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Freebies/something from complaints/compliments
I remember reading a while ago about people who wrote to companies either complimenting them or complaining about a product or service. I have sent one or two in the past but heard nothing back so got dis heartened, until I bought my mum a tin of Macaroni cheese from certain Hz brand. She sent a message from their website…
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On DMP - attempt settlement offer?
My partner has been on a DMP for one year now. She has £20k in debt with over half consisting of a loan she had taken from her former bank. The remainder is credit card (Barclaycard, Aqua card, Capital One), overdraft, and payday loan debts. She has over 5 years remaining on her payment plan. I've read a little about…
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Tomlin Order & Poor Solicitor?
24 years ago, my ex husband and I took out an endowment mortgage for £39,000 to buy a property. We shared all bills 50/50. 4 years later we divorced and sold the property during a major slump and were left with a debt of £10,000. At the time, my ex husband paid the mortgage provider a settlement fee of £2500 as advised by…
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Pastdue Credit Solutions 2015
I owed a sum of money to HMRC, 50% of overpaid tax credits between me and my ex partner. A representative of HMRC attended my OLD home address in 2013, when I still lived there and paid my 50% plus admin fee in full, luckily by credit card, receipt obtained. Moved house in July 2015, a whole two years later. Suddenly had a…
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A mixture of f&f settlements and full payments to get rid of the lot
So I have a plan now to get rid of all my debt once and for all... Credit card 1) £17,700 settling for £11,000 Credit card 2) £3,800 paying in full Credit card 3) £5,150 paying in full Overdraft) £1,760 settling for £1,150 I guess maybe it's human nature to think "I wish I could have agreed a settlement on cc2&3, but on…
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Sat/Sun 31st October/1st November - what small DFW spooky things are you doing this e
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 needed RE bullying enforcement agents
Hi Guys! (and gals) After some advice really. I had my brother on the phone in tears a few days ago as had letters sent to his address addressed to previous occupiers demanding £6,000. Shocked at how they could get it wrong, he phoned them up informing them that the debtor no longer resides at the address. They (julious…
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From debts to financial independence - what are the milestones?
Hi, I've known that MSE is a big community, and lurked a bit previously, but this is my first post as my wife and I really try to get on top of this. I've got some debts from a few years of living beyond my means, but I earn a reasonable amount and it should be manageable. As I think about the journey from debts to…
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Overdraft help
Hi! I need some advice to get out of my overdraft, I've been stuck in it since I left university and had to use it whilst I was inbetween jobs. So sadly now I'm stuck at £1250 overdrawn. My wage is £1250 per month (NQT teacher). My rent is £500 per month. Gas is £90 per month (its gas tanks, and I regularly go without…
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Student overdraft
Hi, My wife graduated from university in June & has a student account with Halifax where she is currently £2000 overdrawn - interest free for first year after graduating which ends in June. Sadly, she couldn't get a job in teaching so is doing supply work which seems to be none existent at the moment. This means she has no…
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Feeling fed up
Hi all, This is my first post, However I have been a long time lurker of this forum. I am a 27 year old women with a semi-professional job and a bit of debt and I'm desperate to save. I currently owe Very account - £150 on BNPL (Laptop I purchased) till May 2016 Study bank loan - £920.36 Paid at £103.49 a month till July…
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October the Great! - How was it for you?
So as the leaves drop and what was a beautiful October draws to a close time to reflect on how it went. Pretty good on the whole, completed switch of all existing CC debt to new 0% cards which should see me through to the end of paying them off. No major financial traumas. YNAB all reconciled with ease, but i haven't been…
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F&F refused, any advice?
Hi all, I have recieved a letter from Cabot as follows, We are writing in regards to your Cabot account, unfortunately we are unable to accept your settlement offer of **** , however, we are prepared to accept token payments in order to assist you further. This account has not been able to locate CCA, should I write back &…
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SOA Help!
Hi all, I'm new to this so please be nice! I know our debts are no where near as big as people on here but they're still keeping me awake at night. Me and my partner are still very young. (20 and 21). We are stuck between living frugally and clearing our debts or enjoying being young and continuing nights out with friends…
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Is it worth a begging letter?
I began my DMP in june 2011, the total owed was £38,259 Now the end of the tunnel is so close i'm considering a nice begging letter to Moorgate asking for some goodwill to write off the last £545, my goal was to be paid off by Christmas but I just cant make it I owe them £795 and hoping there is a chance they would accept…
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Friday 30th October - what small DFW things will you be doing 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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Payment of !!!!!!
Hi Hubby and I are getting ready to make payments on the !!!!!! we have negotiated. We have read that it is better if a third party makes the payment on our behalf. Can anyone explain why this is and is it a problem if we make the payment ourselves. Many thanks :)
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Returning a car on finance.
Hi everyone. I recently got a car on finance through startline on a 4 year term, however just today iv got a new job with company van and personal use so dont need 2 cars (my partner also owns vehicle) so i was wondering if i can return the vehicle end the contract early,terminate the agreement early or what my options are…
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Council Tax help in England
I'm not sure if this is the right forum so forgive me if its not. My local authority are chasing me for unpayment of council tax from 2007 to June 2009, the property was tenanted at the time but I've been unable to find my old tenancy agreements. I've not spoken to the council yet on the matter but I doubt their going to…
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Help ,debt company refused my offer....
hi all I am on a DMP and have been since 2005, It was an old CC with Mbna which sold the debt on in 2006 to 1st credit. With interest it mounted up and have paid off £1295.00. I still owe £4610.00 and it is not likely that I will finish paying for a very long time yet. I currently pay £20 per month. I just got a small lump…