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Sygma/Creation
Hi all Just starting on our debt free journey again:o this time i wont fail have started with debt line who have passed this to step change have just had the most vile phone call from west midlands debt collection re sygma/creation debt has any one else had dealings with these creatures?
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2015 soa
This is mainly to keep me on track, think I am pretty ok.Had years of scrimping/wasting/unnecessary spending, this is my balanced life budget! Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 1 Number of cars…
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Statute Barred debt
Hi guys I received a letter this morning from a debt collection agency in regards to a debt that is easily over 6 years old since last communication and even payment was longer. Anyway the question I do wish to ask, the debt agency is an agency I'm currently paying another small debt off with, so do I have no option but to…
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Paid off £800 overdraft in 2 months. Wish I'd done this earlier!
My debts at the beginning of Januray were as follows Credit Card (35%) - £2100 Credit Card (18%) - £950 HSBC Loan - £2040 HSBC Overdraft - £800. My finances were stable - I paid everything (bills, minimum on credit card and lots of money on going out!) but always had about £5 left at the end of the month. Found out my wife…
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Friday 13 February - 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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Just had a call from Trust Deed Scotland
Trust Deed Scotland just called me about a possible trust deed. They had all my details which they say would have come from me putting details online, I don't doubt that as i'm forever looking up loans etc. They also said they're calling everyone in Scotland so I would have gotten a call eventually. I am a bit wary of…
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Loan/debt chasers and non-existing debt
For the past few weeks my email has been getting bombarded by debt chasers from eCashwindow. 4 years ago I had a loan from EPDL, which was paid eventually in full and settled. Never heard anything back from them since 2011. So it is with some surprise that I'm now getting pestered for this. I replied to them that I had no…
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Consolidating Debt
Hi I was hoping someone could offer some advice. I currently have a large overdraft and 2 credit cards for around £4000 each. I am paying the minimum on the cards each month on the cards but I'm not getting anywhere with repaying them and im also being charged on my overdraft. My bank (Natwest) have offered for me to…
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SoA to avoid getting in debt
I'm in the process of possibly buying my brother out of our house, so I have set up a brand new SoA and I just wondered if people could look it over and see if I have missed anything out. I'm not in debt at the moment, but am remortgaging to my absolute limit, so don't want to get in debt. Mortgage 417.00 Mortgage…
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Statute barred urgent quick help
I have defended a statute barred claim issued by Drydensfairfax for an old credit card. They didn't respond to my defence and the claim was stayed. No contact or payments have been made by me for over 6 years. I have today received a letter from them and all past statements. After months of no credits to the account a…
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buried my head far too long
Hi all I am a long time forum lurker with the occasional post but now is the time to be a bit more active to be a bit more constructive about my situation. I am a recovering compulsive gambler (6+ years in Gamblers Anonymous; nearing 2 years free of a bet with a different feeling about this time) I am a homeowner, in full…
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Dmp payment panic
So we are just setting up our dmp and a two of our credit cards have agreed to the plan and freeze the interest, now here's the panic they say I have to pay x amount by the end of the month yet my dmp with stepchange doesn't start until the 1st April meaning they won't get a payment until the end of April, we did this to…
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Thursday 12 February - 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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Can I settle for 30%???
Hello Everybody!! :j I wonder if you could use you brilliant minds to come up with some creative accounting to deal with this little lot... I would like to negotiate to as low an amount as possible. I have £7,000 in my bank account and want to pay off my outstanding balances which consist of: Credit card No.1 £ 6,111.73…
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sticking to a budget - advice / tips
Hello im new to this site and wondered how people manage to stick to a budget? i know loads of people probably ask this but i really need help to sticking to a budget. any tips or advice would be really helpful my background iv done countless plans but can never stick to them something always seems to come up (nights out,…
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Helping son after mental illness
Hi my son has been suffering with mental illness for several years and is recovering now. During this time he has not worked, claimed intermittent benefits and got into debt. In the first instance he has accepted my help to help him move forward with addressing the debt issues and making a claim for benefits to get him…
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I did it, I told him
Hi everyone, I'm new to site despite reading it for years. I wanted to post for the first time as I have just told my husband about my secret debt - £5k credit card! I don't really know where to start other than my husband suffers from depression and can be very moody at times which makes talking to him hard so when he…
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help please
Hi there im in a mess we are currently on a dmp with stepchange ,and that's fine, we are self employed both 55 our mortgage is with the Woolwich and is paid in approx. 2 years the only problem is we have a reserve mortgage that has a 43,000 reserve and I don't know how we are going to pay it before the mortgage finishes…
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Unable to get a DMP because of work expenses account
I have been advised by step change that I will not be able to set up a DMP because my husband has an account that he uses for his works expenses (same bank we have a joint account with that has a credit card debt). We could close this and add it to our basic account- but that may start getting very confusing! The main…
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Gambling....
Hi Guys, I am a 18 year old male with an enjoyable and progressive job. I earn quite good money for my age and with only a car to pay for along with petrol etc, around 80% of my monthly income is disposable. However, I have a real problem with online gambling, particularly whilst under the influence of alcohol. In recent…
