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Snowballing and 0% Balance Transfers
I'm sorry if this has been asked before. I've just punched our debts into a snowball calculator and, complicated story short, it suggests that we pay off our 0% promo rate balances first before the deals end. Our instinct was to leave them on minimum payments while we service other cards that do have interest (presently…
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Credit card problems and interest extortionate
Hi I have gotten myself into a mess with credit cards and its all come to a head over the last few days. I am paying extortionate amounts of interest and just cannot keep up any longer. I have contacted Stepchange who have suggested that I contact my creditors and offer to pay £1 per month and to freeze the interest on my…
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terrified help needed
hello everyone im new here so please bear with me to be blunt we are in debt bigtime and i dont know where to turn i had to give up work due to ill health in 2008 an hubby lost his job in 2011 although always found work his salary is vastly reduced no perks like car an fuel. we bought an old banger for work which is a…
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Help for first time renter
Hi Im really struggling with trying to open a new thread.. All i'm after is a bit of information for a first time renter. My boyfriend and i are looking to rent a 2 bedroom property for around £500 a month.. We're total newbies so no idea what we need to budget for on top of this or how much it will be, any help? THANKS
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Tuesday 10 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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DMP review has not been amended online
I've recently had to reduce my monthly payment to Step Change as part of my debt management plan. However, this change is not reflected on my online DMP and is still shower the higher amount which is set to be debited from my bank account next month. I was advised over the phone that the monthly payment has been amended.…
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Barclaycard Query
I have a couple of queries and hope someone can help. Recently wrote to Barclaycard re payment and have received a reply from Cabot. Are they part of Barclaycard or a separate company. Also previously did a cca request and all Barclaycard sent me was a copy of terms and condition no signed agreement and had a printout of…
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rockwell, now Arrow dca cant supply a cca? where do i stand
Hi all, Received a letter from Rockwell via Arrow showing an outstanding balance from a loan in 1997. There is no original amount on the statement or term of original contract. Previously they were unable to supply a CCA. But I've kept paying monthly to keep them of my case as they were vile monsters n the phone and kept…
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sherrif officers chasing me for dead dads debt (Scotland)
Looking for a bit of advice, Sherrif officers have been sending me threatening letters regarding an unpaid funeral bil of around £5000, that was in my fathers name, he at that point had the money to pay it but unexpectedly died himself and that money was released by the bank to me to pay for his funeral. Can they chase me…
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Search History On Credit File
Good Evening. I was just wondering; how long does it take for "searches" on your credit file to drop off? KR Mrs_Hutchins
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Red Castle Recoveries
Good Evening All :j Just looking for a bit of help. I have received a letter from Red Castle Recoveries stating a debt held with Quick Quid has been assigned to them. Other than their address, phone number (I will not be calling them) and a pay website address - they do not have any email. They mention Arvato Financial…
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Dmp
Hi everyone wondered if anyone who has debt with Barclaycard has any idea how long it would take them to default the account, I've been in a DMP for quite sometime all my other debts have defautled but not Barclaycard they still charge interest at a reduced rate, I am wondering whether they would accept a full and final…
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Debt management scam?
Hi all, I am looking for some help and advice please. My partner incurred debt when she was in her teens and is still paying it off monthly via a debt management company now - 10 years later. She joined a debt management company who she was relatively happy with for the first few years, but this company was taken over by…
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In need of some friendly advice please-don't know where to start!
Hi, I need to sort out a few different debts, ideally to make one payment per month towards all of them. I have applied for a few personal loans but been declined. Here's the figures: CC 1 £1564 CC 2 £2258 CC 3 £3938 Business Loan £1419 All are defaulted. I am currently beating myself up for letting it get to this and…
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Overdraft debt passed on to Wescot
Hi everyone, A year ago I opened an account with Santander, I had 250£ overdraft limit, and failed to repay it after I switched to lloyds tab. I have been in an out of country as I was receiving a medical treatment back at home in EU, and compleatly forgot about the account. Today I got a text from Wiscot asking to call…
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How do you pay for things?
A question for those of us who are paying back debt, how do you pay for day to day stuff? Do you always pay cash? Debit card? What about having a credit card that you pay back in full each month? If it's the credit card is it only for groceries? What about clothes, furnishings, presents? What about non-monthly costs like…
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Debt's over 6 years old
Good afternoon! Firstly I would love to introduce myself. My name is Oliver, 27 and ever since getting the freedom of credit since 18, I've been in debt. Until recently, I have noticed all defaults have been removed and a CCJ has disappeared too. These are all over 6 years old. I have been paying these all off monthly and…
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Northumberland Council Tax - No record of me...
Hi all, I'm not sure if this is the right place, but I couldn't find an area specifically for Council Tax... and we all want to be debt free right?? Ok, so I've had a bit of an ordeal with NCC since April last year. I TRIED to pay my council tax, by phone, online, even have proof that I enquired by email, and they asked…
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sick of these debts filling my head
Hello, I started reading some of the diaries on this forum over the last few days and I've got so much inspiration from just reading them it has helped me to try and get to grips with my debts. I've been so stupid racking up debts over the last few years and some of it because of developing a gambling habit. I realised,…
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Pensioner Debt help
hi all, I am looking for some advice to help my 65 year old mum. My mum has admitted to me over the weekend that she has got herself into a significant amount of debt and doesn't know how to find a way out. I am desperate to find a way to help her but unfortunately am not in a position to pay the whole lot off for her.…
