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Friday 24th 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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Charging orders
hi ive just recently applied for a re mortgage and a search has been made on my property the thing is an old credit card from HBOS has appeared on my register it says a Charging order. I had no idea where this has come from so i rang Cap quest (the debt was sold to them) Cap quest says its a debt that they bought of HBOS…
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Does anyone have an Argos store card??
D'ya know, I plan to pay off my debts and everything goes ( .Y .) up. I logged on to my Argos online account to be a good little debt buster and make an EP and the option for making a card payment has disappeared. Does anyone have one who can check their online account to see if this is a problem with everyone or just me?…
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Advice with Lowells - having fun
Hi guys. Thought I'd finally join the fray after a long time reading, lurking and generally soaking up information. Glad I did as I've decided on behalf of my daughter to take on your favourite DCA and play letter ping-pong with the knowledge that I'll most probably have to pay in the end. First of all, no problem paying…
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Statute Barred?
Hello, What appears to be a CCJ plopped through my letterbox this morning, as a new user I can't post links but it's i.imgur[dot]com/FZj4Sqr.jpg Relevant text reads: "THIS DEBT WAS ASSIGNED TO / PURCHASED BY Lowell Portfolio I Ltd, ON 02/01/2009 AND NOTICE SERVED PURSUANT TO THE LAW OF PROPERTY ACT 1925" 02/01/2009 is 6…
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Sainsbury trying for ccj after 7 years
Just when there seems to be light at the end tunnel last 6000 to pay off , after owning nearly 70000, a default account with a payment arrangement in place from 2008 default should have gone in sept 14 re registered by them complained had it removed same happen again and and again today told by there collection agent they…
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Help Please - TalkTalk Debt
I made a financial decision to cut off my home phone and broadband for financial reasons after my income dropped dramatically and I was left only with my ESA to live on and keep my daughter and myself on this while she finished college in the Summer. I asked them to do this which they did but charged me 90 quid and then 20…
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Gym 1 month argument - is it worth the battle or let it go into DMP?
Hi all, Just wondering whether I should gear up for a battle with a gym or just not bother and pay up. Long story but basically I worked there, was treated badly, sacked off with no notice so down £200 a month, had a membership so cancelled the membership on the 2nd of the month. They said oh you need to give a month's…
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Mini victory
Although I am not in debt, I am really trying to overhaul my spending and start a savings pot for the future. A little victory has occurred - I get paid tomorrow and I have not gone into my overdraft at all this month :T so I will have no overdraft fees this month. Woohoo! I have been focusing on not wasting money and this…
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Thursday 23rd 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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Interest on family loan!
Hope this is in right section. Borrowed 15k off my mum about 5 years ago, had a few payment holidays along the way but now have only 2 x payments left( £800) Obviously going to give me mum extra for the interest she has missed out on by her lending me capital. So how much has she missed out on by not having this 15k in a…
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Left with my ex's debt in my name how to move forward??
Hi, I'll keep as short as possible, Basically I have credit cards in my name which where taken out on behalf of my estranged husband. I know this was foolish but we had been together a lot of yrs at the time, now I have been left with just over 14K in debt & have 3 kids to raise with only JSA & tax credits coming in, He is…
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Howard Cohen Solicitors
I'll try and cut a long story short. Partner and I have had awful debt like most here and slowly have repaid everything back. Just as are nearly clear another debt of my partners resurfaced. After 5 yrs of no contact Howard Cohen write demanding £6k. Partner knows this is for a loan taken out in 2009 but he can't remember…
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How will 5 year old defaults affect credit rating?
Hello, I have 2 current defaults on my credit file (both of which are being appealed). Both are from April 2010, and both debts become SB in August of this year. I am in contact with both debtors with the 3 letter process and nervously awaiting any action they may take before August. My question is regarding the affect…
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What to pay to clear debt and look towards a mortgage
I am on a DMP paying £268 a month (Below rounded up) HALIFAX PLC £514.00 paying £99 with no interest (Showing as normal payments on file) IDEM CAPITAL SEC £418.43 paying £77 with no interest (marked as DMP/AP) ALLIANCE & LEICE £2,229.82 (£500 is interest \ arrears) paying £57 not sure of apr (Defaulted and comes of credit…
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LBM in January, just relapsed, adivce please
Hi everyone. In January I realised I have to get my debt into control and sort it out for my own peace of mind. At LBM I was in 4050 pounds of debt. In Feburary I was given 2k I was owed from a previous employment. I spent 1k paying off debts and put 1k in savings. I started chipping away in fairly large chunks each month…
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Equita troubles
Hi, I've been reading several threads about people dealing with Equita and their various agents. My situation is as follows. In March 2014 I moved into a new rented property and registered with Lambeth Council. Several months later (I can't right now, remember how many) I received a letter stating that I was in CT arrears…
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overdraft fees and charges
Hi, I understand that if you are in financial hardship you can claim back bank charges. Well I think I fit in the criteria and would like to attempt to claim back. Can anyone tell me if I can claim back "planned" overdraft fees? Or is it just unplanned overdraft fees? Also I currently have a halifax ultimate reward account…
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EE Closed my account! !!!!!!?!
Hi everyone, Just wanting to know what peoples opinions are on this. I'm not happy at all. I have a contract phone and tablet with EE which I took out April 2014. In November I gave the tablet to my sister who ran up a huge bill so I swiftly took it off her. I had to put an arrangement in place to pay off the huge bill…
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Wednesday 22nd 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…
