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Help! Hose me down, my spending's on fire!!
So 5 months in to my DFW i just seem to have taken my eye off the ball a bit this month!! Just had a feeling a was getting a bit fast and loose with day to day spending. When i finally got around to reconciling YNAB after a couple of weeks my suspicions were confirmed. Have probably let a couple of hundred quid slip away…
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Small Claims Track / Bryan Carter
Bryan Carter Solicitors/Lowell Portfolio are chasing my son for an old mobile phone debt. We believe it is statute barred. I have written to them to ask for a copy of the service agreement and details of the last payment but the haven't sent anything and say "Our client's position is that the limitation period runs from…
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Friday 26th June - 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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Help : Bryan Carter solicitors LLP
Hi all! I hope someone from here can give me idea about this. I received texts from this company that states : Please call Bryan Carter solicitors LLP on 02031478414 quoting reference number xxxxxxx. Further info may be obtained at https://www.bryancartersolicitors.co.uk I have never called the numbers and didn't go to the…
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Looking for some advice regarding a past debt
Hello I've been reading previous posts and thought I'd ask for some advice on my situation. I had a loan with the bank of Scotland back in 2002. Through family problems and mental health issues I lost my job and fell into a depression for the following 5 years. My loan went unpaid alongside this and I just stopped…
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DMP question
Hi all, I am trying to get my husband the best deals for his debt at the moment, but I have a couple of questions. He is currently on a DMP with Moorcroft. I am not 100% sure how much if left on it. He has been paying £40 pcm by DD. While I have debt, I have never done a DMP, and he doesn't understand it all well enough.…
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I need some advice please
I am so lost and confused and i really need some help as I feel I am getting no where. Basically i have two credits equalling up to 5000 - I want to consolidate these debgts (I am not a homeowner) I already have a teacher loan of 7000 and I don't seem to be eligible for another loan. My credit cards just don't seem to be…
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Loan application whilst an a dmp
Hi all, I am posting on behalf of a very close friend and want to make sure I have my facts right... Her partner entered into a dmp last year so it is very far from being cleared yet, however, he is discussing getting a provident loan for something that is non essential (I have explained he's acting like a spoilt brat and…
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Halifax..........GRRRRRRRRRRRRRRRR
SO I have been in commnication with Halifax about settling the account, so on the 11th June they put it in writing confirming the offer was good for 30 days. Today I speak to them to find that on the 13th they sold the debt to a DCA.............. Give me strength
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It's time for me to become debt-free...
So, in the scheme of things, I'm not really in that much debt. I know people who are in debt to the tune of tens of thousands. I owe around £4,000. But it's still too much for my liking! I'm looking for a little help and advice on how to accomplish this. I'm not great at living within my means, though my girlfriend is, but…
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CCA's, PRA and general advice
Hi all, I'm after some advice and information please. I have a debt with NRAM. It was with McKenzie Hall until I made a CCA request. They passed it to NRAM who have now passed it to PRA Group. Are PRA Group a debt collector or just a company who manage the debt? I want to try and clear this, but I do not and will not have…
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How do people stay motivated to keep going and pay of their debt.
Hi All Just wondering hoe people keep themselves on the right track track to pay of their debts. I had my LBM on the 2nd Jan this year so it has been almost 6 months but feeling a little impatient as still have around 16-19 months to go. Any comments appreciated.
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Council Tax Enforcement officer
Hello people I'm new to this and under my brothers account but I need advice please. Yesterday I got a knock on my door by a enforcement officer from jwp for unpaid council tax that amounts to £1300. I know im in the wrong but i was struggling and they passed the debt to jwp! He was very rude and I know he has a job to do…
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MSE News: Debt management firms giving poor and misleading advice, FCA finds
Customers of five unnamed debt management firms may be due redress after a review revealed the sector is failing people... Read the full story: Debt management firms giving poor and misleading advice, FCA finds Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all…
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What to do with my self employed money....
Hi all, I was just after some thoughts on how to manage my self employed income. I run a small business as a nail technician but it isn't my main income so I don't use this currently to pay any bills. It is used like our fun money. Now I'm tying to pay off our debts as soon as possible in going to use what I can from it to…
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DWP taken money out of my pay
I have found out that the DWP have taken £300 directly out of my pay, and will do the same this month, because they claim that I was overpaid redundancy money five years ago. They did not attempt to contact me at all, they just took the money out. How are they allowed to do this??
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Thursday 25th June - 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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Jacobs Bailiffs Fees
Hello, I've got myself into a right pickle with my council tax and in need of some help. In between being a student, working inconsistently and being on JSA I have run up several debts with my council tax. Last month I had a visit from Jacobs and a letter stating removal by 5pm. I went online straightaway and made a…
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Rent arrears/court action
Apologies if this is in the wrong section Previous landlord is chasing me for rent arrears (my own fault I know this) I left the property 8 months ago after being served notice. I've received solicitors letter threatening court action (Scotland) I am terrified that I'll be taken to court/have my wages arrested or be made…
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Debt Repayment
Hi all, I'm after a bit of advice. I have had a debt with Nat West for about 7 years. I have been repaying it monthly, with a yearly payment review, when my payments have increased year on year. Finally, I'm down to my last £5000 of debt to repay. I've just had my recent review where my payments were increased to £400 pm.…