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Time to stop burying my head in the sand!
Hi everyone I've decided I've been burying my head in the sand for too long with my debts. For years now I've just ignored letter from debt collection agencies and have no excuse for why I didn't pay other than I was an idiot. I was just wondering where to start as regards finding which are statute barred etc and how I go…
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Are you in debt and anxious about it? Stepchange & Mental Health Foundation can help
Hi everyone! As part of Mental Health Awareness Week 2015, running 11-17 May, we’re supporting Stepchange Debt Charity and the Mental Health Foundation (MHF) in highlighting how debt can be a key factor in mental health issues and supporting Money Savers feeling anxious about their debt. You may know already that we have a…
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SOA Link
For those who need it an SOA link http://www.stoozing.com/calculator/soa.php
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Re Argos Storecard
sorry wasn't sure where to write this... basically i have an argos storecard with several interest free plans on it due on different dates. one is coming to an end this week but i won't be able to pay it therefore on the next statement deferred interest will be added. if i pay the full amount then including the interest…
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Wednesday 13th 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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Somebody Please Help!
Hi All, I really need help...I am at a loss and don't know what to do anymore I'm in serious debt, which is getting bigger all the time. Currently around £82,000. I have 4 small businesses with only two making money (enough to cover themselves) and in serious arrears with everything. My life is a constant robbing peter to…
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Hsbc - arg
Hi all, sorry ive not been around for a while, life has got in the way of a lot recently. I'm just checking my Noddle and to my horror HSBC have registered a DM entry for Feb 2015. I finished my DMP with all debts cleared on 2nd Jan 2015. In all of the history of my hsbc account there are no DM markers, even though I had…
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26 years - I'll be dead before my debt is cleared. HELP!
My current DMP says I'll be debt-free in 26 years. And with a new debt of £4,000 from the taxman looming, I fear I'll never be sorted. Don't know what to do... If I'd done an IVA when I'd first gotten in touch with Stepchange (CCCS), I'd have been debt-free a long time ago. I'm reduced to paying the bare minimum of £5 to…
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Debt and renting
Hi, I'm putting my house on the market tomorrow due to relationship breakdown. I will be able to clear my 11k of debts, currently repaying via stepchange. My question is about private renting here in the South East. My credit rating is shot to pieces. Diagnosed with bipolar 1 and have been making inroads but only since…
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Electric bill from two years ago
Hi, a couple of years ago I was in a rather unpleasant renting situation, unpleasant for many reasons I won't bore you with but caused a bit of confusion over a ult. bill. I stayed in a flat for 6 months. Throughout this time I tried to register with the electricity company (edf). What I eventually discovered because of…
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Alzheimers - what should I do.
For some time now my sister has not been 'herself'. Devastatingly she has just been diagnosed with early onset Alzheimers. We need to stop her racking up any further credit, and to help deal with the debts she already has. We have already spoken to 2 x Credit Card companies and they are being helpful. We now have to tackle…
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4 months in and have hit a bit of a wall
I do not post very often on here by find myself on here mostdays. Since my proper light bulb moment(rather than the flickers that had happened previously) we have paid off 26% ofour debt in 4 months which has brought our debt down to less than 10k. This is amazing as a few years ago it was around the 19kmark. I am really…
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Help me get out of debt quicker!
Hi wonderful people! I attach my SOA for your savage dissection - help to get me out of debt quicker! The amounts are all what I pay towards our household upkeep. My husband pays £525 in rent and I pay £125 plus all the bills as I earn more than he does. Statement of Affairs and Personal Balance Sheet Household Information…
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Agency and Landlord drama a week before i move!
I shall start at the beginning! Basically, I started renting a property off a school friends parents in February 2013. On the 12th of that month i paid £595 deposit and £595 upfront and got the keys. I then began paying my rent the 12th of every month up until my new job started in March 2014, due to the difference in pay…
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Struggling- after Maternity leave
Hi I am after some advice. Please don't judge I am really in need of some financial direction. I have recently returned from Maternity leave. My employer didn't offer any additional maternity leave pay so I was on SMP. My husband is currently on an apprentice wage. We bought a house 2 weeks before my baby was born so I had…
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A little bit of advice needed -Opening an account
Hi Not sure if this is the right section for this but I thought other people on DMP's may have more knowledge on this. I need to open an account for a child, I would need to be a trustee for them but I am on a DMP. Does anyone know if this will be a problem. From what I can make out the account will be in their name so…
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Soa - not in debt?
Hiya, I'm wanting someone to review my SOA. I've been debt free for a while now and have started to save But I think my finances could be reduced and would like some opinions on it. I was thinking of posting my SOA in here but then I don't want to upset anyone but I know you all have brilliant advice for cutting down....…
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Whatsthecost Snowball Calculator
Hiya Just came across the snowball calculator from whatsthecost dot com and wondered if someone could help me. Is it possible to use this calculator when you have a balance on a CC with two different APRs. IE 0% on 2k for another 12 months and 18.9% on £800 I know I can do two separate entries for the two APR balances, but…
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From a desperate newbie...
Hi, Nervously popping my head in here to say hello. I have been sinking and slowly getting into more and moredebt since 2008 and its finally come to a head where I need to sort myself out. I am hoping I can get help and support from here. I have finally admitted I have a Shopping addiction, I was diagnosed in 2010 and my…
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Tuesday 12th May - What small DFW hings 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…
