend off debt collectors…
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Marston HCEO
Hi, you all seem really good and helpful here so hopefully you can advice me on a scarey matter. My husband lost his pig farming business due to the usual rising costs and rather than go bankrupt we decided to pay off our £80,000 debts, so we sold our land and paid over half the debts and the remaining debts. I contacted…
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Mum helping to pay off mortgage
Sorry if this is a daft question but here goes.. Mum 89 lives with us rent free, she has savings and wants to help us pay off the mortgage with a lump sum which would be also funded by us. Would this cause any problems? ie deprivation of assets tax implications future care?
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Light at the end of a very long tunnel
Hi Folks I started my Debt Free journey in October 2009 with a total outstanding debt of £45200. Five years laterand I have cleared 70% of that debt, but still looking at just over 2 years until I can say I am free of it!!! I've always kept it in mind that it was my fault I accrued that much debt so it was up to me to…
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Money Advice unit and PPI
Hi there Hope someone can help me I have been in a DMP with Payplan for nearly 4 years now and all is going well...although they are a little slow at getting back to me they are ok I recently decided to try to claim back PPI for 8 cards, and decided to go through Gladston Brookes. I made the phone call and as im in a DMP…
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DFW journey starts today
Hi Been lurking for a while but today I am determined to get things under control - so this is my fourth step! Here's my background info! I half inherited a house last year so have finally moved out of the parents and in to the real world of responsibility! The key reason for my debt is that the house needed extensive work…
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Debt letter from Shopacheck. Not in debt!
Hope this is the right section to post in! My partner has just received a letter from Hph ltd saying he owes £152.42 to Shopacheck?! He doesn't have any debt or loans at all and we've never heard of Shopacheck. He said he did have a provident loan of £100 back in 1998 which was paid back a long time ago. His middle name is…
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Is this debt unenforcable?
I've had an on going issue with RBS for many years in relation to a large loan that I had defaulted on. I've been repaying this and also successfully reclaimed PPI from it too. However, alongside this large loan I had, there was a smaller one of which I have no idea what it was for, I have asked on several occasions, but…
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Thursday 16th 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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Having a baby whilst paying off debts.
We have a bit of a dilemma.... Those of you that have read my earlier posts will know that we are currently on a debt free journey to clear around 40K of debt by Christmas 2016. We have one child who is 4 years old. We had problems getting pregnant the first time round and it took 2 years and fertility drugs (not IVF and…
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collectica enforcement (bailiff?) help URGENT
I got home from work today to a hand deliveredletter from collectica. it gives a court ref number and says I owe £703. the only thing I can possibly think of is a fine for not having a tv licence for a short period of time, other than that I don't know what it is. it syas they will be back on Friday and will break in if…
