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Bank Account charges - Horrified - way ahead
I was advised to move this across to this forum Hi all, newbie - be gentle Just totted up bank charges across 3 accounts (2 of mine, 1 missus) all halifax - I was horrified.. Kennyruss72 account 1 - overdraft £1k - total charges since Jan 2012 = £1326 Kennyruss72 account 2 - overdraft £2.5k - total charges since Mar 2009 =…
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Cabot financial statement
Hi, sorry me again. I've received a letter from Cabot this am & they need me to complete a financial statement, on it they ask for information about my other creditors & debts I owe to them, its in relation to f&f offer. I have a completed budget from my DMC, it includes my total debt balance, but not whom I owe what to,…
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Court. Please help
At the start of September I received court forms for a old credit card debt, I was expecting they would come. I filled them in accepting I owed the debt and offering them a monthly payment amount like it instructed me to do so on the forms. I sent them back a few days after I received them. This morning I have now received…
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Disputed debt
Hello, I have a debt which is in dispute. The company did not submit final invoices to insurance to be paid. I have written proof of this from insurance company. Refused to listen or deal with me and handed it to debt collection. Have said repeatedly it's in dispute and it needs to be returned but they have said the…
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Blake Lapthorn & f&f offer
Dear everyone, Has anyone had experience of Blake Lapthorn? I am hoping they will consider a f&f, however, they placed a court order on my home about 3 years ago for a 4000 debt. I have secondary MS, my budget from DMC has been reduced from 300 a month to 200 a month due to low income, hubby is my carer & can only earn 110…
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Quickest way to get money to someone!
I get paid on the 26th October, my full and final to Barclays is due by the 29th October. Is a 'faster payment' the quickest way to get the money there? Thanks!
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Tuesday 6 October 2015. What small dfw stuff 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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Full settlement offer letters
Hi, I am in a DMP and have been for just over 3 years. I am getting a bit frustrated with the rate at which my debts are going down. I have managed to save a bit of money through doing some overtime and was thinking of making a few cheeky full and final settlement offers to some of my creditors, the smaller value ones.…
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Looking for help with quickest way to get out of debt
Hi, Ive been a student the past few years and in that time had two children. To cut a long story short me and my other half have accumulated a moderate amount of debt. Thankfully ive been offered a job i should be starting in the next couple of months. We want to clear our debts asap to be able to get a mortgage. Im…
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Help me please
First of all we have been very stupid and ran up a large sum of debt totalling £33000 and i am really beggining to wonder if i can ever pay it all back. Our income per four weeks partner wage=£1340 after tax me about £850 so i figured out that we both pull in £28450(which seems a lot)cash our mortgage over the year is…
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Overdraft debt - any advice would be appreciated!
Hi I had an overdraft debt with Santander that I was making monthly payments towards. During this time I moved house and told them in branch and via a letter. The branch said they had changed my address. I became a student and could no longer pay my monthly payment so I phoned them to tell them. It turns out they had…
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Help - Old "Debt"
Hi. I received a letter at the weekend advising I owed Halifax £1400 and needed to contact Link Financial to discuss repayment. My concern is that I haven't held an account with Halifax for about 15 years. I wrote back to them asking for proof of when this relates to, where the account was opened and a copy of the signed…
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Council Tax Debt Issues
Hello. I hope this finds you well. Over the past I have struggled with living life as a standard person, personal issues, depression finding work, etc. Over the past year and a half or so I have got back on track, got myself back into education in a manner to start afresh. Although my years of financial ignorance have come…
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Monday 5th 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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Very debt help
Hi, I deperately need some help. I have an account with very which was always been paid on time for last 5 years and never paid a penny in interest. Last year I bought stuff worth 3K on BNPL for a year believing that I will manage to pay it off before payment free period ends. Unfortunetly my other half got ill begining of…
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My SOA
Hello, I'm new to budgeting but have spent the last two days trying to work a plan to pay back my debts. I have put together a SOA. I'm looking for someone with a better eye than me to see if what I'm proposing is feasible. Please go gently, it's been a tough couple of days . :) Many Thanks Chris Statement of Affairs and…
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A balancing act....... advice needed.
Hi all I'm new to the site but have been on a DMP with Stepchange for just over a year. I increased my payments around six months ago alongside a payrise as I am really keen to pay off my debt as soon as possible. However I feel as though I may've been unrealistic and although most months are just fine (being frugal and…
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Suspicious letter from Barclays
I received a letter yesterday from Barclays that I was expecting re my full and final settlement. I also received another letter pertaining to be from Barclays with all the correct details requesting I settle using a different sort code and account number - the letter was littered with spelling and grammar errors and was…
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Pay it back or budget it
Morning, I'm after some quick advice with regards to how I go about paying back my debts but also how I budget for the year. I compiled a budget using the tool on the site and it has really surprised me how easy it is to save for Christmas/birthdays/car mots etc. if I'm putting a little away each month instead of the…
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Budget advice please?
Hi everyone I'm looking for some advice about how to manage my 'surplus' money after I've paid everything out. I do have a budget, which includes money for gifts, car, petrol etc. I have a set amount that is the minimum I pay towards debts each month, which is more than minimum payments, but would like to pay more. I have…
