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Wednesday 16th 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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Struggling with ADHD and sorting debt
Hi guys! So this is my first proper post and I wanted to ask for your advice if I may. I have a condition called Adhd as well as dyspraxia and aspergers. I also have a lot of debt due to my impulsive nature and my penchant for doing things without thinking them through properly. I can't use the phone comfortably so my only…
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URGENT: bailiff seeking arrest warrant.
I'm sorry for the long waffle- but could really appreciate some help on what to do about this. We have a problem with Rundle & Co bailiffs. We have admittedly large council tax arrears- (bit of a long story) just over £2000 and, stupidly, I admit, didn't do enought to sort things sooner (also a long story). We didn't…
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Any advice much apprieciated
Hi, I have had PPI redresses amounting to 8000. I have been paying back my debts for 10 years as I am disabled & my husband is in low paid employment. We are with a DMC but they seem to be taking an age to make offers to the creditors. We have had to cut our budget back again, & the payments to the creditors are very low.…
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Help & Advise needed ASAP
Hi, I hope someone can help me. I have debt spirling out of control and I want to get this under wraps asap. I have contacted a few debt management plans, most of who either want me to pay more then I can afford or want to take amassive fee so less goes to my debts. Can anyone advise the best companie to use. Also I am…
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I can't believe it's taken us this long....!!
Hi all, it's been a long while since I posted anything on here but reading back on some of my old posts makes me feel really cross with myself as by now, we should no longer be in debt....or we should have at least been able to manage our finances better...until now that is! Back in May, I gave birth to our beautiful baby…
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Tuesday 15th September - what small DFW 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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Another one bites the dust
Just had to post cause I'm so happy, just checked my account and some of the PPI pay back that I was waiting for came through today, I allocated the lot, paid the remaining balance off my MBNA card and £700 off my lloyds one. That's 2 debts down 3 to go!! think I'm going to close the MBNA one and keep the lloyds one as the…
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How to collect a debt
Not sure this is for this forum but thought I’d have a go.I was badly let down by a firm of solicitors representing me after a car accident.Essentially they didn’t file my independent witness statement in time and it was made inadmissible in court.I lost the case and made a formal complaint. They offered me a tiny amount…
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Help with switching
I've spent a couple of weeks reading posts before joining the forum and now feel that I need to ask for help, I've been in debt for as long as I can remember and am now 48 years old, 8 years ago I realise LBM that I had to sort it so took out a loan with lloyds for 9000 to pay of some credit cards, sure that I could then…
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Homeowner (with mortgage) - huge debts IVA or DMP?
Hi everyone I posted a few months back admitting that I had huge debts and had run credit cards up again :( The guilt of hiding this from my husband was eating me up. I ended up being signed off work but if I am honest with myself the debt just added to our family problems. I told him about it and I didn't feel any relief.…
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Debt consolidation?
Help. We've been burying our heads in the sand for far too long and after a shock this week where we totally ran out of money and had to raid the piggy banks for pennies for food, I'm finally trying to sort the money situation out. I've made a list of all incomings and outgoings and looked at ways to maximise the former…
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Overdraft Cut Down
I cleared my overdraft at once a few years ago after just saving the money up, a friend of mine is looking to clear hers, she has until March agreed with her bank to clear it before it goes to Arrangement to Pay. I should really know but what is the best way to clear it to reflect well on her credit report. Can she say ask…
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Where do I start?
Long story short. In 2010 I left a nasty relationship in a hurry, without a lot of paperwork. Couple of months later I lost my job. I had a few accounts that were all up to date but I started to miss payments and was issued with default notices. Buried my head in the sand. Now I'm married to someone else, got a new baby…
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Jacobs Bailiffs- Broken Agreement.
Hi All I had an agreement with Jacobs to Pay £50.00 per month off a council tax bill.I set the agreement up in June. Although I haven,t paid £50.00 every 31 days as per the agreement . I have paid more than £50.00 every month after June. 12th June £50.00 20th July £75.00 17th August £60.00 08th September £100 You can…
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Old Debt, Robinson Way & Mortgages!
Hi All To cut a long story short, i took out car finance with Welcome Finance back in 07/08. Failed on payments for various reasons, car was sold and debt left unpaid. In 2011, a company (can't remember their name) caught up with me and agreed to halve the debt (on the basis my ex partner would pick up the other half). I…
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Don't seem to be getting anywhere
edit: see updated SOA later in thread...... I just don't seem to be getting anywhere. I do own a house which is rented out paying the mortgage, letting agent fees, insurance, gas safety certificate and maintenance expenses. I'm left with little profit. I know selling it would clear the debt but I really don't want to sell…
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Monday 14th September - what small DFW 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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Statute barred debt & applying for a mortgage
Hi I was wondering if anyone could help me in relation to statue barred debt and how this impacts on me. I have checked my credit file with Experian and the 2 creditors which I believe debt is statute barred do not appear on my credit file. Could these have been removed as the debt is over 5 years old? If I was applying…
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statute barred question
Hi, i moved abroad and while there i increased my overdraft with halifax to £2000 and took out a 5k visa with halifax, i made a few payments and then stopped. i also had a £700 overdraft with lloyds. i believe this was early 2008. i returned last year and waited a while but the debt was passed on to debt collectors, i…
