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any advice please?
Hi, I wonder if anyone can offer any advice please? My wife and I have approx 17k debt on poor credit rating credit cards. We are just about managing and making the minimum payments [total £600/month]...but the overall balances never seem to drop and I can't see it ever ending. Is there a solution or advice out there that…
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Bill for Council Tax from shared house
A couple of years ago, I was living in a shared house with two other people. We had one person who agreed to be in charge of bills and who we paid money to. For Council Tax, all three of us were registered and we'd pay said person money to make payments. We moved from the property a year ago, with said person moving away…
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Out of nowhere... Link Financial?
Hi I was greeted today by a letter in the letterbox from Link Financial... Now, I've went on to CreditExpert where I have a current and active subscription to their services and there is no mention of any account with that balance, nor are there any entries under the report section titled "Do you still have unpaid debts at…
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3rd/4th October what small DFW things will you be doing 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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any advice will help
help understanding credit file and repaying debts please help 3rd Oct 15 at 3:52 AM #1 hi guys don't know where to start really basically i have been declined for pretty much every line of credit in the last few months i know this is irresponsible in the first place so now have recently stared looking into my credit file…
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Addresses for creditors
I want to send letters to my creditors letting them know I will be making token payments until my DMP is set up. Where do I find the correct addresses to use? When I look at the websites they seem to have several different ones plus all say the easiest way to contact them is by email or the message service on the sites.…
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Let's cheer ourselves up - what are we good at?
It's been so heart breaking seeing so many people here beating themselves up (myself included). Sooooo instead of always saying how rubbish we are and how bad we feel why don't we say what we are good at? I'm crap with money we all know that haha but I think I am a good friend and a good listener and I am certainly non…
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Partial Payment - advice required
Hi, I know this has been discussed before but I can't seem to find the advice..... My wifes LLoyds loan (currently with Westcot) has a balance of £4574.50 and we are paying £100 per month. Westcot gave us a settlement figure of 25% off (£3430) I asked if there was any room for negotiation and he said make me an offer. I…
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how long for court date?
Does anyone know how long it would be between issuing of a claim (small claim) and it getting to court IF there is a defence please I am owed what to me is a lot of money and am looking at taking court action as there has been no response whatsoever to my letters, before that I tried phoning and texting but again no…
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What do i do about my husband and my dmp ?
Hi, I have a dmp with stepchange and my income and expenditure update is overdue. I am not sure how to handle this as when i set up my dmp i was single and so my payments are based on my income alone. Now i am married would i be expected to give details of my husbands income ? My debts are from when i was in a previous…
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Full and Final Settlement- should I asked for less
I had a payday loan, which is nearly two years old. The amount loaned was £500. Already paid was £361.34 and outstanding was £347.56 This was added to my DMP and I have been paying it off at £25.71 a month. Last week I asked for a full and final settle figure. This cam back at £250.00 I then returned to them and asked if…
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DMP - pay off some debts and not others
Hi Guys Im currently on a DMP with Stepchange and owe about £23k broken down as below. Some accounts have been marked as default on my Noddle credit report and others havent. My question is , if I worked my a$$ off and did lots of Overtime and saved up about £500 every few months could I pay off in full the companies that…
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Capital Gains Tax from friend
If I am given a large sum of money by a friend ( not a relation), for the purpose of paying off my mortgage, how does it affect tax for us both?
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Friday 2nd 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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The best way to prepare for financial hardship??
I don't know if this is the right place to post........ I currently have job security and a mortgage (taken out recently). My job is under threat of serious pay cuts and I am unsure of the best way to go about preparing for this. I would potentially need to get by for 2.5 years will inadequate pay to afford the mortgage…
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Anyone Get A Default Removed From Wonga Debt Write-Off?
Hi, I was one of the lucky ones that got their debt with Wonga written off, unfortunately I got a default before it was reduced to zero, does anyone know if is it possible to get this default removed or not? Many Thanks
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Natwest Debt Help
Hi All, Well I am having a nightmare with Natwest I have a Business Bank Account and Personal Bank Account with them. Recently my business has struggled and debts both business and personal have been creaping up on me. I made the hard choice to close the business and save myself any further hardship. All my other debtors…
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Going back to basics after years of fighting debt.
Hi everyone I have been a member for a many years but have never been brave enough to do a SOA. Stupid me.......:o I have signed up temporarily under a new name to keep things from folks I know. Below is my SOA. The figures are for my income and payments only. Things which are missing are paid by DH. I got into debt long…
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1st step - need help & advise please
Hi all I'm in my late 20's, living with partner and 2 year old, both work full time with a joint income of £50,000. This is a new pay increase for us, both starting new jobs recently which bumped our household income up by £15,000. Our income is pretty good right? Problem is me, money literally burns a whole in my pocket,…
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1st October what small DFW things will you be doing today?
This thread is about the small money saving efforts we all can make each day. When we start our debt free journey we focus on the big things. Cancelling the sky subscription. Cutting up the credit cards. But along the way it is the little things we can do every day that keep us on track and making progress. Whether you are…
