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Best bank account
I should finally be out of my overdraft at the end of this mont :T:T:T First time in many years! Looking to change and hopefully get one of these that pay £x for swapping. Ideally, one I can pay deposits in at the post office. I have debts with Halifax, Barclays, tesco(rbos) , mbna and Santander. My account at the mo is…
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Getting back on my feet!
I posted about struggling with my overdraft and I'm still in it and in a mess but I got some good advice here. From next month I'm going to start getting OUT of it. I would say that I used to be pretty good with money I was out of my overdraft for years, I also always look for deals on everything I have to buy, sales etc…
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Friday 16th 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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My monthly spending leakage - solved!
Hello everyone, Firstly I'd like to thank everyone for previous advice I have received. For the first time in many many years I logged all my spending this month. I'm pleased to report I have saved £340 this month! So my emergency fund is now, well, £340! I was having a big problem with leaking money and not knowing where…
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Can I claim to be debt free?
We finally have savings! £1500 to be exact. I consider we are now debt free, however we have £1320 on a 0% credit card, as I figure is 0% until June so I'll attract the interest (not that it is much) whilst I can. Would you consider us debt free? It's taken 4 years to shift £21,500, well I say four but two years ago we…
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DMP question
I have looked at going onto a DMP a few times due to credit card debt, but so far I haven't gone down that route as I have always managed to make my minimum payments on my credit cards. I may need to go on one soon due to a change in financial circumstances. What I need to know is, does it affect my partner if I go on a…
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What should I pay next
I've just made a huge dent in my outstanding cc, I was focussed on getting this paid off first but now I'm not sure if I should pay off the full amount on my cc first or pay off my next account or overdraft first, interest being paid is below, I can pay £900 at the end of the month Cc £826.71 18% Next £582.15 22% Overdraft…
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Thursday 15th 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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Help! DRO or f&f offer
Hiya, I have debts to cc companies and have faced up to the fact I can't pay them, my self emplyed biz has gone down the tubes. I have 2 choices, my brother has offered me some money to offer a F&F setlement or have been to citizens advice who said go for a DRO. I feel awful about accepting brothers help but am so ashamed.…
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Threatening letter?
Hi everyone, I have received a letter from Lowell this morning which has informed me they have requested my request for my CCA. They have requested these from the original creditor Creation. They have informed me once they have them, they want full settlement of my debt, although I pay them through my DMC, can they do…
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credit reports
Hi, I am a little confused - I have just looked at my credit reports for Experian, Equifax and Noddle. Equifax and Noddle both list me as poor - and with 2 defaults waiting to drop off beginning of 2016 I can understand this. Experian list me as excellent with a near perfect 966/999 - both defaults also showing on this…
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Payplan won't send on new DMP budget
I am going 'round in circles with Payplan at the moment. Have been in a DMP with them for 5 years and have been contacted to do an annual review. I sent them the updated budget over a week ago, but they currently have no phone appts available to conduct the review (even though I have made it clear I have no interest in any…
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Wednesday 14th 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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A reminder to review your account(s) frequently
You know when somebody posts about how they'd bought something but didn't realise until 6 months later that the money had not left their account and we all think "how could you not notice?"... :o I was over paid on a grant by the Student Loans Company (which I still disagree with but decided to let it drop and pay it…
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High Court Enforcement Advice
Hi, I've had a letter from a High Court Enforcement agency to chase the outstanding balance of a vets bill (£1600 before they add their own charges). I do not deny the debt and intend to do the right thing and pay it off but I can't afford to pay it all in one go and any installments plan that I'm able to offer is bound to…
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CCJ discontinued - fees incurred
Hi. I got a court claim for a CCJ on a Marlin debt last year. They added fees and interest onto the amount adding a few thousands on the balance. I did not apply to get it set aside but heard nothing until this month when I got a letter to say the case had been discontinued. No reason was given. I understand they can…
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Bryan Carter please please help
basically ive had a ccj letter last week about a debt i had with Orange a couple of years back.... i had taken a phone out for my daughter.. i tried to sign up for online services but it just told me constantly there was an error so i rang orange to be told theyd get their tech guys to look into it... couple of weeks went…
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I don't know where to go from here...
I finished Uni in summer and have been looking for a job ever since. Had my first interview today and narrowly missed out, apparently it was between me and another person and they got it. I literally have £56 to my name until the end of the month, with child benefit and tax credits coming in each week, there is more going…
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PRA Group - contact/settlement via email
I recently received a letter advising my barclaycard debt (from around 2007) had been passed to PRA group but payments etc would continue as normal (I'm through a DMP) Today I received a letter from the DMP saying that PRA had refused my payment as the address and name were different and I had to phone them (PRA). Looking…
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Being chased for 9 year old Council Tax
Hi, First time post so I hope this is under the right heading. Yesterday, I had a surprising phone call from Islington Council saying that they're chasing me for unpaid tax from 9 years ago. This was the first I heard of this, having never received a letter, a phone call or an email in the last 9 years. The man on the…
