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Wednesday 21 Oct - 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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Smack in the face
Hello all! Today (well yesterday now), I had the biggest wake up call I could ever remember. I got caught in the payday loan circle (wonga, cashgenie, quickquid, payday UK etc) and this went completely out of control, and racked up some massive debt. I also had Littlewoods, Very, Next accounts. I had to take just short of…
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Bank account question
I am just about to set up a DMP and wondering if I need a basic bank account before I do this? I owe nothing to my current bank. I don't have an overdraft. Can I just keep using this account and set up the direct debit to stepchange?
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PPI scam phone call??
Evening everyone, just wanted a little bit of expert advice please. Yesterday, I received yet another call re: PPI - they asked for me by my maiden name (I've only been married since 2008!) and I'm starting to get a bit shirty with these people because if they want my business, they could at least get my name right!…
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repay existing dmp with fs lump sum
hi,at present in to our 6th year of dmp with cccs, debt free date 2021.paying 570 into dmp at moment,outstanding debt 39000 ,majority sold to dca. in about 10 months time able to access final salary pension at 55 with reduction these are lump sum at 60 -61000 thousand with 9000 pa pension at 55-39000 thousand and 6000 pa…
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HELP - this only includes basics without things like presents, days out, holidays etc
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 5,700.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Writing Payday Loan debt off?
Long story short, much like many people here i fell into the Payday loan trap a few years ago. I was stupid, had financial instability and should've known better, much better, but its hard to describe what your mind goes through in times of sheer financial desperation. I was one of the people who Wonga got in touch with to…
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Summoned
I have been summoned to county court This Thursday for questioning for a debt that's a CCJ but I haven't paid anything on it at all... since it was taken out.. Its 8 years old now and I know its not covered by the statue bar so what can I do? Sorry to say I don't work due to back problem and I don't claim benefits my…
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Tuesday 20th 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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DRO and Fraud?
4.40 am.....Sleepless night per usual, contemplating whether what I have become is worth living for (the root of my debt is an appalling gambling habit, and I hate to admit the psychiatrist I seen a few months ago was probably right that the bi polar) . Sorry to go completely off topic, wasnt my aim. I guess Ill elaborate…
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Here I am again!
I am so annoyed with us, here we are again!!! LBM number 2 today. We got ourselves more or less sorted a few years ago, cleared A LOT of unsecured debt, and got a loan for £8000 to consolidate the rest with the Co-Op. Today my car went in for some repairs (nothing too drastic), only to receive a call this afternoon to say…
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Debt free by 30!
I'm turning 29 next week and it's hit me how I'm still terrible with money! In my early twenties whilst at uni I got in some debt and buried my head! I am currently private renting and have been for 5 years and hate it, hate the way landlords treat tenants and won't do any jobs whilst I'm paying top end rent to live in…
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Nearly ex-husband's debt-how does it affect me?
Hi everyone, I'm looking for some advice on what to do about my ex-husband's debt. At present we are still married but divorce proceedings are doing ahead. I'm living in the house he owns. My name is not on the mortgage because at the time we bought it, my credit rating was very poor. I've been effectively renting it off…
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to pay or not to pay defaults before mortage applciation
Hi All, I got into some debt in mid twenties, lost job, debt went bad usual story. One was a for a £7k credit card that the lender took to around £10k before taking me to court, I got a CCJ before my old man lent me £3k to pay them off as a final settlement. I have that and 2 other defaults on my credit file and they are…
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How much do you have left over at the end of the month?
Hiya, after my first post at the weekend my head is spinning trying to work out all my finances and debt and Apr etc etc. One thing that's on my mind is after all the bills and necessary spends e.g. Food shopping and school stuff how much is normal/average to have left over at the end of the month? I'd like to be able to…
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Get debt free or save
Ok things have gone well debt wise the last 6 months, I'm currently down to 2 accounts left and i'm paying NO interest on either of them... So I could continue the monthly payments and 18 months be out of debt and save during that time. My account offers a 6% if I tie money up and save for 12 months. I know I shouldn't be…
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eBay ~ Help
Hi Everyone, Looking for abit of advice, around 6months ago i sold some JuicePlus via ebay, it was my ex's and she had moved out, it was un-opened and sent recorded. the user disputed and said one of the pounches was opened which was un-true, anyway i received the goods back to find that all the pounches had been opened…
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Hearing at Court
I wonder if anyone could tell me what a hearing is like with a judge. We have been given a date for one as I sent a letter to the court following a failed Order for questioning, an ignored undertaking and an issue with money owed for this and other fees which we have paid out trying to locate the defendant etc and costs to…
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Going alone?
Dear all, I have been with my DMC for 10 years & although they have helped me tremendously, both mentally & financially, they seem to be giving me advice at the moment that is very confusing! I have 8000 to put towards F&Fs, I've requested CCAs (which everyone on here gave me the advice to do, not them) I'm awaiting some…
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Council tax and Ross and Roberts
I went through a marriage breakdown last year and left my bills and subsequently my council tax was passed to Ross and Roberts. I got back with it and sorted it out when they threatened to come to my property. I made a payment of £70 on a debt of £950. I also told them I was disputing this amount. 1 month later I have an…
