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Partner with debt - getting worse.....
Hello Feeling down about recent news about my partner's debt. We only recently moved in together. Prior to us moving in I had found that she was in debt. This came to light when I was abroad and she was booking a holiday to see and could not afford it. At this time, I loaned her the money (this was about 18months - 2 years…
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Small Business Debt Worry
I own a small shop in a small market town and have always paid my suppliers pretty much on time and rarely more than a few days late. However, following very difficult Summer 2014 and Autumn/Winter 2014 seasons in which takings were severely down on previous seasons, my business has had a major cash flow problem! Due to…
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Jacobs Enforcement Agency
Hi there. Today I had a call from my father whilst at work stating that my mum had received a bailiffs letter through the door in my name. She opened the letter because it was already open and she couldn't see the name it was addressed to. It was from Jacobs Enforcement Agency stating that I had to pay £392 (Which was…
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MBNA - Arrow Global - MoneyClaim.gov.uk
Hi Everyone, I'm really stuck, and need some advice please. A few years back I had a credit card with MBNA, which I thought I'd cleared the balance of, and closed. Today, out of the blue I've had a Claim form from Arrow Global (Guernsey) via Blake Lapthorn (Portsmouth), it's directing me to money claim dot gov dot uk I…
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Fixed sum credit agreements
Just come across this whilst browsing the other day, don't know if anyone else is aware of this. Since 2008, anyone on a fixed sum credit agreement, for example, a loan or car finance, is supposed to receive a statement of account, at least every six months whilst the account is active. If the creditor fails to provide the…
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need out of debt
1st ever post and a little nervous don't even know why. I got myself into huge debt of nearly £40k with loans credit cards overdraft and pay day loans , I went into a dmp nearly 2 years ago with a company I paid. I have now moved to Payplan i hope i have made a ok choice as not seen anyone speaking of them on here, Anyway…
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identity theft and treatment from payday loan company
Good Afternoon Please can I have some advice? My partner and I are looking to buy our first home together and want to use the Help to Buy scheme. We picked the house out, did some initial sums and decided that we could afford the repayments. We went to a mortgage company and both obtained credit reports. I have a…
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Sorting separation agreement - Loan in my mother's name
Hello, My wife and I separated last month and I plan to create a draft Separation Agreement to take to the solicitor's. When we got married my mother paid approx. £6000 on her credit card on behalf of both of us for our Wedding and as a couple we have being paying this back every month with a set amount. She also took a…
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SOA for scrutiny!
Hi everyone, Could I have your suggestions as to the best way I can pay off my debts please! I've managed to negotiate either reduced or zero interest with creditors so almost everything I'm paying to them is coming off the balances. My current DFD is May/June 2017 at my current rate of payment. I'm lucky that I work for a…
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rossendales/council tax
I received a letter off rossendales(£490 council tax) and i made an offer to repay £80 a month which they refused and instead asked for £245 per month( i dont even earn that in a week),so i called them and found them to be rude and hostile My wife suffers from depression and anxiety and im worried how she would cope…
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Yey! Charges dropped from Vodafone.
So at the moment i'm paying a whopping £43.50 a month for my mobile contract, yes I know...I've tried but can't get out of it, roll on June 2016 when I can finally reduce it to one of the many great 30 month rolling contracts (Virgin have a fabulous deal at the moment for £15 p/m). Anyway we've yet to get a house phone in…
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Thursday 19th Feb. 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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Electricity Bill from old house
Evening folks We have recently recieved a letter from a debt collection agency regarding an unpaid electricity bill from the old house we lived in. We changed to a new provider 3 years ish ago and then moved into a new property 2 years ago. I have contacted both the debt agency and supplier asking what the debt was for as…
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Which debt to pay first?
Hi, I've been fighting back against my debt for a while now, since a spectacularly bad flat purchase and sale left me £30k down, mostly on credit cards. I've got this to £13k now, with £5k of it being interest free till December and the rest 6.9% for life. I've got this far by cutting expenses (like tv license/tv packages,…
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How to spend Bonus when DFW
So ive been told im getting a bonus of between £2,000 and £3,000. I was just going to use it on paying off debts (will pay off about 20-30% in one go) but wife saying i should keep some back for myself. Im keen to use to pay debts as it means we can start saving for other things we want to do sooner. Just interested to see…
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Pay high interest credit card with free overdraft???
Hi, I wonder if you can help me... I am currently paying off debt, I have some that I have managed to move to a 0% credit card but I have a small balance on a credit card that i am paying interest on and it is winding me up!! I was wondering whether, in order to pay the credit card off quicker, it would be wise to use my…
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Guarantor agreement
Hi all, have previous threads on this but looking for advise on the legality of this guarantor agreement please as we are rapidly losing patience with both the LL involved and the tenant... Currently facing court action for rent unpaid as well as £500 of fees when the LL haven't even instructed a solicitor according to the…
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sell house and rent back
Hi has any one had experience selling house to a company and renting it back
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worried about DMP change in circumstances
Hi. About a year ago my OH and I were struggling as one of us was out of work and we couldn't handle our debt of about £18k with cards and loans. We joined step change who based on our details were able to set us up on a DMP lightening the load. They also said wait a few months to get back on your feet if your…
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Please help me sort out my finances
problem solved, thanks all
