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Debt Out of Control
Hi I hope you can help I feel like my life is falling apart. It is a long story and I hope you can help. I have never been very good with money and have always lived each day rather than planning and saving. It sorted of settled down a bit when I got married as my husband helped to be more focused and actually took control…
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10 reasons you're not rich
Hi, saw this on MMM forum what do you think? http://time.com/money/3944987/not-rich-yet/?xid=tcoshare I agree with the number 5, especially around these parts sometimes!!
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Best Way To Repay - Loan or Card first
Hi all, I am trying to improve credit score by paying down overall debt. I have credit cards almost at max limit. additionally i have loans to pay off too (traditional not payday). Most are same/similar APR, but in terms of boosting credit score, am I better clearing card balances or loan balances? G
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Merton Baliffs
Hi I don't know where to turn and I am very concerned. I currently have £2000 worth of parking fines that are being managed by Merton Baliffs, they have been knocking over the last few months however I have never come across them as I am always at work when they call. I asked how much they would be willing to accept on a…
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DMP - what to put for outstanding loan amount?
On the online debt remedy - when you put in a loan debt what do you put? The original amount minus what has been paid? What about interest? I have no way of knowing exactly was is 'outstanding' (unless I contact them which I am hesitant to do right now, the info isn't available online). I think a DMP is the result whatever…
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Tuesday 28th 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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DMP "extras"
On the back of another thread, when doing a DMP budget do stepchange advise about accounting for things like Xmas savings/holidays by increasing your budget elsewhere? For eg I have just seen a post about putting the max down for groceries and the possibly actually spending less and using the difference for things like…
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Debt recovery letter after 15 years?
I recieved a debt agency letter telling me they will reduce my credit card balance from 15 years ago by 70%, this means I only have to pay £200 out of £1,150. My question how can they tell me in the letter that debt still exists and they have a right to ask for it when it has been 15 years?...Does this debt affect my…
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Stepchange/DMP/What I can afford
Hello! I have a bit of a question - I've just done the stepchange debt remedy and it has suggested a DMP. The expenses bit though - that tells you what you have 'left' to pay to creditors - that doesn't take into account Christmases or Birthdays etc does it - now I get that frugality is important etc but I have 4 kids and…
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78 year old mother struggling with debt
Hi firstly a little about the situation. My mother now 78 had worked all her life until a near fatal medical condition nearly killed her about 5 years ago. She never had any debt before this but now she is in a very bad place and can't sleep for the worry, anyway here is what's happened. She owns a house that was payed off…
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Debt help wanted please
I'm going to try to give you all the information i can so hopefully someone maybe able to help me. At the start of last year along a friend lent me £10k to pay off a debt this was the only debt I had at the time, interest free to be paid back at £100 pm. I then borrowed £3k from the building society in a loan to buy a car.…
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One day at a time - support thread for compulsive gamblers.
Hi, i have thought about starting this thread for a while. We seem to be getting more and more Compulsive Gamblers (CG) posting on DFW and i thought it may be helpful to have a thread which offers a bit of support for those who are battling this illness. So whether you are in recovery, abstention or still in the death grip…
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My employers have just received a letter from London Collection and Compliance Centre
Basically saying they need to deduct money from my salary until an £815 fine is paid. It was addressed to my company through my old address which I have now not lived in for about 6 months. Any ideas what I can do here?
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Mortgage reserve with Barclays
We have a mortgage with Barclays and only have 17 more payments on it ,which would be great if we didn't have £46,000 reserve left on the mortgage I don't know how we are going to pay it back in the time left we are currently in a dmp with stepchange has anyone else had a similar problem ,and if so what was the outcome tia
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Need Help with Statute Barred Defence
Hi All, Can you please help on what to do next, I been to the court and the judge agree to set aside the judgment for Statue Barred debt upon the condition that I file and serve a fully pleaded defence within 21 days. Is there is example I could use for my fully pleaded defence as this is Statue Barred debt so not sure…
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Business debts on personal credit cards
Hi, this is something I have been trying to pluck up the courage to do for some time. I run my own one man business and have done for almost 20 years. Thankfully I have always been busy and to all outsiders I have a successful business. The truth of the matter is that although i have always been an honest hard-working guy…
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Shoosmiths/Arrow Global
Good afternoon Please forgive me if this is in the wrong section. My partner received a letter from the company Shoosmiths LLP Solicitors in Northampton late saturday afternoon(after the office closed) The letter was set out as below; Our Ref. M-00338323 Date. 23 July 2015 Dear Madam Our Client: Arrow Global Accounts…
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Need help with debt
Hi I have got myself into a fair amount of debt, mainly due to a gambling problem that led to me taking out many credit cards and loans. I know that it is my own fault, and I feel ashamed that I have got myself into this mess. I have now managed to stop my gambling, but I am in need of some advice regarding the debt that…
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Mon 27th July - What small DFW-style things will you be doing 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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Advice on which way to go
Hi guys, you may remember I posted a few weeks ago when I was in dire straits after the attachment of earnings. Well I still am but it feels a slightly better situation. Hubby has a 3 month harvest job with a chance of full time work (nothing guaranteed) so everything is crossed. I am full time employed anyway. Eldest son…
