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Debt free
Hi guys, I've myself into debt. I moved out of my parents home aged 20 (I'm now 24) i rented a flat with a friend and lead a lavish lifestyle. I went 2k into my overdraft and haven't been out of it properly since. Last year i took out a credit card which I maxed out too 1,200. I've had enough, I want to buy a house but I…
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Please help - is it safe to give bank transfer details?
Hi all, I hope you can help... I have been selling some bits and bobs online to try and clear my debts. Now these things are going to strangers, generally members of FB groups. So far everything has been paid for by cash or PayPal. One lady wants to buy some pieces and she *seems* genuine but who knows??? She doesn't have…
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Lowell debt collection - at what point will legal action follow?
Hi all, A couple of years ago my girlfriend rather foolishly agreed to get credit in her name to allow her ex (wasn't her ex at the time!) to buy electronic goods on 'store credit' after he was declined. I believe it was the sort of deal where you can make flexible payments up to a certain date, when the total amount needs…
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Barclays upgrade - no confirmation
I walked in to my local branch of Barclays this afternoon because they hadn't sent me a replacement debit card (mine expires today!) After ordering me a new one and cancelling the ghost one, the cashier said "looks like you'll get a contactless card this time - your account has been upgraded!" I checked it didn't mean I…
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Akinika Debt Recovery Limited
My bank, Halifax, has passed on a disputed debt out for collection. I have raised various complaints against my bank, and in one letter recently, which remains unanswered, regarding rules set out by the FCA in the Consumer Handbook. I am a vulnerable adult who is registered disabled and my health problems included a mental…
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where to start
So I have a week off work and finally decided to tackle my debt, im currently sat here with loads of letters from creditors stating that im in arrears and my accounts are to be defaulted, I just don't know where to start or what to do, I have £22000 of credit card debt, spread over 6 creditors the highest 2 with…
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Council Tax liability order
Hi guys I'm really worried and need some advice urgently, I fell behind with my council tax and have now been issued with a liability order which I understand gives the council rights to claiming the money by whatever means. I've spoken to the council and explained my situation prior to the order being issued and they said…
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Monday 29th Feb - 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…
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Paying off debt
Hi (waves) Due to redundancy twice, I have incurred quite a bit of debt and want to pay it off and I wonder if you can help with any ideas. I have a current account with an overdraft of 4k and a card credit card with 7.5k debt. The fee on the current account is around £55 per month and the card credit debt and repayment…
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Finally!!!!!
I had to just share that for the first time in about 20 years I am finally debt freeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee!! :j:j:j:j:j:j:j:j I'm so excited, this time last year me and my fiance were over 10k in debt, we have worked our !!!!!! off over the last year to pay that off, we haven't treated ourselves to anything…
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Light at the end of the tunnel.......
Just realised that I only have 11 more payments to make on my DMP. I've been on here a long time and my story is buried somewhere. An overview: Around 10 years I get into dreadful debt after leaving University owing somewhere in the region of £80,000. I set up a DMP which would have initially cleared the debt off in 88…
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Secured loan with a deceased Debtor
Hi Guys, Just to give an overview, my partner's mother passed away 3 years ago, to cut a long story short there's no more money left in the estate but we still have an approx. £1,500 secured loan from the HSBC which they keep chasing us for. The issue is that the house now doesn't belong to my partner's mum's estate, so if…
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Letter to have incorrect default removed
Hi, I kindly request assistance with a letter that I need to send to NRAM regarding 2(?) incorrectly listed defaults on my credit file for the same debt. These are the facts; 1) Received Default Notice on 21/06/2010 advising me to make payment to my debt before 21/07/2010, otherwise steps would be taken to register my debt…
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March Challenge: Sell, Scrap or Donate 31 Things in 31 Days
After the wonderful success of last months challenge I thought I would do another for March to motivate people to get rid of the unwanted, the unneeded, the bought "as a bargain" but never used, the out of style, the surplus to requirements, the tat, the clutter, the stuff you want gone. I am changing it slightly this…
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Council Tax Benefit Overpayment Debt
I have received a letter from DWP saying they are deducting £20 a fortnight from my ESA to pay an old overpayment of council tax benefit. I called them up and they say it's from the town I left four years ago. However, I am currently paying a debt recovery agency and have been paying them for two years now, for overpayment…
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In debt but work affecting health
This is my first post and I don't know where to start. We currently have debts of around £27,000 and are about to start a DMP from April. We live in private rented accommodation and my husband's salary is our main income. My husband has been with the company since leaving school, 30 years ago. The company and his job role…
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Gonna concentrate, one thing at a time!!
Havnt been one these forums for a while, got into a relationship, all my drive focused on him, anyway, fast forward 2 years, and I'm single again!!! So here I'm am, back focusing on my steady relationship with debt and mortgage, we've been together years now, unfortunately!! 😜😂 Last time I was on here, I was O/P on my…
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Is Council Tax liability Order enforcable after full payment?
Hi Guys Just a quick question. Can the council enforce a liability order after full payment is made? May seem like a wierd question but the council has done just that by making an attachment to earnings on a liability order that has been paid in full.
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Any other savings I can make?
Hi all, I am trying to cut back on my bills as much as possible in order to try and have £1,000 saved in my savings account as a fall back. Once I have done this then I want to start paying my daughters' money back into their accounts that we have borrowed. So far I have downgraded my cable/internet bill from £110 to £55 a…
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Virgin Media I hate you!
This has been going on for a while and I honestly am at my wits end with them. I used to have two mobile phone contracts (£5 SIM only) with virgin media but cancelled one almost two years ago. I still received bills for a few months afterwards (you can see where this is going can't you) and I would ring to say that I had…
