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Finding out who you owe
This is going to sound so stupid but over the years I have been very reckless single the age of 18 I'm now 34 I have had various phones contracts and store cards that I have never paid back and as a result my credit score is well not worth mentioning I have since got a mobile on contract which I'm paying for now and also a…
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Quidco?? Is it worth it?
Hi everyone, Seen this Quidco being mentioned a lot, I've signed up but just wondering whether it is worth it? Any stories?
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Any tips for managing money with a variable income?
Ok, so I've been lurking on this forum for a while now, and have picked up some great tips, it's also fantastic to know that there are so many of us in the same boat, as it can sometimes feel like you're the only one struggling away! I'm only 6 months away from the date I am desperate to be debt free by but I'm losing…
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Moving into a DMP household
Hi, Need some advice please... A relative is moving back in with her parents for various reasons. She does not have a permanent job at the moment but is earning as a supply teacher. Her hours and earnings are variable especially around holiday times which is the main reason she is moving back home. Her parents intend on…
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How do you stay motivated when paying off debt?
As a former 'bury my head in the sand' kinda girl, I am just wondering how other people stay motivated when paying off debt? I am doing my best to stay on track but occasionally it gets tempting to put the debt to one side and spend money like I actually have it!!! Any advice welcome 😊
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County Court Judgement - help!
Hi all, This is my first post although I've been reading lots of your posts here for a long time. Basically, when I was in my late teens/early 20s I got myself into some debt, well, quite a lot of debt. If I'm honest, I really still don't know how much I owe in total - but that's another story. When I was 19, I took out a…
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Notice of Intention to Enforce Money judgement
I am desperate for some help here. I was ill for about a year in 2012, fell behind with the mortgage, but have that sorted now, but also fell behind with Nationwide CC, kept them informed and tried to make payments every month, even a token payment. They continued to harass me, and I complained to the FOS, which were as…
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small claims court action cabot
hi i want to ask if being taken to small claims court do the debt agency have the right to claim the full amount stated by bank? i know they only pay a small amount for the debt, the reason being is i was still disputing amount of debt with bank and as they refused to freeze interest while trying to resolve this i stopped…
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Robinson b****y way
Good afternoon (first post so please bare with) My girlfriend has had letters from Robinson way debt collections. I have read some of the posts on here but can't find any newish threads. First they said it was for a loan that she had and then it was for a phone bill. All seems very wishy washy. Anybody around to help or…
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1st Credit And Refund Cheque...
Hi All, I have been sorting out old debts from my previous relationship and have received a letter that I have a silly question about. I sent a CCA request and 1st credit have written back saying they can't provide the information and as a result they have closed the account. They have of course said that if they can…
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Saturday/Sunday 18th/19th 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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Rant
Apologies in advance for what is inevitably going to be a rant... I'm so fed up of being on benefits while trying to pay off my debt. Does anyone else find it a nightmare trying to juggle mismatched income and being skint? It's so hard to keep track of it all, I get child benefit weekly on one day, tax credits weekly on…
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hmrc debt
Hi, Background: I owe £2500 for SA tax from 13/14. Haven't paid as yet as do not have money. On arrangement to pay until end of April but will not have money by then. I earn about £18000 a year through a PAYE job but the tax office will not use this to pay the tax bill as I did not tick appropriate box on the online return…
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Confused about partial and full settlement
Im just after someone to clear something up for me if they can. I am in a position to offer 100% of balance to 2 creditors which both debts have defaulted on my credit report. Does the default stay on your account for the full 6 years even if you pay the remaining balance in full. From which I understand is classed as…
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Please Help, feel like I am drowning
Hi, I am in a pickle. I have pretty much £10k in credit card debt and while I am making mayments regularly it is stopping me and my family being able to live our lives and is really starting to have a negative impact on my mental health. I am wondering if anyone has any advice of what to do, if the credit card companies…
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PayDay Loan Troubles
Hi, firstly sorry if this is in the wrong section. Just over 3 years I was student and stupidly took out quite a few payday loans. I started off with 2 but then ended up with 7 so that I could pay previous ones off as I wasn't working. Over the past 3 years I've been struggling to pay them off but have brought the number…
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threating letters from wescott
hi iv started gettin threating letters from wescott for a loan i got of oakam money store please help i dont know what to do im not working due to ill health shud i offer them a few pound a month
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ccj 2001????
i have recently been receiving letters from robinson way for a debt I do not no of. I wrote back asking for proof they have sent a letter stating it is a county court judgment issued in may 2001 I do not remember this at all please help with advice as what to do now ???????
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making progress
:beer:Paid off 2 out of 11 debts this morning and it fell below £3000 so I feel I am finally making progress:beer:
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Advise needed - Immediate Financial?
Hi So a few years ago I got myself into awful debt, and contacted Immediate Financial to get their help sorting me out. It was a combination of student overdrafts and graduate loans and credit cards combined with not earning a lot. In their defence they have paid off a lot of my debts, however I am still left with two big…
