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Finally facing up - SOA
Ok, so the title says it all. I am in a dire situation with unsecured debt. I have been considering a secured loan but could only get offers with ridiculous interest rates plus I REALLY don't want to risk my house. I got here by being naive and massively overspending. I have nothing to show for it. I also have…
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Debt help needed - only covering minimum payments
Hi all, some help would be greatly appreciated here. All of my debt is listed in my signature below. I own a house with my ex which is currently for sale but for which I am paying half the mortgage and council tax. I am co-renting a property with my current partner (moving back to my house is not an option). I am literally…
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Drydens -repossession repayments
Hi all Firstly apologies if I've posted this in the wrong section of the boards. Long story short, I had a repossession with my ex partner in 2007. I accepted this at the time, although looking back, there were circumstances in which I don't think halifax acted fairly and I wish I'd contested it, anyway that's irrelevant…
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It's nearly here
The day I've been working towards. 11 days until I am debt free. I'm just so excited and relieved that I had to tell someone! Excuse the self indulgence.
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Friday 14th 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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slipped up today...
Popped to supermarket on way home from work with the intention of spending around £5. Ended up spending £19. Felt annoyed with myself afterwards as I have been so good. On a positive note, this would have been happening several times a week up until a few months ago without me even giving it a second thought so that fact…
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How long do Notice of Disassociations take, when applied ?
Equifax, Experien, Call credit When doing a notice of disassociation with all 3 of them, for somebody joint with you, to break the link then how long does it take for this to happen? (after you fill in the form, and post it to them) How long can it take, for them 3 CRAs update and remove the links? (I know it can be done…
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Mental illness and debt
My wife suffers from paranoid schizophrenia and autism. Unknown to me until a month back she had been withdrawing large amounts of money from her credit cards. Because of psychotic delusions she burnt large amounts of money ( £30,000) and suffered some 2nd degree burns on her body.The psychiatric team are trying to…
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debt letter
I was contacted by a firm about a debt I know nothing about the last payment was on august the 15 2008 what can I do about this I know nothing about it , I have not heard back from the firm for months I am very worried about this
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Financial hardship & claiming back.
So, given this forum provides a great source of help, I need your advice again in trying to help the mother in law sort out her extensive debts. If a catalogue has charged a monthly charge for 5 year purchase protection am I able to claim this back like PPI? My MIL has no idea what this is for so I am guessing something…
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A Question of Morals
As DWFs, I'm sure you can all appreciate sometimes how important each and every penny can be. I find myself in a bit of a moral dilemma. I own a property with 3 other friends, which we moved out of 3 years ago, and it is currently let to a tenant. Today, I received a txt message from npower who were our electric supplier…
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Having a panic moment about payment to Capquest
I have agreed a F&F with Capquest for one of my debts and are negotiating about another. They say they wanted the payment by Postal Order which is quite costly. I currently pay them by Standing Order and have been for quite some time. I did not want to use their online payment system so I used the same bank details as my…
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Immediate Financial i need to leave this DMP!
Hi all, new to this but wish I would have found it 2 years ago. Iv recently posted about a car insurance debt, but at the same time I have a DMP with a company called Immediate Financial (which i thought was nearly done with). I have paid £115 to this company for 19 months now, they send £1 of this to each of my 9…
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Help... Claim Form from County Court Business Centre
Hi just wondering if anyone can advise me on what I should do. Yesterday I received a claim form from county court business centre regarding a lloyds overdraft of £2900. I left the bank in aug 2010 with overdraft of around £1800. I've been thinking about going bankrupt. How do I go about with this? Thank you Received a…
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Sunshine or Greycloud on the horizon?
I have about £25k of debt which are all under a temporary arrangement plan, MBNA has sold the debt on but the others remain with the original financial institutions. I don't know what amount would be accepted as full and final settlement. My dilemma is this: My boss is interested in helping me out as I've had to turn down…
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Newbie DMP Help ...... Please!
Hi Everyone, I'm not sure if this is the right place to post.? So please redirect me if I'm wrong. In 2008 I joined a DMP with DFH, I am still with them but slowly realising that this probably wasn't the best thing to do....(thoughts?) Anyway I'm now left with £3k with Moorgate originally HSBC and £4k with Marlin…
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Thursday 13 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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Partner lying about debts
Apologies for the long post, but need to unload. So I've been with my partner 6 months. His wife died 2 years ago and due to her long illness and losing her job he ended up in all sorts of debt. He didn't open letters and due to grief wasn't really bothered what happened. From almost day one I knew he had "some debt", this…
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Template Letters to Creditors
Evening Could some kind person point me in the direction of these please ? I have searched everywhere !! Ta Muchly
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Electoral Roll date?
I check my Noddle account every month, I have one ccj of £4000 from 2 years ago and a default of £136, I havnt had any credit for a good few years but couldn't even get a phone contract last month! On checking noddle I noticed it says iv been at my current address since July this year but it was June 2013 I moved in, Would…
