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Worrying Debt Letter from Solicitors
Hi, Applies to Scotland A month or so ago, my friend who is a tenant at the property received some kind of debt recovery letter for the 'occupier' that had nothing to do with her. She rang them and explained she was the tenant and it seemed they were seeking the landlord and told her not to worry about it and she'd never…
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Website charge - should I pay?
Hi everyone, sorry if I've posted this in the wrong place, wasn't sure where to post. Basically I built my own website on a free site about 2yrs ago. To make the website go live online I had to buy a 'domain name'. I paid about £12 for the year. After a few months I stopped using the website and forgot all about it. I have…
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Online MOOC for managing money
I've just stumbled upon this free online course offered by The Open University for managing money so thought I'd share. I think I'll be signing up! https://www.futurelearn.com/courses/managing-my-money
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DC company wanting updated financial details
Hi, I had a CCJ way back in 2004 and at the time was earning in excess of £28k a year and so had an Attachment of Earnings. Shortly afterwards I was at home looking after the children due to my wife being ill, I went back to Court and explained the situation and they reduced my payments to £20 a month (this was in 2005)…
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MSE News: Martin Lewis joins Money Advice Service 'challenger panel'
MoneySavingExpert.com's Martin Lewis has joined a 'challenger panel' to recommend changes to the Money Advice Service ... Read the full story: 'Martin Lewis joins Money Advice Service 'challenger panel' 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…
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SOA - would love some input, new ideas, and feedback
Family of 4 (husband & wife in early 30s, two children under 5) Using YNAB to revolutionise my personal finances and debt repayment. I'd love some input on my SOA, my expenses and my income generation ideas. I've managed to increase savings from £100 to £2100 in 3 months by doing the following: Current account switching…
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News - FCA warns clients of three debt management firms
http://fca.org.uk/news/fca-warns-clients-of-three-debt-management-firms-to-review-their-debts
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Thursday 21st 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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full and final settlement wording
I am about to pen an offer to Halifax to make an offer to settle using the national debtline template and was wondering if the following text is ok.....or whether to just make my offer without offering the rest (ive highlighted the in bold the bit I'm not sure is necessary) "However, my father has offered me £1100 in order…
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can my partner be made to pay a debt of mine from before we met? - Jacobs Bailiffs
Please help. I live with my partner and our 11 month old. I'm currently on maternity leave but not returning to work as childcare costs more than my salary and we are not eligible for assistance. I met my partner in 2012 and we moved in together in 2013. I moved into his house that he already owned, bought 7 years before.…
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CCA reply from Halifax Credit Card
I sent a CCA request to Halifax and they replied today with a statment of the account showing: the balance and just that. Reconstituted version of the current terms and conditions Reconstituted version of the orignal executed agreement. I thought they had to show a copy of the agreement with my signiture on but... THe copy…
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Please help feel like I am drowning in debt
Hi everyone been a long time lurker on this forum for years. I've had control over my finances for a good few years but since the turn of the year I seem to be drowning in debt with no way out! I currently have a vanquis card and was at the limit of £3000 and was repaying £146 back every month but I missed March's payment.…
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time to take action.
Hi guys, iv decided to stop messing around with dca's now and just tackle them head on, iv decided to email them rather than calling or writing to offer a x amount for full and final settlements. Only problem i do not have the account numbers, as i havent had letters off them for a while. Are there any templates that i…
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Partners debt confusion
My partner and I are hoping to be able to get a mortgage over the next year or so (we are currently renting). I am completely debt free and have savings, whereas my partner has debts of approximately £15k which were incurred while he was in his past relationship, all except two are in his sole name. He is not incurring any…
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DMP and the new pension rules
Had a dmp for a few years. Original debt 65k now 41k. Had a call from the dmp company to make appointment for telephone review. This time they have asked for proof of any pension money. They have never asked about this before.Think it may be because of the new pension rules and our ages. As we are 56 and 58 years old and…
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Very.co.uk advice please
Hi, Sorry if I'm posting this in the wrong place. I'm new and still finding my way around :) I need some advice regarding Very.co.uk. I've been with them since May 2013. I ordered a set of bunk beds around that time, but other than that pretty much everything has been paid off as BNPL to avoid interest. I've had quite a…
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strange calls from debt collection agency, never received any letters
Hi There, New to this forum, so hope I've posted this on the correct thread Hoping someone can help with this problem. In the last week we keep having phone calls from 01294772957 which is Fredrickson international/Fredpay, a debt collection agency, asking for my wife (by her initial and not full name?!) they say they have…
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debt help
Hello there,I'm not very good at talking so I'll keep this short and sweet.Basically I just can't see an end and feel like I'm going to be paying debts off forever.o need help maximising my debt payments but I'm absolutely useless with money :( me and my other half had a bad few years in and out of work which is why we…
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Wed 20th 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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Should I use my overdraft to pay off a credit card?
I've recently switched my main current account from Nationwide to Halifax, but due to a big car related bill in April I have a c£300 balance on my associated credit card. I planned to close this credit card along with the account as I have a new one at 0% but is it a good idea to do this using the overdraft on my secondary…
