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New to all this and desperate for help
This is the first time I have ever used a forum and ever sought help and advice for anything outside of my family. in the last year myself my wife and two children have moved home so I could take a higher paid job in a better area (in our opinion) We have a lovely home with potential to extend and make it what we have…
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DFW newbie
Good Evening everybody, I'm new to the forums, ive changed my mind from wanting to be debt-free to declaring I will be debt free by the end of this year! (well maybe by the end of the first working day of 2016 due to pay schedule) but i will be debt free in January 2016. I want to get a mortgage asap but i need to get rid…
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AFTER an acknowledgement of service
DH rec'd papers for a claim against him. We have spoken to the creditor and explained various reasons why we would like to avoid the CCJ (mainly that he is a chartered accountant!) and we are in talks with them for another agreement. We filed an acknowledgement of service. 28 days from the initial claim is Tuesday and I…
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T Mobile Default issue
Hi, I am looking for some advice - I was looking through my Experian report and I came across a default from T Mobile - I left T mobile about a year ago and it looks like I owe then 27 pounds. I am assuming from fees as part of closing the account down or an extra month - I don't have any documents from them regarding…
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!!!!!!
Hi All My hubby and I have debts totalling £60500 and are in a DMP paying them off at £120 per month. Realistically we will never clear them as at this rate it will take approx 43 years. Our debts are Mortgage Shortfall Enact £28500 Personal Loan PRA TSB £12800 Personal Loan Santander £8000 Credit Card Marks and Spencer…
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Letter from Lowell
Hi I have just received a letter from Lowell saying they have bought a debt in my name. They say they are seeking to confirm my details - they gave no details of the debt itself and made no request for payment. I have never heard of the company they say the debt is with - though a Google search shows it's a some sort of…
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Sat 11th/Sun 12th 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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DMP Mutual Support Thread Part 12
My now infamous Newbie message, slightly more generic and adapted a little. If we made this the second post, newbies would be able to read it before moving on to our latest posts. Comments and suggestions positive or otherwise all welcome Well done for getting this far, there may be a lot of activity on the thread at the…
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DMP Mutual Support Thread Part 12
My now infamous Newbie message, slightly more generic and adapted a little. If we made this the second post, newbies would be able to read it before moving on to our latest posts. Comments and suggestions positive or otherwise all welcome Well done for getting this far, there may be a lot of activity on the thread at the…
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Final settlement rejected
After 6 years I have been contacted bt Shoosmiths PLC to pay £67500 for remaning debt from home being repossessed to Halifax. I contacted them filling out monthly expenditure forms which showed I had around £75 a month left. I made a one off offer of £6500 to settle the debt as a family member is willing to loan me money…
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Jacobs removal notice....
Hi, about 2 weeks ago I had a hand delivered letter that was a 48hour removal notice and the next day I had a 24hour one, this is in relation to outstanding council tax, I rang the council and they refused to discuss the matter and said you have to speak with Jacobs as the debt has been passed to them. The letters said to…
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Interim charging order
Hi new here and hoping for some help. My partner is trying to sell his house. On the official copy of the register of title it shows an equitable charge created by an interim charging order. This dates back nearly 9 years. He doesn't really remember what it was for etc and how much. How can we find this out? I understand…
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Partner's debt and Bailiffs
Hi I am looking for some good advice, hoping you clever folks can help me! Try to narrow down a long story, OH has a history of horrendous money management and is in debt. He moved in with me in March, he came with nothing bar a few clothes and sentimental items and some musical equipment he uses as he’s a musician. He has…
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Restrictions on the land registry - interest question
Hello everyone, In the past I have been very lax about dealing with my financial situation. I'm trying my hardest to deal with each issue one by one and have now come up against a restriction on my title at the land registry for a credit card I defaulted on. The restriction was placed in 2011 and I'm guessing it would be…
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letter from Lowell
I recently had a letter from Lowell saying I owed £600 from a bank account years ago (had a £100 overdraft the rest was from charges). I wrote a letter claiming it was statute barred,which it is. The have written back to me saying it isn't statute barred because I made a payment of 1p on Christmas eve 2009, thats 1p on…
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"Part Satisfied"
Hello everyone , At the moment I am down to around £2400 in debt, I have about 5 creditors, and have emailed them regarding any offers to reduce the total amount I could clear my debt for around £1700 but they would be part satisfied, they are all defaulted ranging from 3 - 4 years, how much does Part Satisfied effect me?…
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Dmp
I posted the other week about my situation. Been with my partner for 19 or so months and (having got engaged) are now looking at moving in together. I was seeking advice about trying to sort an early and full settlement on my debts for less than what is owed. What I didnt explain was that my partner has three children. She…
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Some support - Stepchange Debt Management
This may help you, this may not but sitting here and now not owing anything to anyone I feel the need to release this... This week I became debt free. I don't owe anything to anyone. I sat on my bed in August 2012 and cried as we couldn't afford to buy my son a new bed. The lowest point in my life. I was there because life…
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Debt Free - Old Accounts...
Now i'm debt free and looking to re - invent myself. Is it best I close off all the old accounts which are settled? Thinking off: the lloyds account I had a huge overdraft with (still have the account just not the OD). old credit cards which are paid off in full but have a large balance available now (fraud risk!?) I want…
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DMP & Mutual Support Thread - Part 11
Once again the old thread was getting a bit large, so here is a fresh thread. :) The previous thread can be found here: Click ---> DMP & Mutual Support Thread - Part 10 Or click here for the last page of posts on the old thread. ---> Last Page Sazzie23's fantastic post of the month winning post from the previous thread is…
