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Should I pay off my Student Loan?
Hi, Apologies if this is not posted in the correct forum. I currently have £8400 outstanding on my student loan at 1.5% Apr . I am very fortunate to be in a position where i could pay this off,without impacting on my emergency fund. However, I would like to buy a house this year and that £8k would be a great addition to a…
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Paying Off Credit Card With Gumtree / eBay!
So I have £2,046 sitting on an interest-free credit card for the next couple of years. Going to try to pay it off entirely using sales from old [STRIKE]junk[/STRIKE] treasures in the garage / cupboards! So far: 16th April - two Calor gas bottles £15 - leaving £2,031 17th April - Calor gas heater £20 - leaving £2,011 Got a…
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Early Settlement Figure
Hi Just wondering how you go about applying for an Eearly settlement figure and what kind of % people have had to pay back. My GF is paying back £50 per month on a debt of £4k - its going to take about 7 years to pay so I have been trying to get her to ask for a settlement figure but if the reduction was only about £500 it…
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Mortimer Clarke chasing a satisfied debt
Hi I've had a letter for Mortimer Clarke solicitors today stating they've taken over from Cabot regarding a debt of £250 from Next account I had in 2006. The thing is I was paying this off in small amounts after getting in trouble with it back nearer that time and it states on my credit report that is settled and that I…
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Jacobs Enforcement Agents
Hi all. Hope someone would be able to help me out. Last Friday our previous landlord called my husband and asked to come around as there was some important letter. He went and found a letter which apparently was delivered by hand and stated that withing 24 hr they will come and remove the goods. This was completely out of…
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CCJ I wasn't aware of
I ran up about £11k debts when I was 18/19 (I know, I know) and have since completed a Scottish trust deed which was discharged in 2013 (started December 2010) so have begun the process of sorting my credit file as things start to drop off (yay). I've noticed on my noddle file (but not the other 2, bizarrely) a CCJ that I…
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Friday 17th 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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Trying to dispute a 12 year old council tax debt
Hi, I could do with some advice please. Last year I received a CT bill for my old address, it was for two amounts, one 12 years old the other 11 years old. Liverpool city council. Apparently they have liability orders on them however the 11 year old order was obtained after I moved out. I am convinced we paid the 12 year…
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Soa help!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 2 (I have nothing to do with partners money or car) Monthly Income Details Monthly income after tax................ 1200…
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DMP & Northern Rock (NRAM) Together mortgage
I've just set up a DMP with Stepchange which starts May 1st. Does anyone have any experience of entering into a DMP with this type of mortgage & what NRAM's stance is? The unsecured element of the mortgage is approx. £15,000. My total debts are £28,000. Stepchange have contacted my creditors prior to setting up the DMP but…
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Debt collection letter - unpaid bill with reason
I have received my first ever debt collection letters this week, for an unpaid dentists bill from either Dec 2011 or Jan 2012. £52.27 I have a few questions, 1. Can they chase me for this from so long ago? 2. I haven't paid for good reason, it was a dentists bill, and they were absolutely horrific, refused to give me…
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Debt Consolidation (I think)
Hi guys, I'm going to admit I'm relatively clueless with money stuff, but I had a quick question about sorting out some debts. At the moment, I have an OD of about 1000 (give or take), and about 3000 of a CC bill (which I try to chip away at each month by paying the interest +100 or so). I'm waiting to hear back about a…
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Cancelling insurance policies to be debt free..... good idea or not?
Hi all, So I thought I would post on here to get some advice. I am fed up of living in debt and determined to make changes. I am thinking of cancelling a couple of policies I have, mainly critical illness level cover it is £85 per month if I cannot work, occupation only. But I would still retain life insurance, and…
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Helping a friend in £20k debt
Hello, One of my best friends is in a bit of trouble. I'm helping him sort it out but wanted to come here first to ask for advice and to make sure I'm not missing anything. He is a freelancer, and as such has his own business. He owes: * Book keeper £525 for 2-3 years work * HMRC £3,000 for corp tax 2 years old *…
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Feeling Worried
Hi everyone 😊 It's been a very long time since I've been on here, but I'd really appreciate some advice. Me and my partner live together in a rented housing association property which I guess you could say we sublet from a friend. They wanted to move in with their partner, but was concerned that if anything went wrong,…
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Letter from Newlyn Debt Collection
Hi, I'm really hoping someone here can help me. A letter came addressed to my husband the day before yesterday, and he has only just opened it this morning and it's from Newlyn debt collectors. They have dated it 1st April and given us until 15th April 15:00 to respond - that was yesterday. It was regarding a fine for a…
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Updated SOA - Can anyone help to reduce my outgoings?
Hi, Can someone please take a look and see where I may be able to reduce my outgoings? Household Information[/b] Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1088 Partners…
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Thursday 16th 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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Marston group
Hoping someone can help to cut a long story short. My son missed two payments on a fine tbe debt was sold on to the marzton group. I payed the fine. Then payed the fees all with in the time limit Unfortunately I put in the reference number when paying the fee so they said they haven't received the payment. It resulted in…
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Council Tax Arrears
I've managed to get myself into a bit of a mess with my CT arrears and the case was sent to a magistrates court. I defaulted an arrangement and they have since declined a new one, even though it's actually better than the original. They have been sending their enforcement agents out, but so far I have not answered the door…
