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gregory pennington - no good
i have around £10,000 of debt which is split between a loan, credit card & overdraft with 1 bank and a credit card with another bank. I have been on a debt management plan with Gregory Pennington for 4 years now and pay £208 a month (some of which is their fee though im not sure how much). I'm not happy with their service…
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Best way
Hi how is best way toClear repayment for car as lying 160 a month for over year and in Sept either pay or change car but not sure if want as car loses value as soon you drive car of the forecourt
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Contacted by Moorcroft RE a fictitious debt with SSE
I'm posting for some advice after browsing around the boards for information. The summary of my scenario is that I have been contacted (x3 letters & several telephone calls) by Moorcroft regarding a debit they believe I have with Scottish and Southern Energy (SSE). I don't have any current dealings with SSE and don't owe…
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big change in circumstance-can someone help me with the maths please?
Hi, will try and keep this simple! Something I'm not great at... From August I will increase to full time hours, approx £25,000 gross, from Part time . I currently have a car loan, £5000, taken out 06/08/2014, over 4 years at 5.4% (totalling £5556.48) Just wondering if come September I could get a no fee, 0% credit card…
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Settlement offer
Hi, a debt collector has offered me a 50% discount on a debt from 4 years ago (~£3000). This is in the ball park of what I'm willing to pay to get this behind me and move on (I was in an accident and am still recovering). I've also heard that when they offer large discounts it means the debt is a lemon, this true? I'm…
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In a mess and ashamed
Hi I'm new Nd ashamed to admit my situation Basically I'm in a mess financially due to leaving my ex and I'm supporting him and the kids, I'm just getting deeper and deeper by the month. It has partly caused a nervous breakdown along with a few other issues and been off work since October with stress and depression, with…
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basic bank account - please advise
My partner and myself want to open a basic bank account with either NatWest, Halifax or Nationwide (simply because they're closest). I just want to check beforehand if any of these has any financial associations/ownership of any of our creditors Barclaycard Marks and Spencer Money Virgin Money Santander Capital One I did a…
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Lloyds TSB
A friend has a long standing unsecured debt (16K) with LLoyds, which they converted to a charge on the property in 2006/07. Since then he has not made any payments, and played the waiting game. He believed the debt would therefore be statute barred in 2018/19, if the date of the "recognition" of the debt was the charge…
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Snowball advice for new 0% CCs
Hi We are just starting out on our DF journey. Have 8 CCs ranging from 24.9% to 7%, all pretty much at max. Have just been accepted for 2 (1 each) MBNA cards with 0% on BT for 20 months, both with fairly small limits. Would I be best to BT some of the 24.9% card to the MBNA ones, pay mins on the MBNA ones and then…
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Sat/Sun 23rd/24th 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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Is there a DFW glossary / acronym page?
Hi all Apologies if it's obvious but is there a page which details what all the acronyms we use on DFW forum stand for? I did look at the sticky threads at the top but couldn't see one - sorry if I have just been a bit blind and missed it. I've been reading some threads tonight and I can't figure some of the acronyms out:o
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StepChange payment dates
My StepChange direct debit goes out on the 1st of each month. When do the companies I owe the money to receive these payments? I have the 23rd in my head. Tina x
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Personal Solvency Services - contact details
Good afternoon, Does anybody happen to know an e-mail address for the above company by any chance? (Their website is attached here: http://personalsolvencyservices.com/) I might have missed it but I cannot find one for them. They keep harassing me with calls and I am absolutely disgusted at the way I was spoken to today by…
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Have I Done Right Thing?
I had 2 credit cards maxed out at £1,500 and £2,500 plus a £1,300 overdraft and a number of small store cards. Each had an interest level of around 39% APR. Ive just been approved for a bank loan which will clear all these debts at a rate of 7.5% ARP. Obviously this seems a good idea but just want to make sure I'm not…
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Number of different debts that i need help with
This event this morning is what has convinced me to get everything sorted. I was getting ready for work this morning when there was a knock at the door, at first i ignored it, then my wife went to find out who it was. It was a high court enforcement officer about an unpaid parking fine on an old car i had in 2014. He said…
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Four default accounts, Three DCA companies and no clue how to handle my debt
Hi everyone, I am trying to get my finances in order and have been reading up on forums about those who have had successes dealing with DCAs, but unfortunately my accounts don’t seem to make sense. SO, I have four default accounts on my credit file, showing a D sign every single month on my account, but I have three…
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Debt collection calls to daughter
My teenage daughter keeps getting phone calls from a debt collection company-I spoke to them last time they called and they said her mobile number had been listed by a lady when she was applying for credit, I explained that my daughter is young and not this person and asked them not to ring her again, which they haven't…
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HMRC /debt collection issues
Hi, I;m not sure if I'm posting this in the right place, so apologies if not. I've got a big problem with HMRC at the moment - long story short, on Wednesday (20th January) I received a letter dated the end of November, which told me I had to pay £890 Tax Credits overpayment by the 3rd Jan. I also received no other notices…
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I am in a mess financially
I have got myself into a mess with the household finances and credit cards plus I have 3 secret cards that are to their limit. I don't know what to do. OH is trying to pay the mortgage off using the money in the bank. He doesn't know about my cards. I have also just found out that a medical procedure that I need to have…
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Friday 22nd Jan - 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…
