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Not just for people in debt
Hello All, First post; I find that these tips advertised by various different generous people who are willing to share these relevant details of their personal lives can not only benefit for the intended targeted users (those in debt) but also benefit hugely to people without or very limited debt. If users can save…
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Friends DMP in Scotland, does this sound right?
One of my friends has apx 14k of credit card debt and have informed me that he has applied for a DMP. He says it's through a charity and there is no charge (Stepchange, I'm guessing, but he hasn't confirmed?). But he sais that h can pay £100 a month and it will be paid off in 10 years but they have advised (based on his…
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Help with student loan
Just after some advice sorry if this is the wrong place but I’m not getting any joy on the loan forum. I currently work part time 4 mornings a week – my partner works full time earning £17,000 pa. I take home £550 pm. My little one goes to nursery whilst I work. I would like to return to education and do an access course…
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Settling a CCJ with other Orders/Restrictions
I have been working steadily on repairing my credit history over the past couple of years. To cut a long story short I have reached an impass with a CCJ on my record. The CCJ was registered in late 2011 for circa £4k and has some form of charging order/restriction on my property (the property is jointly owned but the debt…
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Jacobs bailiff - council tax please help
Please help and not judge. I failed to keep to a payment plan with Jacobs over two accounts with them for council tax I received a 48 hour removal notice then a collection by 5pm I emailed Jacobs to reset up a payment plan and have phoned them and they have refused and said I need to talk with enforcement officer. He is…
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Thursday 7th May - 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 order with DLC/BLACKHORSE
Hi I have a joint property with my wife and I have a debt with dlc/blackhorse which is for 8k. My home is worth about 90k and a mortgage of 35 left on it in joint names. Dlc blackhorse have a charging order on my debt. Am I right to think this is just a restriction as the debt is in just my name? Also could they force the…
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Question about defaults
Can anybody help? Some years ago I got into some difficulties and fell behind on all my payments. Since then I payed off nearly all my debts totalling about £10k. Apart from 1. It was a £5k loan from Barclays Bank and had about £3200 left outstanding on it when I stopped making payments. During the middle of my struggles I…
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Really need to sort myself out .. so so sad.
Today is my birthday and I’ve spent the whole day close to tears. I need to sort my life out and if I stand any chance of having the life I want I need to tackle my finances. All of my credit cards are with debt collectors and I had my first knock at the door a couple of weeks ago. I’ve unplugged my phone and only connect…
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Struggling with DMP payment
Hi I have a Dmp with Stepchange which I have had for just over 2 years. I did a review in February and my payment was reduced slightly as my hours have been reduced at work due to a health issue. My son is moving out soon so this will mean less money coming in can I do another review so soon after doing one? I am worried…
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Debt advice
Hi there. Me and the wife are trying to become debt free. The wife has an old phone bill from 2007 which is roughly £600 (don't ask). I sent away the pro forma letter to have the debt agency stop sending letters as it should be time barred (I stay in Scotland) however they have just got back stating that she had made a…
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Debt plan
Hi, Looking towards the future and want to be debt free (or at least making progress towards a resolution). Ultimately looking at getting a mortgage with my partner within the next few years and would like to know the best path towards clearing the debt in order to secure the mortgage. My partner has no debt. My credit…
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started a dmp but have loan payment due ??
The dmp have said not to pay my bills but i am due to have a dd took for my payday loan but how do i stop this and will they let me??
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Desperate times, I see no way out of debt
I have been trying to find some advice on situations similar to mine, but am yet to come across any. - I have around £10,000 of debt, not including student loan. - I get paid around £1500 after tax and deductions, pay out over £600 a month towards loans, £5-600 for rent, food and utilities, the rest goes on credit card min…
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MSE News: 'In 2013 I owed £22,000. Now I'm debt-free'
We're celebrating 10 years of our Debt-Free Wannabe board and forum community this year... Read the full story: 'In 2013 I owed £22,000. Now I'm debt-free' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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Can't consolidate
I'm trying to become debt free, and wish to consolidate , I want to geta loan for 12,000 to consolidate all debts into one, however no one is lending to me , so I can just paying interest, this is extremely depressing. what can I do
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Full and Final Settlement
Hi, I have come into some money and am looking at paying off my remaining debts if I can so just wanted to I have already paid off my largest loan as they offered me a figure which was 60% off my original debt. I now have four remaining debts outstanding. Three are with HSBC and one with Barclaycard and I've been paying…
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Wednesday 6th May - 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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Debt Free by 30, my birthday goal
So after looking on this site for a while I thought I'd put down my situation and let someone other than my Girlfriend into the world of my debts! I've pretty much been in debt of one form or another since university, overdraft, then credit cards, then a loan to pay off the cards, then more cards, its safe to say I wasn't…
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Repaying overdrafts
Hi! Total newbie here, just had a large dose of reality and I've realised I need to get sorted financially. I am currently unemployed and a single parent of three kids. I have two overdrafts from my student days £1000 with Natwest and £1990 with Bank of Scotland. I do my day to day banking with a basic account from the…
