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Would creditors be more likely to put a charge on my house if I lower payment?
Hi, I really need some advice. I was diagnosed with breast cancer last year and although well at the moment I have a lot less energy and cannot work so many hours. My husband was made redundant and has another job but lower paid. We have been keeping up our DMP payments with some help from our son but are now struggling. I…
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In a spin
New to forum and am in a tailspin. After the euphoria of starting a new job in January, a couple of issues conspired against me which made me sit down and think about my overall situation. Firstly my old job underpaid me by a considerable amount in my final pay, promised to pay it back the following month, but 3 days out…
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add help and advice with a council tax liability order with ross and roberts
i have a old debt frimnmy council tax from torridge district council i have two years every years from the fall short for my council tax support i have had a bailiff knock on my door at my address twice neither time they were happy to agree a payment that i can make with them they wanted more was just cannot find anyway i…
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In a right Mess but want to sort it out !!!
Hi there, strap in as there's a lot going on that is weighing deeply on my mind, Im desperately trying to turn my credit history around. I know the way to do this is to re build by things such as credit rebuilder cards etc, the only problem is, my credits that bad I can't get accepted by one. The reason behind me…
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Reclaiming My Partners Bank Charges
Good Evening Folks. As my partner and I are currently in a joint DMP we are looking into ways that we can reclaim charges & fees which were applied to accounts (well extortionate fees that were applied) Over a three year period, he was charged £487.72 :eek: He had been on job seekers, and sometimes even overdraft charges…
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CCA Request Barclaycard/MKDP
Hi All, Can you please advise me on the response I received from MKDP... I knowingly have one Barclaycard account that went to a DCA and I have received paperwork on it a while back. I am now having a 2nd DCA claiming I have a Barclaycard/Goldfish account that I do not know about. I have received today a reconstituted…
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Have I done the right thing
So a month has gone by and a lot has happened. My dad retired in november and surprised us last week by giving my sister and I £35000 each from his lump sum to go towards a house deposit, she is also looking to move home now she is married. I had really attacked the debt head on, we have started ynab which i have found to…
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DMP Exit strategy
In brief, Im on a debt management plan......and have been for nearly 5 years.... As I understand, assuming the debtors placed a default marker at the start of the DMP, then next year those defualt markers will fall off (after 6 years) However...heres the question, I'm in a position to start achieving little pots of money…
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What to do with £30,000
Hi, I was made redundant at the end of 2014 and with 24 years service and an enhanced redundancy package, I was fortunate to leave with £30,000 in my pocket. Like most people we have loans and credit cards to pay off and the hope that this money would go some way to pay the majority of this debt off. Unfortunately I am yet…
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CCA request / Data Protection request
Good Afternoon Folks. Just looking for some clarification in relation to the fees applicable to different kinds of information request. I have been looking at different threads on different consumer based websites. If I want to request a statement of all charges applied to a credit account is the fee £10.00? If I want to…
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MKDP / MKDR lose in court - certificate of 'unreasonable conduct' granted by judge
3 links in order Bad day at the office for MKDP LLP MKDP LLP Claim dismissed The MKDP Judgment Note: That blog is from the 'legal aide' referred to in this case http://www.telegraph.co.uk/finance/personalfinance/borrowing/loans/11386282/Lloyds-wrecked-my-credit-history-over-928-debt-I-didnt-owe.html
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Saturday 14th, Sunday 15th February - What small DFW things will you do this weekend?
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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Late Payment showing up on Call Credit & Equifax but not Experian???
I am really really trying to improve my credit score. I've finally got a default off my file but I have 1 late payment form Very from March 2012 :eek: I think I went on holiday at the time and completely forgot to pay. I was only gone for a few weeks, then when I got back I saw the letter. I paid it straight away. I didn't…
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CCJ/Solicitor Help
Hi, I've been slowly crawling my way out of debt for the last 5 years, which has been difficult, but I'm finally seeing the light at the end of the tunnel! Towards the end of last year, I received letters from a solicitors (Mortimer Clarke) for an old catalogue debt. I emailed them with an offer of £20 per month, which…
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Finally feel like I have a plan that's going to work and I can stick to!
Hi everyone 😊 So I have been on this forum for a long time and my debt situation has changed quite a lot over the years. I am currently on maternity leave after having my second daughter and am having to go back to work when she is 6 months old because we just don't have the money for me to stay off any longer. This has…
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To sell, or not to sell
Hi Everyone. I'm looking for some advice on debts. I currently have about £20,000 on credit cards, which are all on 0% deals. I can manage to service these debts and can also "bounce" balances to new 0% offers when the need arises. However, I am aware that some institutions (RBS / Mint, for example) have now stopped 0%…
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Remediation
Hi, We have a secured loan with £1,300 worth of arrears, the creditor wrote to us in July 2014 informing us that due to a system error, they were in breach of their obligations under the CCA because they failed to send regular Notice of Sums in Arrears letters and they failed to advise us when a default sum was added. Any…
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Lowell has bought provident loan after 5 years?
I wonder if you can help, I got a loan from provident about 5 -6 years ago, I can't even remember what I borrowed but I know I paid what I lent back within a couple of months, but still had the interest to pay, I moved house and completely forgot about this loan, I have been in this house 5 years with no letters, my name…
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save yourself debt free cutting costs
hi all just wanted to start a thread where we can all post our bargains and advice to get our costs down to get debt paid off. milk 4 pints 89p in Iceland 2 for £1.80 bread in Iceland. save by freeing th extra if you don't need it et.
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Debt Free Wannabe!
So July 2014, I went into a shared accommodation with 4 other people. By the time we moved in, I was unemployed and still job seeking. By around September, I finally found a job. It didn't provide me with the best hours, but I took on the basis that it was a job at the end of the day, and that some money was coming in. But…
