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Tuesday 28th 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 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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Claimant & Defendent Lawyers Have Billed Excessively.
A case was made by a family friend of ours in Dec/Jan and he lost the case. Long story short the two defendants collaborated and the judge sided with them. !!!! happens I guess, I wasn't in court so not sure what happened fully. The court order that was asked to be paid to the defendant has been. Judge also ruled all legal…
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Employer not deducting pension contributions
Hi all, I've recently left my employer to move to another company. My old employer emailed me today and said they have not been deducting my pension contributions from my salary for the last eleven months (but they have been paying my pension contributions via a direct debit to my pension provider). Hence me getting full…
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HSBC won't close my account...
Hey guys, been a good while since I was last here. So I managed to pay off that behemoth 4 grand I owed HSBC, largely due to their incompetence. Big hurrays! I paid it off, and called them to close my account with them on the 2nd of December and felt as free as the wind blows. Why they make you call another number to…
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pra group account on hold
im currently on a dmp with stepchange and recently sent a cca 78 request to pra group ( old mbna card) they have sent me a letter sayiny the account is "on hold" and need to wait 80 days to see if they can find my signature. so.. do i need to send an " account in dispute" letter after the 80 days or should i just stop…
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Confused and would appeciate advice re: default/DMP/credit/F&F
Hi all, I'm hoping someone can help me. I thought I understood a situation I'm in but now I don't! About 12 years ago, when I was 16, Halifax gave me £1000 which I happily spent and didn't pay back (oops!). It got the point I was getting charges and interest and I contacted CCCS to arrange a payment plan. I have since been…
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Ridiculous charges and deep trouble
Hello I am hoping for some advice. Please don't judge me I need to know if there is anything I can do. Very stupidly I got a varooma loan on my car last year. All was well for a period of time and then a payment was missed (November last year) and I was whacked with massive charges and the car was taken. I paid through the…
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My 12 day mini skintness challenge..
Thanks to unforeseen car repairs and 90% of my monthly bills going out at the start of the month, this has left me very short of money until I next get my ESA and PIP in 12 days time. Until then I have £114.70 to last me and pay for literally EVERYTHING else for one adult, 2 kids, 3 cats and 4 chickens. That includes food,…
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Monday 27th 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 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 dealing with apex
ok so Im sure many of you have dealt with this company before, so you will know just how relentless and sneaky they can be, they have had my debt for years and I pay on time every monthy with out fail, a couple of years ago I wrote to them asking to only be contacted by mail, which worked for a couple of months but now…
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Not been honest and need to face up to the debt
Hi I have reached a point where I need to tackle my debt head on before the situation gets any worse. I have about 13500 in debt owed to three credit cards (about 9000 is 0% interest). My husband knows I have debt but not the full extent and I know I need to face up to it and tell him. He's always been supportive but I'm…
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Pension or pay debts?
Hi All, Not wanting to be a clich! but long time lurker and rarely posting.... I was really hoping some of the experienced DFWs could help (or anyone to be honest). I am married and have x2 children and have managed to rack up £33,000 unsecured debts (£25,000 loan @ 7.2% and the rest on an interest free balance transfer…
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CCJ Confusion
Hello all thanks in advance for taking the time out to read this. I got a CCJ back in Nov 2011, which i only recently found out about by getting my vredit report online, Anyways as much as i ant to pay it i dont want to reset the date on it, IE if i pay it will it stay on my report for a further 6 years from the date paid…
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Newbie, scared, confused and needs help, please!
Well, not new to debt, as now in my late 30s I have had some sort of debt since my late teenage/ Uni years. New to wanting to sort it once and for all. So, the current position is that my DH and I have £25k in credit card debt. We know we need to re finance some how to get rid of it. Today, somewhat foolishly, I know…
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Debt Settlement
Hello, I'm new on here. I'm looking for some advice on settling debts. I have around £25k in debts to 15 creditors for loans, credit cards, pay day loans etc. All are in defaults. 2 have CCJ's. All of my priority debts are already cleared. I have fortunately come in to some money and have £15k which I can use to pay the…
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Court letter received - notice of legal action - held needed!
Hi All I came home today to a recorded delivery letter (signed for by my 17 year old) which stated on the front of the envelope, 'if undelivered please return to ****** Sheriff Court. I had no idea what it was about. With an increased heart rate and in a state of confusion, I hurriedly opened the letter and attempted to…
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Secret Debt
Hello all, Thought I would introduce myself to you all. I'm a 29 year old male, and I have just under £50k of debt with nothing to show for it at all. The worst thing, is that my partner doesn't know about it. My mum knows about it, and £12,500 of that figure is money that she has lent me. So, the remaining £37k of debt is…
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Dmp
Hello First time poster here. Just going through setting up a DMP with Stepchange. I've set up a basic bank account with Nat West and paperwork should be here next. I'm after some advice as to what to to next? Di need to contact my creditors now and ask them to freeze my accounts? (Apart from the bank I have my overdraft…
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Scottishpower refusal
Hello. I received a final demand from scottishpower today for an amount that I owe them. So I rang to inform them that I am with Payplan Plus, and they will be offering a repayment figure. However, the gentleman on the phone said that they don't deal with Payplan, the only company that they deal with is the national debt…
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urgent help with CCJ
Hi all Thanks for reading got a major issue. My mother had a claim pack that was filled in and sent back. The company wanted us to fill in one of their forms which we did not have to do. Now we have a CCJ that is saying that we did not file anything when we posted the claim form. One bouns in all this is that we have a…
