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what to choose??? low interest for the life of a balance or 0% interest fixed period
Have a balance of £2144.16 to repay at the moment on a Santander card but 0% interest is coming to and end this month. Currently I'm not in top financial shape (following financial abuse and a nasty divorce), managing by but unsure I can pay as much as I would like to clear outstanding balance. I can't apply for credit…
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Experian/ credit expert credit score query
Howdy! A few months ago , my credit score was 'excellent'. Every other week , I'm encouraged to check my score again. ( I believe that experian , just want cas from me that I cannot afford ) My question is ; do I need to check it again? What happens if I don't check it again for 2 years for example ? Sorry, make that 2…
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Monday 4th January 2016. What DFW stuff 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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How to stop bank phoning every day
Hi i havent been on for a while, im on a Dmp with stepchange and have been for 15 months in which ive paid over 3 k back. But im so stressed at mo as the Halifax bank constantly phones my work every day . Ive told them to stop phoning i pay them over 100 a month . I have 3 debts with them loan overdraft credit card ..2 of…
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My Plan - Good or bad? and advice please!!
So here's my story.... I'm in my early 20's and a couple of years ago had my first taste of getting credit and getting a good wage, having control over money. Long story short, I lost control a bit and got in a lot of trouble with payday loan companies. I learnt my lesson the hard way! I'm now in a better position, and me…
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Debt Consolidation Advice?
Happy New Year all, Just after a bit of advice if I may? I have a few credit card debts but also luckily to have some cash set aside to hopefully pay them off when the 0% is due to expire. I'm just wondering what would you do if you had the following: Mortgage £90,000 @ 2.09% fixed till 2017 Credit Cards Card A, £2500 @ 0%…
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Back on the Wagon....
Please forgive me collective, for I have sinned! When I left you (a few years ago!), I had almost conquered £60K of debt (ex-hubby kindly left me with - long story - another time maybe!). I had managed to start a little savings account, paid off all 'those' debts and was just clearing down the last £2k of my credit card.…
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The relief when you pay a debt!
Does anyone else feel immense relief when a debt is paid, even small ones! I stupidly let an old council tax bill go to Equita bailiffs and when they came out I challenged the legality of their fees. The council sided with me and set up a payment plan of £30 per week, the debt was around £600. Even when the equita bullies…
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Cash back sites?
I keep seeing people talking about money they've earned from cash back or survey sites. What are the best ones? Are they really worth it?
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Settling a delinquent debt
I have been paying a debt via a DMP for 12 months yet my credit record now shows this as delinquent. I have raised some funds so could pay this off (and intend to) but I would like to know if this will be improve my credit score at all or has the damage now been done for 7 years? Thanks in advance.
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Scared to increase DMP payments
Hi I've been on a DMP for a couple of years and now, having looked again at my budget, I would like to increase my payments by about £100. However, I'm scared that this will make the creditors think "Oh well we may as well reinstate the original agreement then!" including interest etc. Does anyone have any experience of…
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DFH Financial solutions
This company has been mentioned to me a few times in recent weeks, just thought I'd share there fee structure with you, for "managing" your DMP, they charge monthly, and also add a "per creditor" fee to : Fees “Initial Setup Charge” This is a setup charge of up to £198 normally divided equally over the initial 6 payments.…
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Need advice on a debt
Hi I have a debt on council tax and they have sent me a letter to attend court but can I call up to arrange a payment plan to avoid going ?
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When to offer f&f settlements?
My partner has 15k worth of debt to 4 creditors, he has been on a dmp for 6 months now paying token payments of £1. He has 10k due to recent house sale with ex. 3 out of 4 creditors have been sold on already and we've heard nothing from any of them, my question is when can he offer f&f? Is it a matter of waiting a couple…
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What to do with old 2007 debt?
I have been trying to sort things for a while and have made great strides in the past with other credit cards debts, but seem to hit a brick wall with a MINT credit card debt. I am seeking views on what I approach I should take next with a MINT debt of £10k? In 2007 I went via a debt management company (which has since…
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Where can I cut back?
Hello all After a relationship breakup (12 years) late last year, I had to move back in with my mum. I'm desperate to move out, looking at house share, but with debts of £25,000 + thanks to my stupidity in my 20's and my exes gambling. I pay her rent of £250 per month, this incs all bills but food. I earn roughly £650 per…
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So..what do you want to achieve in 2016?
Good Afternoon Everyone and Happy New Year!:beer: Over the last 2 years, a number of us have committed to achieving a number of goals across financial, social, professional, physical and emotional areas of our lives. By focusing our mind and efforts and committing to the achievement of achievable but challenging objectives…
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Goals for 2016!
Hi, This year we are going to be financially better off than previous years as my husband has had a pay rise, I have a better paid job and some of our debts are ending plus a significant saving on the mortgage - by no means are we comfortable as we still owe over 22000! I need a goal to pay off my debt - set a target of…
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Advice giving advice
Hi, wasn't quite sure where to post this. My sis in law has confided in me that they are currently overdrawn on their overdraft and her partner doesn't get paid until 15th. I asked if she's ok for food and she told me that she has,a bit on her CC to do internet food shop. They're a family of 5, youngest is 2 1/2. I want to…
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A bit of moral support required!!!
2015 was a bad year in terms of finances - buying another house, another baby, my husband setting up a new business, having to put in a new kitchen at new house (the other one was literally inhabitable), the clutch going in our car.... The list goes on!!! This time last year, we owed £2000 on 1 credit card. A year later,…
