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LLoyds Loans interest
I know I have asked this or a similar question previously however I finally complained about the way the two loans were administered, the details are below, my question is now do I take it further and go to the Ombudsman. In 2005 both my wife and I entered a DMP with CCCS (now step change) the two Lloyds loans we had (one…
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When an unexpected expense ruins plans temporarily
Ergh meant to be paying 500.00 next month off some of our debt but we have had to change childcare and have to give two months notice AND pay for a new nursery AND a deposit. It's a long story but my child can't stay where he is until notice is up to start at the new nursery so that's a new £180 and £150 deposit and the…
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Natwest Loan
Hi, I have an old natwest loan that was taken out around 2007. I ran into financial trouble in 2009 and put this loan into a DMP of which it is getting repaid every month. The loan was initially around 24k. When i ran into trouble i called natwest to ask for a copy of the loan agreement and they couldnt provide it as had…
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Thursday 24th 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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Council tax debt for old flatmates
I had enforcement officers come to my flat (shared, 2 others) last night about an outstanding debt from 3 years ago that has the names of my then flatmates names plus my own name to it. The problem being that they no longer live her and havent for some time, and i`m being told that its my responsibility to chase them up…
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Feel so stupid, can't stop spending and slipping further into debt...
Hi MSE's, I feel so stupid saying this but i can't stop spending money on stupid little things (and some big things) that i keep convincing myself that I need. It's like i'm trying to fill gaps with things and i'm in a constant vicious cycle of need, spend, regret, stress about having no money and repeat. I have tried…
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need to trim , cut slash
Okay due to the impending child tax credits cut I need to trim , slash , hack my budget . Can any one help or point me in the right direction . Only debt I really have is the mortgage and my student (spit) loan. As my childrens maintianince is 260 it pushes up my (??) income and they demand I pay it back . Any ideas where…
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Debt agency has my dob wrong and won't talk to me
I have a debt which was originally with the hsbc. It was a business loan secured on my house. I reduced the debt from 65,000 to 25,000 and never defaulted. Then about 8 years ago, my payment was one day late because I had to transfer money from one account to the other. The hsbc immediately put me into special measures. I…
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Soundgirlrocks DFW Diary
Ok so Ive not exactly a light bulb moment, & I know where the money has been spent, and a lot was planed expenditure so I'm not freaking out about where it has gone/ what have I got to show for it, but I want to clear the debt so I can move on the the next faze in my life. I realise I'm in a better position that a lot on…
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Advantis student loan dispute
When I left university I needed proof for dwp about leaving dates. The issue was I made an error because the form said date of last class attendance but the classes ended at Easter and after that was exams of which I had none so I put down a date a few days before the final loan/grant was issues though I was still on…
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Advice on reclaiming bank charges
So thanks to this forum and looking at my account details on Noddle I have finally (after years of thinking I didn't have any) realized I probably have quite a few bank charges on my accounts over the last 6 years. So I am sending off letters to all 8 accounts to request records for the last 6 years. I can't afford the £10…
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Moratorium / Guarantor Loan
Hi, New to the forum and hope this is the correct area for my thread. I have recently been accepted for a Moratorium as I am looking to enter a DAS (Debt Arrangement Scheme). I have informed almost all my creditors of the moratorium and they have all placed holds on my accounts, no interest / charges etc, until I set up my…
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Help Please - Missing Money with Money Plus Group
Hello All, Hoping you can help me understand how to put pressure on and resolve an issue I've having with MPG. Long story short - was in DMP with Churchwood for 5 years, last month they passed me to MPG, MPG wanted £100 in fees - I cancelled the plan two weeks ago after 1 payment (made on 3rd Sept). Spoke to creditors…
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debt grant forms- what to put to support a claim?
British Gas, Southern Water, both have hardship funds, to help customers (not just theirs), who have fallen on hard times.. Time to act. Looking through the application forms, I am at a loss what to put when it asks 'how a grant will help me', apart from relieving the stress of accruing bills (while out of work), etc..…
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Wednesday 23rd 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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Advice on my debts please
Hi all. Just to give you a bit of background I am a 22 year old male in full time employment. I am aware I have made some mistakes with money and therefore have some debts. This is from various cars / holidays and the only benefit is I guess I will have a good credit rating. I have outlined my situation below if anyone can…
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My journey to being debt free!
Hello Everyone, I have been a lurker for a long time and only signed up recently. I am finally going to give myself a kick up the backside and work towards being debt free. Bit of background, I am 22 years old, in full time employment and have some debt that needs sorting! My debit is listed below. Barclays Overdraft:…
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Repay debt without credit file imprint?
Hello I have been ignoring a utility company for several years without them ever finding out my name to put on the bills or chasing in any concerted way. They are now, very actively. It's around £10k I can get together the money to pay them. I want to know if I can repay without my credit file showing any bad history. I'm…
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Cabot - Relentless Pursuit of Debt
Hi, I am desperate need of advice regarding Cabot Financial UK Ltd. Back in April of this year, I received a letter from my local court office, which was a "Notice of Application for Attachment of Earnings Order". This was for an outstanding debt via J.D. Williams for £1,011.94 (though Cabot had raised this to £1,111.94…
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HSBC Overdraft Debt
I had a £100 overdraft that was used by £93 in 2010(The year of default). I went into a HSBC branch to pay it as it was showing on my Noddle credit report (a month later the account had disappeared. Tonight checking my equifax report I see the HSBC default is showing, my question is: is there a template letter that I can…
