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Stick with CCs or get loan?
Hello, new to the board and after opinions please! Apologies for long post. I have about 10K worth of credit card debt. I know this isn't great, its due to a temporary drop in income while I was retraining for a new profession (and a bit of overspending, can't deny it). I'm now qualified and in a permanent job with a…
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I need your help.
Hello everyone. I want to be debt free. I have amassed just under £10,000 credit card debt over 4 different cards and its starting to be a real burden on me, though the problem is, I’m not technically struggling. I make the monthly payments and sometimes, where I can, I pay over the minimum requirement too. My real issue…
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Time to buckle up, my LBM?
Hi all, Lurker here deciding to take the plunge. I've been reading a few bits and bobs around the website to try and help my finances but sometimes my motivation, alongside life in general, puts a stop to any such plans. Decided that if I sign up, and post regularly I can keep a closer watch (& hopefully with some help…
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Debt Advisor
Hello Can anyone please give me the name of the debt company set up by the government? Thanks Ollie
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Shop Direct - should i close account?
Hi I have an account with K&Co (balance £55) and also one with Very (balance £150). the Very account - it has better products and can you pay 3 months interest free. the Kays one has a credit limit of £5.5k but everything is ridiculously overpriced. They served their purpose - got me out of a few tricky spots a couple of…
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F&F to my creditors but in DMP?
Hello I hope/wonder if anyone can offer any advice. I'm in a DMP with Payplan, owe £4.3k Buchanon Clark and Wells (Tesco Car Insurance) £70.25 Cabot Financial (can't remember what this was for!) £1266.08 Direct Legal (CitiFinancial credit card) £666.99 Halifax (credit card) £955.99 Dorothy Perkins Store Card £269.63 Next…
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I want to join Debt free group
Hi How can I join one of the debt free groups. Really interested and could do with the help. Thanks
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charges against the property
1 How do i remove the charges 2 do the companies accept installments and will the charge be lifted straight away or until debt paid . 3 and what do redemption charges mean. the reason i am asking this questions are i am coming off the mortgage. we can complete the transfer of deeds until this is sorted.
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On a DMP and fixed rate on Mortgage is up what can I do?????
Hi. I have been on a DMP with payplan for the past 2 years. My fixed rate mortgage is now up and I am unsure what options I have. Can I get another fixed deal or will I have to stay on the standard rate? Also if I speak to my provider can they refuse my mortgage all together and would force me to sell or are they forced to…
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Wednesday 4 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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iPhone app to manage debts using snowball method
Hi guys, I developed a simple and intuitive iPhone app to help us manage our debts better using snowball or snow avalanche methods. The app is free and will remain forever so. Any feedbacks or feature requests will be much appreciated! appstore.com/debtplan
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"'Newbie'' Topher85", hi to All.
Hi,and thank you,to all that have helped/advise,I have taken,''before'' registering. Not sure if I have made a real 'Faux Parr',RE: Balance Transfers,as I read your item on the marks and Spencer credit card and te 0% period,before date and coupon,sect,and I THOUGH this would solve my ongoing financial 'hic-up'. I am…
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How to repair damaged and incorrect credit record?
Few months back I have received letter from company called Lowell claiming that they purchased my debt of 29 pounds from t-mobile and that I have to pay it to them now. Unaware of any debt I considered the letter scam. However, later I checked my credit reports and found that there is a default from t-mobile in the value…
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Avon??
Hi, over 4 years ago my girlfriend had an avon account and sold their products at work and within our estate where we lived at the time. She got bored with it a few months later and paid her last bill to them and that was that. Today, in our second house since then (we lived in a private let, then moved in with my parents…
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Dilemma: to stay or to sell up and go?
I have quite a dilemma on my hands. We've sold our house and the sale is taking ages to go through and has been an absolute nightmare. We're having serious second thoughts however, and I really need some true opinions on whether we should back-out or carry on with the sale? We decided to sell as a route to clearing £20k of…
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Wrong default date on credit report
Hubby has finally got his credit report and on one of his accounts the default date is wrong....... In 2010 he went car shopping was persuaded to by a £10k car......silly boys and there toys realised he couldn't afford it and never paid a penny towards it which shows up on the report, he handed the car back and the finance…
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Taken To Court.
I am not sure what board to put this on, but hopefully here goes. Can anyone tell me what the situation would be if you were taken to court on a civil matter and lost the case and were told that the plaintiff had been awarded money plus costs. There is no money to pay either the costs or the award. The person defended…
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Terrible with money ....
Ive been visiting this site occasionally as I`m trying to be better with money.. I am married, have 3 children and am bad with money... I have 7 defaults registered against me and they are all for low amounts..It hasn`t even been beyond my means to pay them as I earn a pretty good wage, its just that I am so bad with…
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Springcoin Avant Credit nightmare......
This company is driving me mad to the point of trying to juggle work and suffering sleepless nights. It's now affecting me mentally to the point of severe depression and that feeling of hitting a brick wall with these idiots. I entered a dmp with Stepchange 2nd December and Springcoin continue to state no documentation…
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Last place to turn, advice much apreciated!
Hi guys and gals, I am 20 and for 2 years now i have been struggling with a low income job, 1 capital one card in arrears and 2 bank account overdrafts that are maxed and eat up my wage alongside charges within a week of being paid. Lately i have had to use payday loans to get through the month and have paid all of them…
