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Not sure of the best way to proceed
Hello I've been a lurker here, posting only once in the 5 years I stumbled across the site, the advice I received was really helpful so I'm hoping someone can advise me as to the best way to proceed. I have the following debts to be repaid £2500 on a 3.7% Credit Card (paid down from £11,000 whoop whoop!), which charges…
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Default letter what happens next ?
Hi I have been in a dmp with stepchange since last sep, last week I got a letter from Barclays saying that I was in default and they could sell the debt on to a collection agency ,Whats the next step is it court ? I have not missed a payment of my dmp .thanks in advance
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0% credit card - quandry about what to do!
Hi, I'm going to have around £4,500 on a 0% credit card from the end of July. Its got at least 19 months at 0% left on it. I can't decide whether to A) Pay money as I have it available to clear card B) Save everything I can to clear it - i.e. leave it in bank account, so it could technically be used in an 'emergency' but…
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Help! I've acknowledged a debt that I now think is statute barre
Hi there First post here and beginning of my debt free self! I think I've made a silly mistake. My partner has had letters from 3 debt collectors which have up until now been ignored, however in a bid to clear our debts I've emailed them on his behalf (from his email with his permission as he refused to phone), to two I…
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Santander / DMP / Paying them
I am on a DMP and want to go self managed to give myself some control how much I pay each debt. Its a former Alliance and Leicester loan. Which defaulted 6 years ago in August (3 weeks time) so drops of my file then. I called Santander and they said just pay it via bank transfer each month, but they may pass it to a debt…
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Thursday 16th 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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Bristow and Sutor - Council Tax Arrears
Hi everyone, long time reader, first time poster. I've been an idiot in recent years with regard to finances, had my head buried deep in the sand. Last month I received a letter from Bristow and Sutor detailing 6 separate cases of council tax arrears dating back to 2010 and totalling nearly £4500. Ever since I left home…
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DAS Completion
Does anyone have any experience of the process for ending a debt arrangement scheme (DAS Scotland). Mine has been organised through Wilson Andrews though I think this is now a different company. It is due to end in a couple of months and I am just wondering what I can expect to happen if anyone has been through this…
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Third Time Lucky
Hi there everyone :D I've been a lurker on this board for quite some time & I have even posted a couple of times before but have never managed to keep it up. Well, I have finally decided that I want to get rid of this debt for us once & for all & then we can begin to finally live debt free :T We are a family of four with…
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Help - Intrum Justicia letter for Europcar "debt"
Hi, I hope one of you kind people can help me. At the beginning of the year we went on holiday abroad for a week, and rented a car online through Europcar UK online. The car was stolen on the last day of our holiday. We paid extra admin fees when we returned the key to Europcar at the airport along with all the police…
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LLoyds Tsb Overdraft
I have a graduate overdraft of £2000 which is due to expire on the 1st August. My account is changing to a £25 overdraft. What will happen if i cannot pay it off in time? I can clear most of it but not all. My understand is i will be charged daily fees and interest on the £2000 but i'm not sure. I am struggling financially…
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What do I clear first?
Hi So I'm looking to become debt free, I recently had a few PPI refunds so I used some to pay off a loan that was costing me £410 a month and I have 2k left over. I have £6,800 on a nbna cc and £5,800 on a Lloyds one. The nbna one currently costs £250 a month and Lloyds is £150 a month. I am waiting to hear the out come of…
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Require advice - am in a catch 22 situation
Hi After splitting with my ex-husband I managed to accumulate some debt whilst I found my feet. As part of the divorce settlement it was agreed that I would get a lump sum from him once his name has been removed from the covenant on the matrimonial home. I live in the house and we both pay an equal share of the mortgage.…
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What to do re: bank account
Hello I have become more and more disappointed in my current bank and I am completely fed up with it all. I have their mobile banking app and it corresponds to my actual banking about 50% of the time. Same for online banking, I can check it, and further down the line the statements reflect a different scenario. I have a…
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Impulse Buying
So I'm trying to pay off my credit cards and build up some emergency savings, but the biggest thing that's setting me back is buying things on impulse! Anybody else had problems with this? It could be gig tickets, CDs, clothes or anything else. It's just that I sometimes have this whim to buy the item! I have stopped…
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Ccj
My partner has just received court papers to say that one of the creditors are applying for a ccj he has filled them in and sent the admission back with an offer of payment. As this creditor has gone down this route would the others follow and also apply for ccj against him? Either way his credit rating is shot to bits…
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Debt Management Plans and potential settlements
Hi Guys, I have been in a debt management plan with payplan since Late 2010. I make regular payments and am not harassed in any way for money via letter or phone. I have found them useful but am now becoming much more pro-active in contacting creditors myself. This is my current state of affairs. Barclays Bank Plc – £642…
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Wednesday 15th 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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Equita Bailiffs - Advice needed urgently please
Hi all After a dispute with the council over last years council tax my bill was passed by on to Equita. The amount requested was £791 including plus £75 for the liability order totalling £866. I began regular payments to get rid of this debt. On the 10/6/15 I received a bill informing me of £656 still to be paid. By the…
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Old Debt - Sainsburys / Lowell
Ok, had a loan taken out back in 2004, I ran into difficulties in 2006, and eventually defaulted on it in 2007. Never paid anything further or acknowledged the debt. (moving around from friends house to friends house, generally running away from it.) 2013 - It drops off my credit file due to the 6 year rule. 2 weeks ago I…
