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Debt letter for x partner
Hi all, I received a letter at my address for my x partner. It said that they had heard this might be his address. He's not lived here for 3 and a half years. How would they get this as a possible address? From looking at credit bureaus? I have done 2 financial diss-associations one on experian and one on noddle prior to…
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Monday 9 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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How to respond to Creditors Letters?
Hi all, In an attempt to get our finances under control, my wife and I completed the Debt Remedy on the StepChange website. StepChange suggested a token payment plan so my wife and I wrote letters to all creditors enclosing the income/expenditure, list of other debts and asking them to look at our circumstances to see what…
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Newbie
I've visited the site in the past, but never posted in the forum. I've always had trouble with debts and always try to fix things myself, but it seems to work in the shirt term but then I end up worse than before. Current situation is we (myself and my husband) have a £15000 loan which my parents took out and we pay them…
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Struggling need help and advice 😔😔😔
Hi everyone im new to this but really need help!!!!! im currently in a trust deed for all my unsecured debt which I was paying £480 pm this was my husband as well. I have a secured loan on my property which I have fallen in to arrears with and they now want double my original monthly payment now £1068. my trustee has…
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Struggling need help and advice 😔😔😔
Hi everyone im new to this but really need help!!!!! im currently in a trust deed for all my unsecured debt which I was paying £480 pm this was my husband as well. I have a secured loan on my property which I have fallen in to arrears with and they now want double my original monthly payment now £1068. my trustee has…
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In DMP - want to get out ASAP but need advice please! Considering bad credit loan??
I hope someone can give me some desperately needed advice!.....here's my story: I live with partner and 2 y/o with another baby on the way, we own our own house and never missed a mortgage payment. We are in almost £20k debt and have been in a DMP for 2 years since I went on maternity leave - as we just couldn't meet the…
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Husband made redundant, DMP help!
Hi We started a DMP with CAP in December to deal with our debts, largely amassed when my husband was made redundant just before Christmas 2013. On Wednesday my husband was made redundant again, and he is only entitled to notice pay of 4 weeks because he had been there just 2 days shy of a year. So basically he has one…
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Removal of defaults by payday loans and dca
Hi hopefully I'm posting in the correct place, I had some payday loans which defaulted around 2 years ago. I have no issue with paying these however I am wondering if I have any sort of bargaining tools to set the defaults removed if I pay the account? The payday loan company is lending stream who have since "sold" the…
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Budget on a varying income?
Just after a bit of advice from some clever people. I get paid monthly, but a lot of my pay is commission based, i was just wondering how other people in a similar situation manage to budget properly? My basic income is very low and i couldnt base my budget on that and treat my commission as an extra which is a shame.…
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Ccj
I have been asked by a friend the following. I didn't know the answer. Thought someone on here might be able to help. She went on holiday with her boyfriend and both sets of children last summer. He arranged it and paid for the holiday. She paid for food shopping when they got there. They split up in December. He has…
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NDR Money
Hi everyone, am new to this so please can someone give me advise regarding a company called ndr money. I have recently ran up a huge debt with a catalogue and unfortunately fell into arrears hence ndr becoming involved, I am currently paying of this debt at £250 pm but whats frustrating in they refuse to budge on the…
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CPA Cancellation
Hi, I need to cancel a CPA, i will go into the bank tomorrow, however if I apply for a new debit card as mine conked out yesterday i presume this will also stop the payments going through?
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Help please to decide DMP, DDP or Trust Deed?
Hi, I've been reading some posts and after months of stress and worry I've just done a check on Step Change and decided we need to do something about our debt. We owe approx 52K on unsecured loans and credit cards. We went from having a credit card each and now it's snowballed into 3 each, upping our credit limits when…
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Hi my name is dixi and I'm a debt addict :(
Am feeling nothing but shame as I read the above ... that was me back in 2013 I was celebrating completing my debt free journey. 16 months is all it has taken to hit rock bottom again :( My new successful career and larger wage than I had ever received (by no means a fortune!), gave me a false sense of my own financial…
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Possible CCJ claim issued to previous address
I'm not sure if this is in the right place so please feel free to point me in a different direction if needed! My partner has reason to believe a county court claim form has been sent to him at a previous address in the last week or two - we have a post redirection in place but I have a feeling they will have tried to…
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Did you reply/read the thread
I have tried searching for a while, I was looking for a thread I had read and replied to about a week ago, a guy thought he, could end his life but before hand could work at reducing debt others wold be left with. Hope that makes sense bt I cant find the thread even though I replied to it.
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Advice needed - Being harassed for another persons debt
Hello, first time post. I do apologize in advance if this is not in the correct area of the board but I could not find a suitable location. I will try and keep it short but to the point. In January of 2014 I moved into a brand new built home as part of a new complex of new build houses and flats. Being new, some…
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Which bank account?
Hi to you all- I am currently setting up a debt management plan with step change and they have advised me to open a new bank account because one of our credit cards is with our bank. Do we need to close down our account? We have banked with them for over 20 years and would like to return to them in the future. Also- when…
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Who to approach about an old debt
This may be a long post so my apologies. Also details are sketchy as it was a long time ago but I will do my best... When I was 16 (mid 90's) a boyfriend convinced me to add my name to his bank account, effectively making it a joint account. These were the days when you could pay for your shopping with cheques as commonly…
