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Risking getting another credit card?
I was bad with credit when 18 getting a few student overdrafts that I ended up being unable to pay back, I am 31 now and last I checked my credit score about 4 years ago it was clear but after that had identity fraud in my name. I did apply for a flat rental a while ago and passed the credit check for that, think it said I…
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Pursuing debtor who lives in Scotland
I live in England and I want to start proceedings to try and recover an £8k debt from someone who lives in Scotland. I went onto money online but you can only use that service if the debtor lives in England or Wales. Does anyone know whether I can still use the English court to establish liability of the debt, if I put in…
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Help, i don't know what to do anymore
Hello, My debts mount up to £10000 on loans/cards/over draft, I owe my parents a further £7500 for my car. My rent + bills comes to £420 a month and I earn £241 a week (after tax), after making the minimum payments I'm left with £45 a week to live on. I work 7 days a week on my parents farm as their getting old and can't…
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Did I ever owe this debt to utility company?
6 few years ago I lived in a shared property though everyone had their own contract per room basis, the tenant who had their name on the bill moved out before I even moved in and the other current tenant said it was in their name after that we just paid the main tenant so much per month. A few months after I moved out I…
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IVA's...the negatives?
Hi all. I have been recommended an Iva by both pay plan and step change and am just waiting for my phone call on Monday coming from their iva team to see if I can proceed. I'm terrified, full of self loathing and to be honest, still desperately trying to think of another way, which is looking hopeless. I've been doing a…
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Thursday 8th October - 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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Interest accruing debt free!
We have finally paid off our interest accruing debt. So many years, but it's nearly gone! We have £1320 outstanding on card which is 0% until June 2016 but should be in a position to save £600 per month so will have enough in saving soon to get rid of that too! I'm so excited to finally be able to focus on the next stage…
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Help with bailiff required 😢
Hi there, apologies if this is in wrong place but I can't post in CAB and I'm a bit desperate. This morning I had a bailiff attend my house regarding outstanding council tax. Yesterday he came as I was picking my son up from school and he gave my daughter a letter saying they were coming today to remove property if he…
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Family Fraud?
Sorry If I'm posting in the wrong place. Hello, I don't know where to look for advice as I can't find any other situations like mine. My daughter is in her twenties and has ongoing mental health problems - Chronic depression, panic disorder, borderline personality disorder. She has been in debt with various…
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Advice please - been on a DMP for 6 years
Hi all, I have been on a DMP for around 6 years and really want to try and clear this debt as soon as possible. I was wondering if it is too late to send CCA Requests as i have been paying these debts for so long and acknowledge them? Or should i still request these with the thought that i may be able to request low F&F…
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Debt Free Diary - The Start of a New Beginning - Help and Advice Welcome!!
Hi there, Any advice on paying off debt? I've been going round and round in circles for quite a few years and it all started off with a gambling addiction. I've just bever seemed to get out of the rut which started with this horrible addiction and always tried (not hard enough...I guess). Starting from today, I'm going to…
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Cabot Financial
Hi I received a statement from Cabot today, saying I had made no payments to them (this is correct as I dispute the debt). Interesting thing is this. Cabot's own statement says this: Original agreement date May 2006 (when I took out the HP) date of assignment December 2012 (date Cabot got the "debt") when they phone I hang…
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Quick Quid/Mackenzie Hall Help Needed
Good Morning Hoping this is the right place to post.. Approximatley in 2011 i took out a small loan of £150 with quick quid and managed to repay in full, no problems. Then i borrowed again and long story short got into the payday cycle with numerous companies. All these loans were repaid in full eventually having set…
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Wednesday 7th October - 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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Hiding debt from my fianc!..
I need to tell her, but I know if I do that will be the end of us, I don't want that to happen as we have got two wonderful children that are only 2 and 6 months It's all down to me being a stupid teen. Payday loans and overdraft, I owe around £400 to Wonga, about £900 to QuickQuid (this has been outstanding for 12 months…
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Are you ineligible for Bankruptcy if your spouse could bail you out?
So, here is all the important details in short: My wife has accrued a large amount of Credit Card, Payday Loan, Unsecured Loan and Store Card debt. I would estimate it to be around £30,000 These debts have been accrued over about 18 months. We have been married for less than 6 months. We have no joint finances whatsoever.…
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Please please help and advise
I would be so grateful for some help and encouragement as feeling pretty rubbish about my situation. My statement is below. To explain a few things: * I own a flat in the South West where I'm originally from. I have been renting the flat out for £700 pm until last year when it developed a serious damp issue and leak and…
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Relationship breakdown
My bf moved back with his parents, no discussion, no talking. Just moved and got the estate agent in today and put the house on the market. Of course I have to sign too. I have pretty major mental health issues and I am devastated. My illness is finally stable and then he does this. Ive had the papers for 3 hours and now…
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Large CC debt, little income, best option?
Hi. Before I begin I'd like to give you some background about myself. I'm currently in my fifth and final year of medical school, meaning from next August I will be working as a doctor and earning a decent wage. Over the past few years I have racked up considerable credit card debt, mainly due to reckless spending on my…
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Xercise4Less - CRS
Hi all, I was hoping for some advice. I was a member of Xercise4Less on a rolling membership. I paid £9.99 a month for this service. I hadn't used the gym for about 2/3 months and still paid the membership (typical gym user). In the end I figured I could use this extra £9.99 and put it towards a gym that I actually want to…
