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Capital One
I'm so happy! Had a £50 bonus from work so rang up Lowell and offered them £50 to settle a £187.61 debt from 8 years ago. So chuffed! Just a another 5 more to go until I am DEBT FREE! I have sold many household things on eBay and have around £400 extra to spend on debts. Shall I offer reduced rates again? Most are with…
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CCSCOLLECT - Student Loans Comapny
My son had to leave his UNI for personal reasons. However, there is on overpayment of £685.00 - grant overpayment Today we have received a letter from CCS Collect saying they have been authorised by the Student Loans Company to recover this amount and to call them at cost of 7 pence per minute! My son is not in permanent…
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Daughter's Debts
My daughter has just revealed to me that she has debts amounting to approx £6k and she has not got the means to repay these debts. One of these debts relates to her helping her mother out of debt, one for her soon to be ex for an unpaid phone plan and one that she is responsible for. My daughter is separated and has a lot…
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Vodafone help
So here's the story. Took out 2 contracts via Carphone Warehouse for Vodafone. I ordered them online and cancelled the order the next day as found better deal at O2. They confirmed several days later they had been returned from courier and disconnection notices served to Vodafone. Weeks later, Vodafone are chasing me for 3…
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Which of my outgoings should I pay?
Hello, I've not been in a position to not be able to afford my bills before (or able to pay double the following pay day), But for the next 2-3 months our income will be SEVERELY impaired, this month it's just my OH's wage. So I've got £1378 to pay some of the following. I will struggle to make up anything I'm short on, so…
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Friday 27th November - 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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fool
Hello all, After finding this, it's made me feel slightly more relieved. Anyway, I have been very foolish, I've accumulated 2600 worth of debt, of which have gone to collection agencies, and one of which has become a CCJ. I've set up payment plans to eradicate this, it sounds more difficult than it is to do. Learning to…
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I feel very naive and young!
Okay, so I should start by saying that I barely even know if living in an overdraft counts as being in debt, but it certainly feels rubbish! For a long time now, my partner and I have been living out of an overdraft, and we're currently £1500 into one overdraft and £500 in another. We earn enough to pay our bills and buy…
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Charging Order Npower
Could I just ask for some advice. Wilkin Chapman have applied for a charging order for Npower Debt of £920 - I jointly own the house - We still have 1/3 to pay mortage Can they apply for sale of the house?
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Invoice for item I never ordered
Hi, unsure if this is correct place! I recently received a package with a teeth whitening kit and an invoice for £87 which apparently came from a company called GoWhite from Australia :huh: which I hadn't ordered at all! So I googled them and found out they seem to be a real company and they had an online messaging system,…
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DMC dilemma
Need advice, again! backwherewestarted, the advice I posted still stands!!!!! I have requested all CCAs from my creditors, 1 has already informed me they can't get the required info, therefore unenforceable, all the others have said they have requested them, however, as we know these debts are unenforceable whilst they…
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so do I go the stepchange way or go it alone?
well quite a few years since Ive been here!! but as my new username says we now back where we started! :( in debt! OK not so badly this time but enough to cause sleepless nights. Anyway have been on to stepchange and they say DMP (or possibly DRO but I don't wanna go that way ) we owe £7000 mainly to credit card,…
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Hi I'm new here :wave:
Hi everyone, Apologies if this is in the wrong place but this is my very first post. I've joined the forums after having a browse through some of the debt free diaries and it has really inspired me to think about my totally irresponsible attitude towards money and clear my debts (I think it's referred to as a light bulb…
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Thursday 26th November - What small 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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Making the most of an opportunity
Hi I have 21k of credit card debts (7k tescos, 5k MBNA, 3k Amex 3K Natwest and 3k capital one, and pay £500 per month on minimum payments. This is crippling the family budget and my Dad has amazingly kindly offered to GIVE me 10k to help reduce the payments on my debt. I have applied and been approved for a Natwest 10k…
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Really need some advice please...
I've just found out that I've been taken to court over unpaid university tuition fees (approx £1200). I had no idea that this had happened - I moved out the home a year ago to a new area and have never been back or spoken to the new tenants. I really don't know what to do. I emailed the university and the solicitors it…
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Equita- Enforcement Notice received
Hello all I am hoping for some advice, I'm not after a get-out clause. More just advice on proceedings from now Long and short of it, I have x2 unpaid parking fines to a local authority. It's been that long I've ignored letters, that I can't remember if both tickets are included in this notice, or just the one- but…
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Can anyone help with an AOE?
Hi, I have an 'attachment of earnings' order on my wages each month for £20 but the thing is, I have no clue who to! When it came on in 2013, I was told who it was for etc but since then I've forgotten and don't have a clue who it was for/how much etc. I want to know when it will be paid off in full so how would I find…
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N245 Form
Hiya all, Just helped someone to fill one out Quick question though, does it go to his local court or to the court it was lodged against him? Also there is a fee ( think its £50 ) how is this paid as not mentioned on the form itself Many thanks as always :-)
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Soa
Hi, I'm new to this forum. My income has gone down quite a lot due to retirement and I need help to live within my means. Thanks in advance. Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 0.00 Income from Self Employment…
