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Full and Final Advice Needed!!
Hi, just joined yesterday & in need of advice. If this post is in the wrong place, apologies! I have 3 debts at the moment, not massive in comparison to some, but ones I want sorted if possible. Bit of background, since having these accounts I was made redundant. I now have a new job but it's almost 30% less basic & approx…
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Whats better a DMP or a Bankruptcy
Hi, I've now been on my DMP for the past 4 years and about to hit half way.. I always have this niggle that if I had filled for bankruptcy, my debt would have been done and sorted by now. What's everyone's thoughts on this? Cheers
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Keeping Motivated
Hello I've lurked on and off for years but decided last night that I'd take the plunge and sign up. As you know getting your affairs in order can feel like a very long haul indeed. Three years ago I had debts totaling £43,500 which was well over 125% of my gross income. Last night I was doing the sums as I often do and was…
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Ex Partner Trying To Ruin Me....
Hey everyone just looking for some advice. This is actually in regards to my partner who is in financial difficulty due to his ex partners spending habits. They recently split after 8 years together (recent = 10 month) and he is now in control of his finances after she did everything in that side of the relationship. He…
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Full and Final offers
Hi, Been on a DMP 2 years. Debt down from 22k to 8k. Threatened with closing my DMP twice for bipolar -induced speding. Now maybe about to get 5k from the courts for an investment that was dodgy. Obviously, I want to clear as much of the debt as possible. Any ideas what % to offer as full and final settlement. If I go 8k I…
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Saturday/Sunday 19th/20th September - What small DFW things will you do this weekend?
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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Small debt, best option?
Hi all, So after a few years of rattling round jobs and tiny bits of unemployment, I've finally landed myself a secure job with decent enough money. So, finally I can look at the future. Me and my wife want to save, ultimately for a house. I am terrible with money however, and have no instincts or knowledge. So, I have…
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Don't know where to start...
Hi there, I am 31 and in around £20,000 of debt. It's ruined my credit rating, and was mostly from when I was very young and foolish. I'm now in a situation where I desperately want to rebuild my credit. (Noddle states my rating is 1/5- not good). I'm self employed too, which doesn't seem to help in my applications, as I'd…
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CCA Response from Cabot (was Lloyds CC)
I have just received a reply to my CCA request from Cabot who recently took over a debt for a Lloyds Credit Card for around £11k I'm not sure what my next course of action should be. If I stop paying and then they finally get the paperwork from Lloyds in a few months then they may be likely to take me to court. I was…
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Friday 18th 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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Debt advice - Rossendales are looking for me?
So I'll try to add in as much detail as I can for you guys :) When I was 20, I had my own place, a job and everything, and I was made redundant, my decision was to move to the Netherlands, I dropped my keys off at the councils letterbox and moved with my girlfriend where I stayed for around a year. While I was there, my…
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VAT bill from sole trading partnership
I was briefly in a sole trading partnership about three years ago and I walked out due to the other partner running up debts and not telling me about them. The partnership ended and he carried on trading but did not do ANY other vat returns or tax matters. He has gone into hiding and has left the VAT office chasing me for…
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Cabot
I CCA'd Cabot for an old debt which has done the rounds of umpteen debt collectors. They have now responded saying that they cant provide me with the information within the relevant time period. They say they will continue to request the information and that my account will be put on hold with the Customer Care department…
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Clearing high amounts of debt without defaulting?
Has anyone managed to clear large amounts of debt without defaulting? For our jobs, it's not an option, so we have to do this properly. Currently our debt stands at 57k and this needs to go, we are spending £1400 a month on minimum payments right now. I need to know this is doable, with only a couple of hundred spare a…
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Getting Default Date Changed
Hi, I have been on a DMP with PayPlan since June 2009 I have four defaults on my Credit History, the default dates are showing as follows... 20/8/09 (this should have come off by now) 13/1/10 (not great but can live with this for another 3 months) 3/5/11 21/7/11 I thought was default date should be the date the DMP was…
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fail to comply with a SAR
a company has not provided what was requested under a SAR within the 40 days. Is it just a complaint made to the ICO that would happen next? Thanks
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Thursday 17th September - What small debt free wanabee things will you do today?
As the thread title suggests this thread is for tracking the small but important actions we take every day to keep on top of the pennies and reduce the debt. When we start our debt free journey we focus on the big things. Cutting up the credit cards. Cancelling expensive memberships. But along the way it is just as…
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Help with default please?
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Advice Please Help
Some years ago my partner split with her husband leaving her with debt. They both have been very stubborn about this debt with neither of them paying, my partner went to money matters back in 2009 and they basically said the only way would of been going bankrupt which at the time with the advice she was given wouldn't of…
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CCA request what does it need to say?
hi all I requested a CCA from Barclaycard what am I looking for, for it to be valid if that makes sense to confirm they have the correct paperwork for my debt with them? all I got was the following I write further to a letter requesting a copy of your excuted agreement for the above account. the information we must provide…
