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Wednesday 8th 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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CCJ sold to DCA
I have a CCJ and the company went into administration and has now stopped trading, I have now received a letter from a DCA telling me the debt is with them and they want to me to contact them to arrange a payment plan. Can this happen? Can I keep to the terms of my original CCJ, do I have to continue paying if the company…
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Bristow and Sutor...why?
Not so long ago I received a letter off Shropshire council concerning a debt for use of school transport, I couldn't afford the transport and I informed them of this, and basically nothing was done, no letters or nothing. My daughter left school in May 2014 and I received the letter a few weeks back, it was for £1033.00.…
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Debt free and proud - but now stuck with someone else's hassles?
Having been stupid in my youth and got myself into debt I am incredible proud to have dug myself the long and slow way and paid it all off :) but I now find my self struggling to deal with someone else's debt which we believe is intentionally listed to our address. *Please fee free to move if this post is in the wrong…
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Multiple debt-collection agencies calling - help?
Hi all, Came across this board while searching the net, so apologies for signing up and then asking for help straight away! 1. I had a call about two weeks ago from a number i didn't recognise asking me to confirm my details - I said, I can't confirm that as I don't know who or why they are calling. The guy then proceeded…
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Mortimer Clarke Solicitors / Cabot Financial
Hi all, New member, first post, so please be gentle with your replies :) I need sound advice on my next course of action. I have an alleged debt of £2.5k approx relating to a credit card. As a lurker on these forums for some time, I know a little about this process, so I wrote to Mortimer Clarke Solicitors previously and…
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Scottish Power Default
Hi All, I've had a good look through the website and learned a quite a few things, however would if possible like a bit of further clarification on the matter. Bear with me as this might be a bit long winded, but its probably easier if I give as much detail as possible. My other half recently checked her credit file as we…
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Rossendales lying
Ok...so stick with me. I retired last year when I had outstanding money owed on the council tax which was being taken from my wages directly. I retired and in turn stupidly forgotten about it. I received a letter a few months ago from Rossendales I offered 100 a month as I am on a state pension, the young man on the phone…
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Consolidating large Debts
Hi all I have been advised to post here for advice. Between us we have 42k outstanding on credit cards, 263k on Mortgage (recent house valuation is £410k) and roughly 10K car loan. Credit card payments amount to £700 a month Mortgage payment £1300 a month Car payment £200 a month I had been advised to remortgage to…
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9yr old loan..is it statute barred?
I have just received a letter from MK Rapid Recoveries. Its for an old loan from Welcome Finance. The loan was taken out in 2003. It was in the joint names of myself & my ex partner to buy a new fridge/washer/dryer etc for our house. The paymenrs were set up to come out of his bank account. We broke up in 2006, at which…
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Partner is in a panic
Several years ago ( prior to 2008) my partner got into quite a large amount of debt with RBS on a credit card. She offered to repay a set amount each month which RBS flatly refused. She then went to CAB and they handled everything for her (she is dyslexic) and an amount of £5 per month was agreed, which was considerably…
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IVA and Ppi claim
Hi, can anyone help please, I was in an iva until Feb last year and whilst in my iva I was asked to try and claim back monies previously paid under ppi. Whilst many paid out I have today found that one has eventually agreed to pay (it has taken 4yrs for them to say they owe me anything) It is now over 6yrs ago that I…
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light at the end of the tunnel
Back in 2013 i applied for more credit to buy a motorcycle and was declined...never been declined in my life before and i earn £40k. I tried all sorts to get a loan...all to no avail. In the end i sat down and looked at what i owed, £38,000 in unsecured debt and was using payday loans. I put my heart in too becoming debt…
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Online course refund??
I enrolled on to the Harriet Ellis national diploma in dental nursing course in November 2014. This was the online course option and cost £1200. I have decided to drop out of the course as harriet Ellis are not providing me with support I need. I am working in a dental practice one day per week voluntary as harriet Ellis…
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In need of help!
Hi I was hoping that someone could help me with a company called Are You Owed Money (used to be called Sentinel debt recovery) I had an outstanding debt with a garage for a repair which needed to be carried out on my car which in itself is a long story, but anyway i owed £900 and was contacted by sentinel to pay off this…
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Loan or not to loan paying off debts
Hi there hoping you can help me. I'm looking to have a bit more money per month for savings and for emergencies. I'm a new home owner with mortgage and getting married in May so looking to do the best with money and turn over a new leaf. I was hoping to pay off existing credit card and car finance these are only debts I…
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trying to help my son..
Hello all My son and his wife jointly own their house which is mortgaged and they are paying this on an interest only basis. This mortgage represents about 70% of the current value. Due to there being a second charge on the property which I hold (I lent them some money a few years ago) which is NOT being paid in any way…
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Tuesday 7th 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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trying to clear debts before things get too bad.
Hi all, I am new to this forum, basically i am after advice from people who clearly know more than i do. Here is my situation, 5 years ago i lost my job and could no longer afford to pay my direct debits and credit cards, like a fool i buried my head in the sand and know i would like to rectify this as i am due to be a…
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Full & Final - CapQuest & others
Hi All, Ive been trawling through this site checking all the posts for many months. Finally thought I must join tonight and post a question hoping someone with more knowledge than me can clear a few areas up for me. I tried reading other post and I'm now even more confused ! First a bit about me: - Over comment on debt…
