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Newbie
I have never counted my debt before - it's scary!! I will cut back on spending when out e.g. food & coffee. I have already joined a cashback site Stopped smoking so hopefully I will start to reduce debt rather than add to it. Aim to update monthly
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Sat/Sun 7th/8th Feb- What Small DFW-Style Things Will You Be Doing 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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Pls help me with Lloyds/MKDP debt
Dear fellows, Please guide me that what should I do under following situation? I had an account with the Lloyds Bank with the overdraft limit of 500. The account was over drawn by 215 and I got late on the last 2 instances due to financial troubles which resulted the Lloyds closing down the account in May 2012. I had to…
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I Have This Dream
My hubby and I have approximately 8 years before we can retire and draw our pensions. If we sell our current property we could buy a decent sized house with land in Norfolk and become mortgage free. I am thinking along the lines that we could rent out the Norfolk property and rent locally here for our work for the next 8…
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Help Required - Hounded for a settled debt
Hi There, A little background: a few years back I moved into my first flat, and was automatically signed up to a company called Spark Energy in the smallprint of my contract for all energy supply. The company were expensive and over the course of a year I made several failed attempts to move to British Gas as they would…
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Joint loan - making other person pay
Hello all First off, there's some background to this here - https://forums.moneysavingexpert.com/discussion/5160722 I've successfully paid off the loan in my name as that had the highest interest rate and it now means I can concentrate on the outstanding joint loan. Me and my ex partner split up last year. We had a 125%…
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An Update and thank you
I first joined this site a few years ago when my debt was so out of control I didn't know how to tackle it. I have been on a very long journey and although I do not post, I am an avid reader. I think I have been quite selfish in not sharing or thanking people, but we all have our journeys to make, and this was how I dealt…
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bailiff problems need help fast!
Hi, not sure if I'm doing this right but here goes. So I have a bailiff that keeps attending regarding council tax. I haven't let him in my property. I've called the council to request my debt be transferred and they refused. I had an agreement set up to pay£15 p/w but faltered over Christmas due to my partner not having…
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Moorcroft / Natwest CC
Hello I hope someone can advice me I am looking to extend my mortgage, however have been advised by my bank that I can't at my current rate as I have a CC which is getting paid off through Moorcroft Debt Recovery, which I have been paying happily at £30 a month for the last 3 years (stupidly). They say I need to clear this…
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urgent advice needed please
Hi. My husband and I have separate bank accounts. I am the only earner as he had a stroke and now is unable to work. I get my income and CB paid into my account and he get his DLA and CTC paid into his. Most bills are on my name but he has two on his name. Although a bit tight, I think we have enough money to cover all,…
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B136 (CO) - Advice please
Morning, I wonder if you could answer a question. We have a B136(CO) registered on our property. We are still paying off the debt through Marlin, who were not the company that ordered the charging order. Marlin keep sending us the usual letters saying if we pay within 7 days we can pay just 50% of the outstanding amount.…
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Friday 6 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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CapQuest Orange CallCredit
CapQuest Orange CallCredit Hi I'm not sure where I should put this sorry if it needs moving I don't know. I had a contract with Orange; I missed a payment and it defaulted. On my CallCredit report it shows up as account started: 11/8/2009 defaulted: 12/04/2010. I made weekly payments of £20 by standing order between 6th…
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Made it.
Although I've not been on these boards for some considerable time I always vowed that I'd post once I'd completed my journey to being debt free. Well here I am. My journey started in 2008 when I faced up to the fact that I had just short of £50,000 of unsecured debt. I was reading this forum constantly and it was where I…
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Banks keeping records of old debt
I've looked in the usual places for an answer but can't find anything so hope someone here may be able to help with this scenario. Over 15 years ago, a person defaulted on a loan and overdraft which still remain unpaid. They have nothing since and nothing shows on any Credit Reports. They want to go back to the same bank…
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Ex-husband has gotten £15k debts in my name
Hello, Last month I found out my husband of 8 years has taken £15,000 of loans in my name. He has suffered a severe gambling addiction for over 15 years and despite us trying everything it has got the better of him time and again and with a young baby son I have decided I can't take anymore. I have always tried to be…
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Lcs
Hi Folks, In need of opinions. A letter was received today to my parents address with the names of my flatmate and myself from LCS. This surprised me. Of course my initial reaction was 'oh my god i've only just got debt free', but this letter isn't asking for money...see below Dear NF and KO Our case ref: xxxxxx RE: [Your…
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£1000 a month debts and about to start Maternity Leave!
Help! My partner and I spend £1000 a month paying back credit we have borrowed - this breaks down as £500 per month car finance, £400 per month over two 0% credit cards and a £100 a month personal loan. This is on top of our normal outgoings which amount to approximately £1500 a month (rent, bills, fuel, gyms, phone bills…
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vodaphone/ capquest.
I had a debt with vodaphone in 2009 from a disconnected phone. The total was in the region of £820 It was referred to capquest in 2011 when I paid £100 off and when I tried to pay £100 the following month they claimed it was now back with vodaphone. I have tried to contact vodaphone several times to pay this off but…
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What should i do with defaults on my account?
I am reading mixed reviews about what to do with defaults on my credit report. I have 4 Defaults which are listed below. Capquest Investments LTD £ 244 09/01/2015 Default Date of default 08/06/2009 Lowell £ 974 23/12/2014 Default Date of default 10/01/2011 Lowell £ 3,001 23/12/2014 Default Date of default 20/08/2010 Lowell…
