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Starting my journey
No excuses from me, I was an idiot and got into debt. As a younger person I thought I could handle things and ended up defaulting. I'm in my mid-30s and have felt ashamed for ages but have been running away from it. But that has changed. I joined Clearscore and from this wanted to make changes to get a better score, which…
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I have to sort myself out this year
I have to sort this out. I have had a gambling problem for many many years and am in debt. I have gambled all my wages for the month. My partner doesn't know (this time). All the direct debits will bounce tomorrow. The mortgage, council tax and bills will All go unpaid. I feel so lousy. I've been online to set up a second…
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February Challenge: List 1 thing a Day on Ebay
Soooo this is really a big push for myself, I have a lot of clutter and I never seem to get around to listing it on ebay, gumtree, fbook selling groups. But not only do I want the money, I really do want to start shifting some of it in time for the summer. I thought it might be fun to make it a challenge that anyone can…
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Trying to clear debt and save for a house.
Hi all, I've been reading for a few days and you guys are great :) Current situation is that we owe around 2k, every month I make a good effort to make a dent in this and usually pay £500 on the first of the month (tomorrow). Only problem is, I end up using the credit cards and by the end of the month I'm back at the…
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Paying off debt early
I have a loan with one of my banks payments are up to date and it is due to end in 2017. I made enquiries with them about making extra payments to clear the loan quicker. This was their response: "If you was to go against the information provided and make additional payments to the loan manually (not completing a partial…
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What has the DFW forum done for me?
It’s changed my view on my debt. It’s no longer a lead weight around my neck, causing me sleepless nights and endless worry. It’s now a challenge for me to sort the problem. It’s empowered me by giving me the knowledge to know my rights and the creditors rights. It’s given me an amazing set of virtual friends, who I can…
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Cash or Card
Hi, Im really wanting to start making overpayment on my loan (no penalty) and I am wondering if its easier to withdraw cash for day to day spending or leave it in the bank and use card for day to day spending. I know it depends on how strict you are but with us both working we very rarely have time to spend money lol. Im…
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2nd Attempt at SOA please advise
Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2[/B] Monthly Income Details Monthly income after tax................ 1362.83 Partners monthly income after tax....... 1135 Benefits................................ 147.33…
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Newbie - DRO questions
Hi, apologies for double posting but I wasn't really getting responses in the IVA and DRO sub-section. Hi, I've been researching my debt options and I'm considering a DRO. It's difficult as my situation is quite changeable (never good!) and I'm considering going from full time to part time work (to help with mental health…
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help quick please on phone..
ringing creditors to say we cant pay, speaking to stepchange etc barclaycard has said we can do a payment plan of £5 per month should i agree to this? will it affect anything whislt we decide what to do with stepchange probs do a dmp or iva on phone at the moment!
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How to create a ynab.
Hi, I'm coming to the end of my YNAB4 trail. Can't afford it pay for it. Does anobody have any ideas how I can create something smiliar on google docs? Thank you!
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Ways I can improve my credit score/file
Looking for advice on how I can improve my credit score / file. I currently have 8k debt - loan. I have 3 credit cards currently open with 0 balance (loan paid them off)
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County Court Claim against Statute Barred Debt
Hello, all, I know there are lots of information on here regarding Statute Barred debts, but I would prefer to start my own thread so things dont get confused........ I have this morning received a claim form from the County Court Business Centre in Northampton. This is from a solicitor acting on behalf of the claimant,…
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Options after token payment phase over-Stepchange
I am on a token payment phase which will expire next month but am asking advice on what will happen next when this expires. My circumstances haven't really improved much in the last year financially but I may be in a position to increase payments to my creditors slightly. Will SC still represent me after and can I still…
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Saturday 30th/ Sunday 31st January - 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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My experience phoning a debt free company, Gopher Money
I just wanted to share my experience using a debt free company. Not sure how normal this is, but I found the experience more frightful than helpful. Basically was in debt of about £10,000, asked that I needed help and if they could assist me in consolidating all debt into a lower amount and just pay them by direct debit.…
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Looking for advice
Hi everyone, thanks for reading my thread. I am around 4000 pounds under the line: - 1500 unpaid OD - 300 left to pay for computer - two more years to pay 40 per month for mobile Unfortunetely, for family reasons I have had to move back to Hungary. I don't work and cannot pay that debts and bills. I know we are all should…
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Which cc to pay first
Hi all, Looking for a bit of advice. I have 2 credit cards. One is a balance transfer card, which has £1,500 on it. I still have approximately 4 months of 0% interest on this card before it jumps to 34.9%. The other is Virgin credit card which has a balance of £3,100 and an interest rate of I think around 19%. My question…
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best way to tackle cc debt
Ive finally plucked up the courage to post on here after lurking in the background for a few weeks, basically I have £22308 of credit card debt over 6 creditors, ive fallen into arrears with 3 of those over the last 3 months and really struggling to catch up, my partner also has £7000 of cc debt but her credit file is…
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Equita 'Hit & Run' Scam?
Hello, would really appreciate some advice from you knowledgeable folks if I may? First of all, will hold my hands up and say I completely messed up my Council Tax payments, very much acted with 'head in the sand', changed banks, didn't check all dd's had been set up correctly after switch and then ignored letters. My bad…
