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Feeling more like an adult again!
Hi all, I am new to the site and just wanted to discuss my situation (Like most I'm sure it's like a black cloud and almost a dirty secret! It's how I feel!) I am 31 now but when I was 21 I went a bit crazy with catalogs and credit cards and my overdraft. Ended up with about 10k of debt. Over the years I have managed to…
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Saturday 9th January - What Small DFW-Style Things Will You Be Doing 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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Removing default - how successful is this strategy
I Have discovered an old default on my credit file from February 2012 from T-Mobile. The default was for £187. How successful would a strategy like this be in getting the default removed http://www.learnmoney.co.uk/credit-file/remove_default_notice.html Would t-mobile have keep the original agreements for so long and is…
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Open Education Course - Managing my Money
Hi all, Apologies if this isn't in the right place, but I have just stumbled across an open (free) course on money management, supported by the True Potential Centre for the Public Understanding of Finance. You go through it at your own pace, and it can start at any time.…
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This is a bit backwards, but...
After being stuck in the same ignore > halfheartedly pay off > spend cycle for years, I joined MSE and I'm finally doing something about it. I haven't quite paid off anything for real yet, I'm still at the transferring debts to 0% interest cards stage. Anyway, here's the backwards part: Progress feels bad. My main account…
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debt free in 2016?
hi there. i started an iva 6 years ago, after a year into it i got a phone call from a debt solution company saying they could save money and still pay off my debts, after a meeting and lots of research, which all seemed above board, i stopped the iva and started paying in the debt plan, i never missed a payment and was 10…
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Speak to DCA or try to contact original creditors?
So without going into too much detail yet I have approx 8k of personal debt spread over 3 credit cards, a catalogue, a loan and an overdraft. As I'm going to be 30 in less than. 6 months I want to start getting a handle on my finances and work towards sorting this out. I've had letters/calls from various DCA including PRA,…
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Debit card that doesn't allow you to go over?
Hi all, Does anyone know of a bank account with a debit card that doesn't allow you to go overdrawn please? My debit card years ago used to reject the transaction if I didn't have enough money in my account, but these days it lets anything go through. I've been caught out a couple of times recently inc this week when HSBC…
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Friday 8th January - What Small DFW-Style Things Will You Be Doing 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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Nearly there.... don't give up
I never thought I would say I was only 2 months away from being debt free but it's finally here. As you can see I joined the forum and discovered the amazing stepchange in 2009. It's been a long slog but I will finally be out of debt and able to look to the future. I've checked my credit file and it's been steadily…
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Account Limits - Need Advice Please
Hi All , Newbie here Right I need some advice. Im 25 and have a pretty decent credit rating. My question is about account limits and what to do with them. First of all I have: A Lttlewoods account with a £7000 Limit A Next account with a £5000 Limit The Littlewoods account has a Zero balance and I never use it and dont…
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Default letter today
Hi . I recieved a default letter today from the halifax ..they are demanding £585 to bring it up to date ...i am on a dmp with this .. i havent got £585 ..these are the ones that harrass me every day at work ..what do i do now Chish
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Debt to child's nursery!
My children have been in this nursery for over a year, at first I had all 3 children in and now just have my youngest in full time and middle child wrap around care from school. After having endless problems with tax credits where I changed my claim a couple of times from single to joint and back I went around 10 weeks…
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I Have no money and don't know what to do?
I literally have no money, my electric meter is on 68p emergency, My bank is currently -£37 as my wifi bill needed to come out, I have a few packs of noodles to eat (between me and my boyfriend) and i use my out of date buspass to get to work. There's another 20 days before I get paid and i don't know what to do. I already…
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Re-writing the past
Most of my life i got things on credit and didn't pay, not going to lie or beat about the bush, I was a complete bum. Now i want to re-write my past and pay everyone in instalments, without going bankrupt. How do i find out who I owe and who do i contact to set up instalments so I can spread a monthly £50 amongst the lot…
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Ohh, what to do...
Joint debt: £39.5k (6 cc's and 1 loan). It has never been this high. The good news: Joint annual net income: £57.5k 30k of the debt is on 0% until Aug 2018 or later 10k on 0% until at least April 2017 or later We have no missed payments or arrears We've had the wedding, bought the house, had a baby (turned 1 in December)…
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SOA for the new year
New year, new circumstances, new SOA. Managed to reduce debt by just over 10k last year, a long way to go still.... frustrated by what's left to do, but looking to balance life and repayments. Any thoughts and advice greatly appreciated. Statement of Affairs and Personal Balance Sheet Household Information Number of adults…
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Worse than we thought......
I've finally completed the SOA and hope to use it to gain control of our finances. Notes about it are at the end. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 4 Number of cars owned.................... 2 Monthly…
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DMP plans
Hi, I wonder if anyone out there might be able to help me and who has experience with either DMP's or informal lender agreements? Over the last few years due to divorce, redundancy, and ill health I have amassed a pretty big credit card debt which I am struggling to pay back. I have finally secured a new job which is great…
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Orange, default on credit report.
Hi everyone, In October i cleared all credit card debts, my phone bill, and my loan as well as catalogues. They were driving me crazy.. literally haha. I kept one credit card (paid fully off) just for emergencies. The issue is almost everything has been marked as "satisfied" or "settled" on my credit report, except orange.…
