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Need Advice :(
Hello Everyone, I am new to the board but have quite a journey ahead of me, im in a predicament all in all my debt last week totaled 23k I have recently downgraded my car so i no longer owe 10k+ on finance i now on £3100 on finance for new vehicle and old vehicle was settled in full nothing owed. the remaining debt is…
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Remove default
I have just checked my noddle report & my credit report is perfect except for 1 default from vodafone. The default is for £22 & is dated 01/10/2013, I had no idea I even owed them anything!! Is there any way to get this removed?? Thank you
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Monday 19th 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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lots of debts and court letters
I recently became homeless. I was evicted as my landlord got fed up of my erratic rent payments due to my unstable working life which has been in part caused by my experiencing incapacitating depression 3 years ago. I am still trying to get my life back in order and have struggled to hold down work. I have lots of debts.…
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Quick question about "Prove it" letter
I'm writing a prove it letter as Lowell are chasing me for an old (about 5 years I think) debt that Im not convinced I owe, however I just have a quick question about which company I put in the "CREDITOR" bit on the template in here https://forums.moneysavingexpert.com/discussion/2607247. Is it Lowell or the water company…
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Cap Quest
Hi. I'm having a great deal of difficulty with Cap Quest in relation to entries they've made on my Experian credit file. Although they accept in a letter that there have been no late or missed payments since June 2014 they refuse to correct my Experian file which suggests 12 late or missed payments over the last year, all…
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Little advice needed
Hi all Been on a dmp with step change for 2 years, after a big hiccup in march last year ive been on track and making progress :) From this month onwards i will be earning a little more money each month which i will pay towards my debts of course to get rid of them quicker. My biggest creditor is everyday loans, i owe them…
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DMP and late fees
Hi, I have just entered into a DMP with Stepchange for two credit card companies Barclaycard and Tesco, both accepted my payment plan quite quickly and show this on my statements but Barclaycard haven't frozen interest, just reduced it to 3% and Tesco are adding a late payment fee of £12 to my statement. I was just…
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How open are you about your debts?
One of the things I am learning through this process is that people have such a taboo attitude to debt. I keep our debt a secret from our nearest and dearest. If anyone asked if I had any debt I would probably say that I had a bit on a CC and perhaps a loan but nothing major when in fact I am servicing debts of 40K (joint)…
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60 months until I am 50 & hope to be debt free
Hello all I am embarrassed to admit that I am living beneath a black cloud of debt . I need to sit & work it all out but if I'm honest and realistic it's going to take me at least 5 years . In 5 years I will be 50 . Huge birthday and if I can be debt free by then , best ever gift to myself :o
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Feel so alone
Hello, I joined this site today after my LBM where I was sat trying to get yet another loan and my bank was going through my account with a fine tooth comb questioning every transaction it was completely humiliating and I feel so so ashamed. Needless to say I never got the loan approved thank god because I am up to my eyes…
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Missing creditors who are on DMP but not on credit file
Hi I have been in a DMP with stepchange since 2009, in for the long haul. However I know that over the past few years I have significantly reduce my debts and am committed to doing so completely. I checked my credit file today as was curious to know when defaults will come off my file and noticed that there are two…
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Sat 17th/Sun 18th October - what small DFW things will you do 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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Council Tax debt help.
Could anyone give me a little advice please? I have a council tax debt, earlier this summer I was suffering with glandular fever, I realised I didn't have the fund in my account to cover my DD (I'm self employed on a very low income and a single mum... plus I was ill!) so I cancelled it with good intentions to call and pay…
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Ex left me in debt
Hi! Im hoping someone out there can help me! In 2008 my husband at the time took out a joint loan with The Black Horse, owing £6500. I didnt know anything about this loan. In 2009 I left my husband it was a abusive relationship, we were divorced 2010. In early 2010 out of the blue I received a letter from the county court…
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BW Legal from out of the blue
Hello, I've just come home to find a letter from BW Legal asking me to complete an income and expenditure form, enclosed with the letter. It's the first time I've ever heard from them and the debt is for a Halifax £1,000 overdraft taken out approx nine years ago. To my shame I took it as a desperate student and then moved…
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Reasonably priced professional work clothes
I am in a professional office based role and am struggling to find lower cost good quality clothes. Before I started my money saving and debt free mission I bought most of my work dresses from Hobbs. They were pretty expensive but lasted a long time and were made of good quality material.!i hate the really cheap itchy…
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Overdrafts - what is the point?
Hi all I've never understood the point in overdrafts. I'm just curious so; Do you have an overdraft - and what do you use it for? Do you have any regrets? P x
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About to begin my DMP
Hi I have just been in contact with stepchange about going on a DMP as I have got myself into the payday loan and short term loan vicious circle and my level of debt along with a large downturn in work means I basically cannot pay these any more. My partner knows nothing about this which brings me to my question. Am I…
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to release equity for CC debt or not?
Hi, This is my first post. My OH wants to release capital from a property we own outright (listed in 'other assets') which would obviously incur its own loan repayment charges. (NB This property currently does not yet generate income as i am just starting a new business from it, so unsure if this is even feasible) The loan…
