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nationwide default help
Hello I contacted nationwide yesterday to see about settling my debt. Whilst on the phone they said I had defaulted on the 12/12/12 which I knew was not true because I contacted them in July of 2011 when I thought I was defaulted so I raised a complaint. I've had a call back today from nationwide to say that they have made…
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366 Penny Challenge
I am still paying off debt. I have seen the 366 Penny Challenge (where you save an increasing amount, ending up with more than £700 by the end of the year) and would love to do that, so I have a fixed budget for Xmas 2016. Would it be more sensible to put that amount towards paying off credit card debt? TIA, Ali x If you…
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worst unsecured debt that you know of?
Hi everyone, I am new to this site having just faced up to the amount ofdebt I am in. I am sickened to admit that I owe 35k on a 51k salary. I intend to post all of the SO stuff etc over the next week when I have got full details of apr's etc. I know it's relative to ones income but, what is the worst level of unsecured…
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Wednesday 17th February- 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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Help with satisfied default
Hi me and my partner have got in a mess with debt from the past we have a end loan which defaulted 4 years ago with a balance of 7000 long story short were trying to sort everything out as we have buried our heads for so long , the position were in now we would never be able to pay the full amount TVs have offered 1000…
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Full and final settlement
Hi I was hoping to find some advice here on how to negotiate full and final settlement when I haven't defaulted on my payments yet. I have huge tax bill to pay and they won't agree to a payment plan. I am seriously stuck and am worried ccj will impact my ability to work. Is there a way to negotiate with banks for a…
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Council Tax, Bailiff Fees, and do I really owe them?
Hi All Due to my own 'later' attitude I incurred a council tax debt, which I simply kept meaning to pay later - eventually a debt collection agency (Jacobs) became involved. I have paid the amount owing to the local council directly, via their website, without engaging in any way with Jacobs Enforcement Agents. However the…
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Another Lowell/o2 case
Hi Lowells have been writing to me for a while about an old o2 debt they say is outstanding. As I have no knowledge of a current debt I ignored the letters for a while but when they started threatening court action I decided to write to them and get it sorted. As I don't think I owe any money, back in December I wrote them…
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Bailiff help urgent
Hey guys would greatly appreciate some advice on my situation. I received a letter on the 18th of January from jacobs enforcement agents, stating that I have a debt for a parking ticket dated the 6th of June 2015. For the car in question, I sold it in January 2015 and the guy I sold it to said he was going to ring up and…
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Old account suddenly come back?
Hi I hope someone can help, I am not sure this is the right spot for this but here goes! I had a credit agreement which started back in 1999. It was for a car, through a high interest company - and I defaulted in the last year of the agreement which was 2004. There was approx. £1300 still owing, and I set up a payment…
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Fell off the wagon, now need to stop the insanity!
Years ago I had my lbm. I realised that the amount of debt we were in was scary and I needed to turn this situation around. So I did. I moved into more affordable accommodation and not only managed to pay off some of my debts but even had savings as well. For the first time in my life I was handling money in a way that…
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lost my bank card but need to withdraw money
Im not sure if i am posting in the right place but hope someone can help Ive lost my bank card but need to withdraw my cash to pay some bills and dont have any credit to ring anyone at the minute so i was thinking if i go into the bank will they give me cash over the counter if i take my ID, im with santander
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Tuesday 16th February - 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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Help! Sold perfect homes goods
Hiya, I Recently got a new phone from perfect homes and had to sell it due to financial issues and have fallen behind on payment and perfect homes are now asking for the goods back and are refusing to take payment. What action will they take? Thank you x
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My SOA
Hey all, Newbie here looking for advice. It started last year getting a CC, then on to loans and now we're in debt to the tune of about 40K. I've posted my SOA below. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0…
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Contacting Creditors
Hi, I have accumulated quite a high amount of debt on 3 separate credit cards. I've stopped spending on the cards and I've made a monthly budget so I can afford to make the minimum repayments on each card. However the interest rates are pretty high and I've tried applying for a consolidation loan/balance transfer credit…
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sfe reclaiming 'dependants grant' from 1999
I am currently in dispute with sfe regarding a dependants grant I was awarded by my local authority back in 1999. At that time, I had three school age children and was studying for a BAhons with QTS (4 years duration). They are unable to find any supporting documents as my claim was with my local authority and was…
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Ground Rent/Service charge demand from solicitor - please help!
Good afternoon, I wasn't sure where to post this message, but thought this forum would be a good start, or to at least get a point in the right direction. I have received a letter from a solicitor on behalf of my property management company asking for a paying of £1.7k for arrears on the ground rent and service charge,…
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Question about debt no longer on credit file.
Hi Guys, I'm not one for wanting to shirk my debts off but this relates to a credit card I'd supposedly had with Egg, I'd disputed this because I'd never applied for a card with them, yet despite trying their fraud team who weren't very helpful because I couldn't answer security questions I didn't know and due to suffering…
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Stat interest IVA
Hi all, Quick question. I am in an IVA and owed 8k, I've paid 3k and now have received an inheritance. The IVA company now want 20k off me to repay my debts? Is this figure in the right ballpark or is it way off? Thanks
