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Personal SOA when you live as a couple
Hello, Does anyone have any examples of the title; A SOA for an individual when you live as a couple? could you post so I can see how to set mine out? Many Thanks
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Splitting up & Debt
My neighbour and her partner are splitting up, and they have a lot of debt. She is asking for advice on what to do next - she has no computer and her phone is broken. We live very rural and the nearest CAB is a wee bit away and has no appts for two weeks. She just doesn't know where to start as they have a joint bank…
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CCA templates for agressive pursuer of debts
Hi Some years ago I was on here and got guidance for dealing with a company called lowell group over a non-existant debt with the phone company 3. Turns out one of my friends has the same problem. I followed a link I had in my email from years ago to find the guides and template letters but it looks like the info has been…
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taking my head out of the sand and terrified
moved to existing thread posted new thread in errror - mods please delete if possible thanks
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Credit card in credit!
I know that this may not strike many as a problem, but is as a result of over-settling my DMP almost a year ago (April 2014). LTSB has now been asked 3 times in writing (and twice with follow up phone calls) to a: refund a balance of £50.60 sitting on the card; b: close the account and confirm closure and c: (worth a try)…
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2006 debt being chased-threat to remove windows from house
In Dec 2006 I had 2 windows replaced in a house I was renovating and now live in; we wished for the other windows in the house to be replaced but although we chased and telephoned the company for 4 months we never received a bill for the first two windows or any communication from the company in question. So in April 2007…
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Wednesday 18 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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Secured Loan confusion, advice needed please!,
Hi All, I'm looking for any advice people can offer, I'm new on here so apologies if im posting on the wrong forum. We very stupidly took out a secured loan with Welcome Finance back in 2008 for £15,000. We have since been making our monthly payments of £323 each month without fail. So have so far paid back nearly £25K!!!…
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how to make a complaint to fca?
Hi, I'm hoping for some advice on reporting a catalogue company to the fca. I have been going back and forward with them for over a year now as i am experiencing financial difficulty. They are being very difficult, as expected, but i have continued to make the payment I advised i could (although this no where near meets…
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Pointers on which method to use
Evening all, hope everything's going well. I'm just after a quick pool of peoples' opinions on which route I should take regarding snowballing. My current debt is £7,254. I've used a snowballing calculator (source "what's the cost . com") and it says paying either interest or balance order, I will be debt free in 11 months…
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1st credit
Well having some stressful times at the min been reading up and have decided to join and try and sort things out. So I've had a lot of debts over the years worked hard got a lot of them down from help through family and now only have like 3 debts left my main concern is 1st credit now this is for a Loan through halifax…
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Wondering if anyone can advise
Right, I was with CAP - Have now taken on the debt myself, as my partner has now moved in. The debt is not connected to him at all - and so I want to pay it back. My debts are: Hitachi Loan - £3194.05 Barclaycard - £1771.89 Barclays (overdraft) - £917.75 Total Debt £5884.69 My agreement with the overdraft is £30 p/month…
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Can anyone advise on this?
We are expecting our 2nd child in a couple of months (already have a 4 year old). I currently work part time while daughter is in nursery (she starts school in Sept) but unfortunately will have to give up once the baby arrives as the cost of childcare for 2 kids means we would be worse off if I continued working. I'm not…
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DFWB LAZER - help restructure my life
I'm new to the Moneysavingexpert, but am ready to be an active member. I must admit, I am skeptical of the potential to save money, but I need to give it a go ... but dont know where to start. S.O.A. Income £GBP£ Monthly Salary............2,658............after tax Wife's Salary..............889..............after tax…
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I feel so rubbish
Hello, I'm looking for some advice. I split up with my partner; we have a child together, anyway we were apart about 2 years. We got together again after a 'break' and things are going really well, he has moved back into the home now. I was using CAP to help pay off my debts to Hitachi (Loan) and Credit card and overdraft…
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Partial settled accounts
Hi I was wondering how a partially settle account will affect my credit file and what consequences it will have moving forwards. I am currently in a self managed DMP and have 4 defaults on my account the most recent in December 2014. I have been offered a 75% settlement my a creditor and am keen to accept this to clear the…
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feeling stressed
First time here folks, long time lurker though. Having read a lot of DFW posts, I know that the amount of debt I'm in is nothing compared to some people but I just still can't seem to get rid of it and it is making me stressed day-to-day. SOA Monthly income after tax 1300 Partners monthly income 1100 Total monthly…
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Outstanding Parking Fine Debt
I think this is the best place for this, if not please feel free to move it. I have an outstanding parking fine debt with Marstons for £200. I phoned them yesterday to see if i could start a payment plan with them. I don't have any money until i get paid on the 27th. I tried asking if i could pay part of it off then but he…
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Tuesday 17 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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Help us cut back & how to plan a budget on zero hour contract?
Hi guys, I hope someone can help, we're just trying to kind of plan / budget etc and finding it really hard because my partner is on a zero hour contract and it varies WILDLY how many shifts he gets given every month. For example last pay cheque he got £1,200 because they offered him loads of shifts, and he worked…
