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Friday 10th July - 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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rossendale enforcement agents council tax
Hi I'm very concerned as my mother received a letter through her door whilst out yesterday from Rossendales. It states 'enforcement agent removal notice for non payment of council tax'. It then goes on to state that after previous attendances you have failed to pay the total amount due. Firstly, this is the first heard…
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Credit rating advice
I hope this is the right forum. Apologies if not. I need some advice on credit rating. I was not a very good boy in the past and had some debts. I have recently moved in wiith someone - we have lived together for eight months. I had an Achilles operation and was on crutches. I fell on the sofa and broke it, so we went to…
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CCJs after taken for a ride by a debt management company
I have never posted on a forum before so sorry if I don't explain myself very well or am asking something that has been covered already. I was paying One Debt Soloution, then General Recoveries to pay off my debts. They have subsequently gone into administration. The finanicial ombudsmen have found in my favour that they…
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Save or clear these debts?
Me and my partner have a few debts hanging over us and I keep going round in circles of when to clear them. We are in a fortunate position in that most months we have quite a bit left over. What I normally do is the day before pay day I move over whatever is left into the savings account. But we have the following that we…
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Missed a council payment for £69, sent a letter for £1700
Hi all I missed a council payment on my old property for £69. 4 weeks later I got a further charge for £69 for missing the payment I called the council and explained the reason I missed the first letter, they said okay and cancelled the charge, I paid £69 24 hours later i recieve an email from the council advising me that…
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CCJ Reconsideration
Hi guys, My wife just got a CCJ and is going to ask for the monthly payments to go to a reconsideration because it is within the 14 days. My question is does she have to make any payment while she is waiting for the reconsideration ? Also who do you address the letter to about the reconsideration ? Thanks in advance :)
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Thursday 9th July - 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 advice
As the title says, I'm looking for some advice re making full and final payments.... I was using a DM company up until the beginning of last year to handle my debts for me and stupidly paying them about £40 a month for the privilege. Fortunately I saw the light and decided to take matters in to my own hands and deal with…
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Budgeting- how much to allow for clothes?
I am trying to sort my head (and bank account) out. I am writing up a strict proper budget but I am unsure what I should allow for clothing for: 4 children (7, 5.5, 2 and 6 months) 2 adults Would need to include school uniform, shoes for the year and clothing as needed. I am a sale shopper, buy bigger sizes so they don't…
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Council tax issues
Sorry for the long explanation but i'm in a pickle! I recently lived in a house with 3 students meaning as a working person i was liable for the council tax. I was a tenant at this property for 5 months before the tenancy got passed onto someone else in January 2015 (who was a student). I actually only lived at this…
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Full & Final Accepted - Repercussions of Partial Settlement
1st Credit have agreed to accept a 50%' full and final settlement' for a £3100 debt which will be marked as 'partially settled' on my credit file. It is about three years since the account defaulted, I moved to Oz for a couple of years and foolishly left a bank account with an overdraft and didn't make any payments. My…
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Sisters debt in South Africa
Hi, sorry if this isn;t the correct forum but I'm in a quandry... My sister has gotten herself into financial difficulty owing a car company money for a payment. If the payment wasn;t made a debt collector would take the vehicle. I was able to obtain the bank account details from the debt collector via email and duly sent…
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Wednesday 8th July - 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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Freezing barclays interest?
Evening all, to cut a long story short, I've got myself into quite a bit off debt. My worst debt is barclays, I owe around 2500 and I'm paying the lowest amount every month which is around £60 however because the interest is so high high, I'm paying off around month. Is there any chance they would freeze the interest for a…
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Statute barred.... Sold off debts... Help
Hello, I have been reading up a bit about statute barred and I am still a bit confused. I was fairly young when I got myself into a lot of debt. After not making payments on anything for about 2 years I was receiving a lot of threatening letter and was worried. I live with my mother and did not want her to find out about…
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half way there!
After 5 years of paying £500 a month im very pleased to say myself and my partner have paid off over half of our debt! For all those contemplating starting a debt management plan I cant express in words how much this has helped us, freed us even. I look back now at how we struggled when we were trying to keep up with our…
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Council Tax / Bailiff Help
Hi all My estranged wife & I were trustees for a Trust where our children were the beneficiaries. The Trust owns a property and this transferred to us and held in Trust for them. We separated in 2012 and I have just learned that since then the Council Tax has not been paid. The Council have obtained a Liability Order and…
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Being Harassed by PDHL
I am on a debt-management plan with PDHL. Over the past few months, I have been increasingly contacted by representatives of the company, wanting to 'reasses' my situation to see if I am better off on an IVA. I have advised them, repeatedly, that this is not what I want to do, as I am perfectly satisfied with the debt…
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Help! Equita council tax debt!
Hi Guys hope someone can help! I had a liability order for last years council tax which was £610.64. I buried my head and didn't pay quick enough so it was passed over to Equita. I received a letter from them in March and called made a payment of £100 and agreed to pay £50 a month, then a week later my partner left, Iv got…
