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so today 2 more of my friends 'came out' as debt free wanabees
As I have got more into my DF journey, I have been finding it easier to be a bit more open about my debt. At the start I felt like I was the only one who was in such an awful situation ( 40K debt at start) but I have since learned that several of my friends are also in a similar situation. Today, I found out that 2 of…
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Interest increases
I would be really grateful for any help you can offer. I have been in a DMP with CAP for over 2 years. The DMP has not gone well as at this stage two years down the line we are paying more than 26% interest rates on more than 40% of our debt. This is basically because when we entered the plan our biggest out goings were on…
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Can anyone help!?
Hi there, i have a debt with vanquis that has been passed onto Lowell portfolio few years back. I took it out in 2008 with a credit limit of £150 to help me get down to the isle of wight to work, basically i didnt have a debit card at the time so i sent all the £150 to my dad back up north via post, but what i didnt know…
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help !!! - SOA
DONT KNOW IF ANYONE CAN HELP :( JUST LOST MY 2ND JOB AND UP TO THAT POINT WAS DOING OK PAYING THINGS OFF I HAVE A DEBT MANAGEMENT PLAN AND DONT KNOW NOW HOW TO PAY IT OFF I AM SO FREETING WITH WORRY HERE [tt]Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3…
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Not sure where to put this
Hey everyone , I'm new so please be gentle. Reason I'm posting is due to my ever riding debts...due to various reasons I currently owe council tax £1300, utility's £1000 and water £2000. Myself and hubby don't get any benefits as just above the threshold. I suffer with severe depression and have let this all just build up.…
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Stepchange balances and final payments
Hi all, I've searched hard on the forums for a few answers and cant find them. My Stepchange DMP has been running for 3 years now and is due to be paid off next August, I just had a few questions. 1. I have 5 separate balances, my issue is that one of my balances will be paid off next month but others will take 7-8 months…
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Help
Hi, have just signed up to this after deciding an IVA isn't for me. Really looking for some workable solutions for clearing my debt as quickly as possible or even confirmation that I just need to carry on as I am. Thanks in anticipation
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Best way to clear overdraft
I was wondering whether anyone has any ideas or solutions for clearing an overdraft - seem to have got into a bit of a pickle with my money and am owing money all over the place. :o
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Marston debt collectors.
Here's the background and I'll do my best to keep it brief: This is regarding united utilities water. I contacted them about the first bill and how I could not pay that amount in one go, UU where not interested and kept pushing me for the full payment. No matter what I asked, they kept demanding the full payment and would…
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Robinson Way
Hi I have received a letter this morning from Robinson Way Limited saying that MKDP LLP assigned rights, title and interest in respect of X account to Hoist Portfolio Holding 2 Limited (HPH2) who have appointed Robinson Way to manage the account. The debt relates to over £3k to HSBC. I recall having a HSBC account many…
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Monday 30th November - What small debt free things will you do today?
When we start our debt free journeys we concentrate on doing the big things. Cancelling the sky membership. Cutting up the credit cards. But as time goes on it is important to focus on the small things you can do every day to make a difference. Leaving your cards at home when you shop. Taking a list with you. Making the…
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LCS Chase letters
Hello, I have recently received two chase letters from LCS, acting on behalf of E.ON for a debt of £295.85. Both letters I have received are addressed to me, in my current flat. However, the debt is for an address, six floors below me and a property I have never occupied in my life. I have not responded to any of the…
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Moorcroft Debt Recovery - need some advice?
Hi All I defaulted on a Barclays student overdraft in 2013 and the debt was passed to Moorcroft Debt Recovery, who I have been paying £25 a month to, in order to reduce/pay off the outstanding amount. The original amount was for just over £1300 and I currently have an outstanding balance of around £950. I have managed to…
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Need some advice!
Hi guys, I need some help, I racked up some debts throughout my adult life and they have relentlessly followed me. I always promised myself that when I was in a position to pay them I would. Now I am in that position, I have begun paying. I received a letter from Robinson way for a debt I know I owe and is fairly recent…
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Natwest Credit Card Service / Santander email addresses
Good Morning All. Is anyone kind enough to be able to supply me with any email addresses for Natwest or Santander? Would appreciate it if you could let me know when it was used and if you successfully received a reply. Thanks all!
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Debt
[FONT="]At 17 years I stupidly took out a mobile phone contract for my friend around the 25th June, 2007. On 29th July 2007, when he reneged on his promise to make monthly payments I contacted Orange requesting that they barred all further calls on the numbers associated with the contract. I was advised to visit my…
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Settlement offer is this legit?
Hi everyone Got my first settlement offer today How much you owe £££££ Thank you for agreeing the settlement amount of ££££ we are writing to confirm the details you agreed with us .once you have paid the settlement amount we will close your account .your credit file will be updated to show your as satisfied with a partial…
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What to do?
Hi, This could take a while! In August of this year I started to receive phone calls from a debt collection agency based in Glasgow, no letters, just pest phone calls (Still have not had any written correspondence) leaving no number to call back. I had a Monument card in the mid 2000's with a £500 limit unfortunately I had…
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Sat 28th/Sun 29th November - 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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Why sell now?
Moorgate who have been handling my account for 3 years have decided to sell my account when I've only about 3 payments left until it's cleared! Pain in the backside they have been getting more than the contractual amount and have already received the vast majority of the money, they know rightly they will get the rest so…