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Asking for Help/Advice.
Okay. I keep putting this off. This is a long one, so I'll try to keep is short but concise. I was made redundant, with 14 other people from my workplace of 9+ years. With the money I decided !!!! it, and went to Australia for the year. (Instead of paying off debts) I maintained debt repayments for as long as possible. I…
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what's going on?
Hey everyone, wondered if more people are noticing a shift in the attitude of financial organisations right now, more than ever before. Not going to write a wall of text here, but to cut a long story short... Married, 2 kids, both home, 1 on gap yr, other ft student mortgage>11yrs left, working professionals 25 yrs plus in…
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Saturday/Sunday 12th/13th 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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1st Credit F&F Advice
I've had a couple of old bank accounts, one around 800 and one around 2200, passed to 1st Credit. I am thinking of offering them a F&F, but unsure the amount to try for and also have read some bad things about them just out and out refusing to accept offers and always going for the full amounts. Any advice welcome. Can…
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Moorcroft not accepting full and final settlement
Hi, I recently emailed Moorcroft offering a full and final settlement (using a debt advisory template). They called me earlier to discuss and said they would settle, but my credit file would say it was partially settled. I said that I only wanted to do it if I got full and final but they refused saying they didnt offer…
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Allied International Over Payments
Hi All This is my first post so please be patient. I have just got off the phone with Allied International Corp to find out my account with them to settle a debt had been closed since March 2011! However, they have still been taking payments of £100 from my bank account, with the last one being taken in August this year. I…
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How to teach children about money management?
Hi, I was just reading the thread about the parent wanting to help their son with debts and it got me thinking about what I can do to help my kids for the future. My kids don't know the value of things and are spoilt by my mother in law. They get toys all of the time and pocket money. It saddens and worries me that they…
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Vodafone Old Default
Hi All, Apologies if this is in the wrong place. Any help is appreciated. I had an account with Vodafone that should have finished mid 2013. Missed a few payments and it dragged out until Feb 2014 when they passed the account to a DCA. I spoke to the DCA and was offered a Full and Final settlement of about 70% of the total…
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Basic Help Please
Hi all, I have recently began using this site and have found the inspiration to finally sit down and face the big mess i am in, basically i had a good job and was able to pay all my bills, i was made redundant and then struggled to find work, in that time everything got messed up and i didnt know what to do, then…
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Trying to control my sons debts
Hi all, my son has finished Uni and is living with us until he gets himself sorted financially. I am here to ask if anyone can point me in the direction of a spreadsheet that will help me establish all his debts and try and take control of them as he is ignoring it because he is frightened. I want to face the issue…
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Friday 11th 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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SOA please help me trim the fat
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1500 Partners monthly income after tax....... 1100…
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Unknown Capquest Payments
My other half has been checking through her finances and found 2 payments a month to Capquest Investment. There appears to be no reference numbers attached to the payments. Unfortunately she seems to have no recollection of what these payments are for, nor does she have any paperwork relating to them. There is a…
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MP's expenses
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Returning Intl Student with Debt
Hello there, Allow me to share my scenario. Coming to the UK to study at a prestigious university for my undergraduate was definitely a dream come true. Everything was new to me; having to open up my first bank account overseas, settling bills myself, groceries, etc. Now, I was very much aware that banks do not issue…
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Thursday 10th 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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And so it begins
Hello everyone, I am a long time lurker but have decided to bite the bullet and deal with what I call the 'toxic' areas of my life, one of them being the level of debt that I have accrued. I am 35, married with a son. I have a good job that I do enjoy, a comfortable home and a lovely family. I am very lucky in many ways,…
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CCJ attachment of earnings northern ireland
Nationwide promised me that if I let a charging order be put on my home, for a credit card debt, I would not have to pay them off quickly, as the charging order would just ensure they would get their money if I sold the house. the debt is around %5000 and I have been paying them off £20 a month, which was going ok, but…
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My debt free journey
Hi guys long time lurker not really posted here before regarding debt and credit reports but hopefully you can give me some advice. I paid the £2 fee to get a report from Experian it came back with 3 debts * £179 to EE default date 22/10/2014 * £595 to TSB bought by MKDP LLP default date 18/02/11 * £3 to TSB currently…
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Determined to be debt free
I've been reading threads on here for quite a while now and have finally plucked up the courage to start my own!! We are in quite a lot of debt and I am struggling to see how we can get out of it :-( Our debt is approx £41,000 which doesn't include our mortgage!! Feel a bit of relief actually writing it down, it's like a…
