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Sunday 3rd January - what small Debt Free Wannabe 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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Let's start at the very beginning........
Hello everyone and welcome to 2016. I'm newly single (after a 10 year relationship), have clinical depression, am a full time carer for my deaf son and am £12k in debt. A combination of a badly wired brain, ignorance and procrastination has finally brought me to the forum for some moral support. So........where to begin?
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CCA help
I'd really appreciate some advise. The shock of it all has subsided and we've decided to cca all our creditors just so we have the paperwork. Our largest debts are across 2 mbna cards taken out sometime in the early 90's. The balance now are a mishmash of balance transfers and spending. It's a whopping £25000 worth.…
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CCA request - 8 months on nothing.....
I made a CCA request to a company back in May 2015. They wrote in August acknowledging my request stating they could not provide it and would not chase collection (which they haven't) The amount in question is £7,777 so no small amount so I can't for one minute imagine they will simply do nothing.... The default date was…
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Using up 'old' beer?
Hiya, I have some Hobgoblin beer, in one of those eight pinter kegs, that was opened on 29th December. Husband says it's ' not very nice now' (actually said that on 31st) so I was wondering whether to use it up in beef and ale stew (would be making tomoz) Obviously I don't want to throw good money after bad so would you…
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Separating a joint DMP
I am in a joint DMP with my husband. For various reasons im considering splitting this. How would it work? With joint debts specifically? I assume I could just ring them and explain that I want to go it alone, provide my income and share of the expenses and then make the payment. But our main creditor is a very big joint…
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2016 - A year of 16 Challenges
Hi all, I have decided that 2016 is going to be the year I become seriously focused and have therefore decided to undertake 16 different challenges which will hopefully improve my financial situation and wellbeing. Some I have found on MSE and others I have come up with of my own back. So here goes. I have chosen the…
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Statute barred?
I have a debt with Lowell which I have always disputed, it defaulted on 25/12/2009 and I wrote to them to ask for details of the account to prove it etc. They have sent me a print out with payments on and the last payment I made was 28/05/2009. Can I send them the statue barred letter? I need this off my credit report too 😡
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How to reduce food bill?
We owe some money. We earn a bit. Blah, blah, blah. I've been here before years ago. Last time we paid off double the debt with only half the income so I'm not too worried. Looking at our SOA, the things I struggle mostly with is our food bill. What are your tips for reducing it? Bear in mind my kids are dairy intolerant…
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Saturday 2nd Jan - 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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Wonga - Cleared my balance...can I ask for them to remove the Default?
I am hoping someone can help me. That great lending service called Wonga, admitted it shouldn't have lent to me and so cleared the balance of my outstanding loan. This was some months ago. I have just looked at my credit score and there is a default on the Wonga loan. Would it be too much to ask them to remove it? If so do…
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MBN* cc charges/interest
Hi, My issue is when I got into financial difficulty in repaying debts I had a real bad experience with MBN* who gave me such a hard time on the phone before and after I sent in an income & expenditure form; basically saying things like why am I paying for my children to go on school trips and getting their hair cut and…
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Options for managing debt?
Hi all, I'm hoping to try and get my debts in order this year but not sure best how to go about doing so. Me and my girlfriend (living together with kids) have about £25k of credit card and arranged overdraft debts between us. I have about £7k of that, she has the rest. I'm self-employed/freelance and earn about £2.5k per…
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When does debt come off report
Hi all, Looking for some advice. Due to a chaotic personal life including several bad break ups and having to start from scratch time and again I have terrible credit score and debt. I went through my Equifax report and want to sort it out and repair my score. I read somewhere that debt comes off your report 6 years after…
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DMP/Mortgage advice
Hi everyone and happy new year :) I just wanted some guidance please. My partner has started a DMP 6 months ago has 15k debt, these have defaulted and show on his file. in 6 years these will drop off if i'm right in thinking. He recently sold a house he had with an ex partner and has 10k in the bank (gave to parents to…
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Timeshare fees
Hi all I'm thinking of not paying my now overdue timeshare fees as it will basically clear out any savings I have left.. I'm 3 years into a DMP and have always managed to find the money to pay for it, but now I'm on my own its very hard. Since my credit rating is pants anyway, what's the worst that could happen? Anyone…
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Money management/tracking software
Hi, For the past year I have been using my own Excel spreadsheet to budget. This has been very basic income v bills, but it hasn't captured where the other living expenses have been. I have previously used My Money which means that I have to input all my banking details. This does show everything (except cash payments…
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CCJ expired!
Hello first time of posting and hoping for help.. My CCJ expired in November 2015 however I am still paying £50 a month to clear the remainder which is fine but i have no idea how much of the debt is left! Is there a way i can find out what the outstanding balance or even what the initial claim was for? I did think i kept…
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Fri 1st Jan - 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…
