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Debt free by 31/12/2016 - £36,500 to nothing!
Hi guys, Through what my wonderful other half would call "excessive !!!!!!!ery" with credit cards (excuese the language if it causes any offence, I have no idea if that's actually rude or not!) I've got myself into a rather horrific pickle with debt. It's been escalating for years and circumstances have made it difficult…
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What should my next move be?
Hi all, Just need a little bit of advice regarding a DCA re assigning to another DCA when the original DCA can't prove I owe anything? they have no credit agreement and have been quite aggressive to date. Do I start at stage one again with a prove it letter and ignore everything the previous DCA sent me? All the best AGDCFF
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Tuesday 13th 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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Council Tax - Debt Collection
Hello, I would be really grateful for some help cleaning this issue up. My partner and I ended up in a little debt last year. I don't see the relevance of how we ended up in this situation, as far as I can see we owe the money and it should be paid. All debts have either been cleared or are close to being cleared all bar…
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What to pay off first?
Hi all I will keep it brief, im sure you dont want an essay! We have two loans details are: Settlement £10300 Apr 7.7% 35 payment remaining Monthly repayment £326.20 Settlement £4700 Apr 5.5% Payments remaining 27 Monthly repayment £179.89 We have been very lucky and have been given £4800 im not sure how to use it, do we…
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Old DWP loan
Hi, I had a letter from the DWP recently about a social fund loan I had in 2000. As far as I know I paid this loan off by direct debit at the time. The DWP had written to me in 2005 asking that I pay them an outstanding £40 from the loan- I only remember that it was 2005 because it was the year I had moved into my house.…
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Joint DMP Paperwork
We've just agreed a DMP with step change in joint names. We have received two packs which I assume is a pack each, does anyone know if I have to send both back or just one? There's a section for both our names on the one form? Thanks
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Council tax bailiff removed and sold my car for a fraction of the debt.
Hi there, any help gratefully received. I have recently had my car removed and sold at auction by local council enforcement agents. I owed £714 on this warrant, my car sold at auction for £210. His own valuation of the vehicle was £300-400 although I showed him a webuyanycar valuation at £225 Is there any way I can…
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Best Course of Action?
Hi guys, Haven't posted on here for quite some time for personal reasons - debt busting took rather a back seat for the past year or so, but have still been chipping away at it making at least £100 above minimum payments. I'm currently in a position where I have four credit cards, with a combined debt of just under £8500…
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Bailiffs - Council Tax
Looking for a little advice please before I get myself into even more of a mess! Firstly, I am at fault, I have struggled with money and now find myself owing the council. I received a letter through the door last week from a debt collection agency stating that they would be returning in 48 hours to remove my goods if…
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full and final settlement offer
Hi everyone, This is my first post having just joined your very informative forum! Please can anyone give me any advice..... I am attempting to do a full and final settlement offer on all of my credit card debits and my partner's (£83,000). We are both self employed and have been for over 15years. We have been on a DMP…
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HELP NEEDED Re Robinson Way Ltd 2
I received a letter from Robinson Way Ltd 2 weeks ago asking me if i am the same person that lived at a address i moved out of 16 years ago. I today received another letter from them saying i owe £197.57 with a account number i know nothing about. My credit file does not show anything on it no arrears, ccjs, ect. i dont…
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Monday 12 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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SRJ Debt Collection Agency Closed Down
Hey! I noticed this month my direct debit with SRJ Debt Collection Agency hadn't come out of my account so I checked their website - looks like they have ceased trading ! This is the message on their website..... Thank you for visiting the SRJ Debt Recoveries website. SRJ has now ceased operations. If you require further…
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Returning a car on Finance
About 18 Months ago I bought a Mazda 6 Diesel Sport (57 Plate) for around £4000 with finance i am paying back approximately £6000 just over a year of owning the car the engine died and I paid £3500 to a company to build the engine (Long Story). However, since having the car back it has never been right and in fact leaks…
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Child Tax Credits
can you still get these if you have 125k left from sale of property? calculator seems to indicate so?
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Can anyone give me advice on which debt to pay first?
Hi all who read this... I am hoping someone can give me some advice. For reasons I won't go into I have a large amount of credit card debt and am determined to start to pay them off as quickly as possible. I when I took the balance transfers I didn't realise how high the payments would go when the 0% deals ran out and now…
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help wanted clearing debt
my mum died recently and we shared all the bills, I am now approx £400 per month worse off, I have an overdraft, a credit card and a loan and no spare cash to pay anything off, any advice appreciated or is there an independent financial advisor I can talk to, total amount of debt is about £12k (loan will be paid off in…
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I think StepChange are going to close our plan
Could anyone please advise? It's long so if you make it to the end I appreciate it! We have been with StepChange since 2009 never missed or made a reduced payment they have been fantastic and we have never had any problems from creditors. Fast forward to this year - without doubt worst year of our lives financially and…
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Spanish invoice
2 years ago I had an issue in Spain where I had to get a solicitor involved, they weren't helpful and advised me to take the easy way out but it got resolved. Fast forward 2 years and they've sent me an outstanding invoice for 600 euros. I don't think they earned it tbh and wondered what I can do to contest it, or what…
