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Tuesday 29th September - 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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Text message from Cabot
Just got a text message from Cabot asking me to contact them to discuss my debt with Barclaycard. I am currenlty repaying the company as part of my self-administered DMP. My first thought is not to reply because I prefer to do everything in writing. Why can't these people just leave me alone! I'm paying them a respectable…
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Lloyds closed account and then said it was a mistake
Hi I had a letter from Lloyds from an old defaulted account which I have contested for a long time (most of the balance was fines) saying the account was closed- the details of the account were correct. Now 2 months later they are saying the letter was a mistake and I still owe the money. Would like advice on where I stand…
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Letter chasing debt which has dropped off CF
Today I received a letter from Link regarding a debt which I believe is SB and is no longer showing on my CF. I think this may be due to me updating my address as the letter said they had been unable to contact me. How can I check if it's SB, I definitely have not acknowledged the debt in the last 6 years. Thank you
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Barclaycard full and final offer
I have an outstanding debt to barclaycard. Over the past two years I have been making either £1 token payments or reduced payments (below monthly minimum) and they even suspended interest for a while. Despite this, they haven't sold the debt on and are still dealing with it in house. 3 weeks ago I offered them 40% f&f.…
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New to Stepchange and dmp
Hi I've just signed the paperwork with Stepchange for a dmp for all of my debts. So here goes! I've feeling really guilty about not making the required payments, today is the first time in years that I have been able to look at the credit in my account without wondering how I'm going to make it stretch and pay all of the…
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SOA and getting a loan
Hello I have been over in the Loan section of the website and some helpful people directed me here. The situation is i have 2 CC, both around £2000, an OD of about £1400 and i am paying back a wage over payment and my mum both £20 a month. One of my CC is 0% but that runs out in December, the other was 0% but has now…
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very old debt
Hi i'm paying off a very old (circ. 1997) loan debt to BLS (was Lloyds Bank). I have never not paid - this was a debt that my ex husband left me with. I was wondering whether it's worth sending a prove it letter? If so, can anyone provide me with the template. It's probably only for about £500 now (was £10k) Thanks Anna
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How much do you live on?
These have been done before but how have people's circumstances changed for 2015? I am losing £200 a month in tax credits which means I will have £500 to live on for food,petrol and entertainment. I can have some meals at my parents to reduce the food budget. ( they are kind like that). There is myself and my daughter and…
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Additional income and tax - so confusing!
Hi, I'm trying to make some additional income through surveys and streetspotr and various other Apps. I'm fairly sure that its OK to sell things on Ebay without declaring tax as everything I sell are things I own and that I make a loss on. But now that I am thinking of trying to make a few £'s (and lets face it, filling in…
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Help with DMP (PRA Group)
Hi all, I have been paying a DMP with stepchange for over a year now. I owe money: NatWest Loan: £2,680 NatWest CC: £3,993 NatWest OD: £415 Barclaycard (Now PRA): £3,587 I was thinking of offering F&F with some money from a family member but I am worried PRA group wouldn't play ball with only just buying the debt however I…
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Query re credit file entries & DMP
Hi, I am about to start my DMP with SC. say for example Virgin money issue me with a Default that goes in the creidt file for 6 years (from date is issue). Will they also put Arrangement to pay markers on my credit file for the remainder of the payments...does that make sense? It will take me yrs (prob about 10) for my DMP…
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Rainy day savings?
My last few threads have pointed to me being debt free very soon! However with our PPI claims we have cleared some of the debts and along with a change of employment we have looked at increasing the DMP payments..... We are also looking at keeping some in a savings account, for those rainy days/unexpected bills etc.…
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Monday 28th September - What small DFW things will you do today?
hen 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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Sunday fun: what's the cringiest money saving you've witnessed??
I know money saving is the name of the game for us all here, and kudos to us all for that, BUT.... I'm sure we've all witnessed extreme episodes of MSEing, maybe to such an extent as to make us cringe. So come on all, spill it. I'll start. A few years ago me and my then other half were invited to a bbq party. He bought a…
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Statement of affairs (on a mac and the formatting has gone to pot)
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 3,200.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Can a 'lost court case' incurred fees(winners costs) be included into a current DMP ?
if you are a in a court case, as a claimant (plaintiff) in a court case, and you eventually lose the case,! and have to end up paying the defendants costs (say the defendants put a cost of £20,000 for the claimant to pay, if the defendants win their case), and they get the courts to ask the claimant to pay this £20,000,…
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ccj still on credit file after 6 years
Judgement of ccj was put on my credit file 27/09/2009 So should come of today I just need it off for a job that starts end of this month. I phoned experia weeks ago who said it automatically falls off, hopefully because it's a weekend it will come off tommrow. If not when is it likely to come off I normally wouldn't be…
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Shoosmith's and ccj
We have a ccj from Tesco finance which is with Shoosmith's . They are now asking for income and expenditure , can they take us back to court for more money as any surplus money we do have gets paid to Payplan we have no more money to give them.
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does anything sound wrong here?
Hi All, I recently read an article to try and get rid of defaults on your credit file, and its basically if the paperwork isnt in order they have to take the default off your file. Here is an email i received in reply to requesting the information. Dear ..... Thanks for your continued patience while we reviewed your query.…
