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Owing the tax man...
If you owe the taxman a big wedge of cash and don't pay, can you go to jail? What's the state of affairs if you ran away from owing the taxman for a few years, but then changed your mind and decided that you wanted to pay what you owed? Would they look at that favourably, or would they still punish because you'd left…
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Financial Hardship & stopping the cycle!
Hi, I am posting this wondering if anyone has any advice. My mother in law uses many catalogue companies to order stuff which is not needed or just rubbish (we think she can't stop herself despite promises)! She is heavily in debt and basically borrows from one account to pay another therefore living in high debt and…
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Monday 10 November - 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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Paying off DMP with lump sum
My sister is about to sell her house and will be able to take a chunk of money when she does. She has been on a DMP through stepchange for about seven years and has a year to go (about 2.5k left). Will she be able to make an offer (the way you can sometimes do when it with a debt collection aggency) or will she just have…
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A big thank you from a long time lurker
Hi all, I just wanted to say a big thank you to everyone on here. I've never posted before now, but I've read so many of the threads here and I've had the same problems as many others. Reading these gave me some comfort, as at times I felt very stupid, embarrassed and also alone thanks to the mess I'd got myself into, and…
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Ynab
I have started the free trial of this today. So far cant make head nor tail if I am actually filling it in correctly and cant see how it will differ from the excel spreadsheet I currently use. What it has made me realise is how I am in a mess with what comes in and when. I have 2 bank accounts and different amounts of…
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Snowballing calculation
Hi everyone, So I just calculated how long it will take to pay my debts off using the snowball method...It has given me some inspiration, although at the same time I know i've got a hard 5 months ahead of me!! I feel so angry at myself for getting in this position, but I suppose dwelling on it will only make it worse.…
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Finally after 6 years Im debt free
Hi All Well finally after nearly six years I have made my final payment to Pay plan and have received replies from two of my creditors saying my balances are nil.....Yippee :j:j:j:j I have been lucky in that after a long fight with a certain bank I have received my PPI which enabled me to clear my balances more than 4 for…
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Can you move abroad with uk debt?
Afternoon I would be grateful for some advice! Is one allowed to move abroad with debt in the UK? I am obviously planning to continue to pay my debts, but wondered whether this is an option at all? Many thanks and have a great weekend everyone!
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1 year in but now barclaycard....
Hi, we are 1 year into a DMP with StepChange. All been ok and all had stopped interest. However today we receive our barclaycard statement, we usually pay £83.50 via stepchange but they now want a monthly payment of £235.00. We tried to call barclaycard but as we have not spoken to them in years, apparently we failed their…
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Life After Debt...
Looking at the silver lining... Once you're debt free, how do you decide what to save for first? We have numerous things we need... New central heating (boilers on the brink!), car (company car, looking to change job and would perhaps go without), emergency fund, etc! Would you just put away a little each month for it all,…
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Sat 8/Sun 9 November - 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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Full and Final settlement help needed.
Hello Any advice on this would be much appreciated. My work colleague asked me to speak to Moorcroft Debt Recovery on their behalf regarding a Full and Final settlement for a Lloyds debt she has had for 15 years. Currently she owes £700. I spoke to Moorcroft and spoke to an advisor and I offered them £300 on her behalf as…
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Newbie in need of some help
Hi, I'm new on here and I need of some help, advice and support... I have always struggled with being in control if my spending but have managed to mainly keep a lid on things and manage without getting myself into too much trouble but recently things have just spiralled out of control for me. I am 28 years old and I…
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Pretend missed delivery card
Has anybody received a sorry we missed you card, which is not quite right? I received one through the post, complete with stamp! It looks like the post office one, but is green, not red contains no company name, but a hand written mobile number and it states parcel letter or other and they have ticked other. It seems…
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Another creditor crawled out of the woodwork
I've been on a DMP with Step Change for 3 months and so far so good. I came home today to find a letter from a creditor stating they've been unable to agree to a satisfactory payment with me regarding a debt for around £200. I've checked my DMP statement and the creditor isn't listed. I'm worried that a) Step Change will…
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Being judged by someone who was supposed to help
About 5 years ago I approached my local CAB for debt advice. I was struggling to meet payments, and was also very depressed. I saw an advisor there who was horrendously judgemental. He was an elderly bloke, who basically accused me of being totally spendthrift, living beyond my means, and said (without offering any advice…
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Just received a letter from Wescot
As above, just received a letter from these in regards to a Barclaycard Commercial account I have, currently in a DMP. My DMP is only a couple of months old, so this is the first of my accounts that have been moved onto a DCA, so not sure if this is right or not. The amount owed on the letter seemed to be about right, so I…
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Interview: Trainee Debt Caseworker CAB
Good evening, I have gotten through to the final round of interviews to be a trainee Debt Caseworker with Citizens Advice. Firstly I would love any help regarding the interview such as what questions to expect. I imagine the usual why do you want this job and what are your skills etc but what else could they ask? I really…
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Letter from Buchanan, Clerk & Wells!
HI everyone, This is my first time postin here. My boyfriend received a letter (at our new address, as we have recently moved in together) from Buchanan, Clerk & Wells demanding £800 for Scottish Power saying he was due them this money for gas that he had used. My boyfriend used the top-up cards at his previous property,…
