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Am I being unreasonable to think this could be a solution?
I'm wanting to garner opinions as to whether I am being unreasonable to think that this could be a solution to our problems. I'll outline the problems (i.e. debt) first, and then the potential solution. Between DH and I, we have £8,300 of debt between three different overdrafts and a credit card. This is all debt foolishly…
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Let's get this paid off - diary of a trier
So long time lurker of the forums but now it is time to get my head out of the sand and get my bum into gear - I am hoping this diary will keep me focused. I am a newly married laaaadyy wanting to get on the property lady so need this debt gone! My signature shows my debt but will post here too: Credit card 1 - £439.94…
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Newbie with a small(ish) debt ..
Hi, Hope you don't mind me sharing my story .. 3 years ago, I was in a good marriage (8 year relationship, 18 months marriage), he earned a good salary and I was lucky enough to be a stay at home Mum with our 2 daughters. He was a manager where I used to work and asked me to return on a temp contract, good pay, so I took…
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stevey105 - debt collector seeking restriction on house.
a debt company is going to court to put a restriction on my house on the 15/5/15 what does this mean and do i have to attend court or not and what does this mean to me please can you help me thank you
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Self Managed DMP Query
Hi, I am thinking of going self managed with my DMP (Currently with SC). This is because I have several accounts that are just sitting at "Arrangement to Pay" on my credit file. I want these to default. My plan is to pay the creditors that have already defaulted me the usual payments after sending them letters advising of…
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Debt Free and Mortgage Plan!
Hello, I am looking for some advice if possible! Me and my partner are currently renting a flat – he has no debts other than car finance and I have a credit card with £4,500 and a loan with £5,000. We have both decided that in the long term it would be best to move back in with our parents temporarily – I will be able to…
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Some advice on debt agencies please
Hi all, thanks for reading, So about 10 years ago I took out a loan of £7000 (I was young and silly :P ) from Santander, then Abbey National. After a few years I ran into some money problems and couldn't afford to pay back the loan, which, in turn went to a debt agency, Moorcroft with an increase of £4000 taking the total…
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Noddle credit report not showing a settled credit card
Hi everyone. I'm debt free now but had a halifax credit card (as well as another 2 credit cards). I went onto an arrangement with CCCS and paid it all off about 2 years ago (the account had a default) and it has been on my records up till this month on my Noddle credit record. It has just disappeared which is really odd. I…
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general election 2015?
Hi guyss, Unsure wher to post, I am looking at trying to get hold of a bit more information on who is best to vote for, someone said about a manifesto but cant seem to find this, wanted to vote for someone who will bennifet me, thanks
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Thursday 9 April - 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 canceling 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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DMP and Mortgage
We now have a DMP with Stepchange. Is there any chance of getting a mortgage during a DMP or will it be years after we've finished our DMP?
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Started own DMP -Creditors slow to respond
Hi all, I need some advice please. I've just started my own DMP with thanks to CAB website. So far I've had two responses from my creditors. Both agreeing with my payment proposals. I'm due to make payments at the end of April, but what shall I do if I haven't heard from all of the creditors by then. Shall I just send a…
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Up to my neck in it...
Hi, I'd be very grateful for some advice from the here assembled... I've racked up close to 50k in CC debt and I can't make the monthly payments any more. I've had a look at the CAB website and the plan is to contact my creditors and ask for the interest to be frozen and payments to be either drastically reduced or stopped…
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Phone Number
HI I was called today by 01549 595569 I googled it and nothing came up... I found the code is for Lairg in highlands but don't know anyone there, On calling them back I get a recorded message with can you call rivenden Later or something similar.. can't really understand who it is does anyone know?
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Halifax Overdraft collections/recovery, please advise!
I have a £1400 overdraft with Halifax that I fell into trouble with when I was made redundant. Collections set up a repayment plan where I could pay £25 per month to reduce the balance, and would not incur fees. This arrangement has now ended, I am still not able to pay off the outstanding amount in one lump sum so I…
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Advice needed urgently please
Hi there, I'd appreciate some advice in helping me to sort out my current situation. I've tried to keep it brief but also to add all salient points. I was divorced 12 years ago, stayed in the family home with my 2 children who were 17 and 14 at the time and bought my ex husband out which meant extending the term of the…
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Advice needed re: DMP & Overdraft withdrawal
I am in the process of setting up a DMP with Stepchange. One debt I have which cannot be included in this is a small business loan, I have missed several payments so last week the bank withdrew my Overdraft from my personal account. Unfortunately the letter regarding this reached me several days after this happened and I…
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Young & Dumb take 2!
Hello all! I used to have a debt free diary but so many things in my life changed I just gave up on it! I want to pay off my debts and also save for a mortgage deposit! Me & my boyfriend are saving together I currently have £1000 and he has £3500. I work full time and also do a full time degree funded by my work place. My…
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Debts vs pension
I need some financial advice, on behalf of my partner, so that I can try to convince him to pay off his debt. Sorry if this turns into a bit of a rant. My boyfriend graduated and got his first job August 2012. He graduated with the standard student debt but also a £2k overdraft. Since day one I've been encouraging him to…
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Urgent help required please
Hello everyone I hope someone can give me some advice. I had a few debts in the UK, credit cards, overdraft, and mobile phone contracts etc, amounting to approximately £8000. I was self-employed in the UK but work was not always stable, but I had kept on top of my debts and had nothing more than a few late payments.…
