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Got paid for a job I quit in December
Hi, I just got my bank statement through today and was looking through it and was shocked to see I had been a week's wages on January the 29th, but I had left the job on December the 1st. I had already received my final wages and a redundancy payment, but I have now received an extra £1050. While I am over the moon at…
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Psychiatric condition and loans
I took out loans with Morses and Provident some time ago and stupidly renewed them and increased what I owed. A few months ago I had an anxiety-based breakdown and have only been working part time since then. I am currently paying Morses £120 a month and Provident £40 a month and am finding this a real struggle on my…
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Emergency Fund ?
Hi, I know most advice on here is to have 6 months income in an emergency fund. Is that 6 months of joint household income? Seems like a lot to save! :eek:
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Monday 15th 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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British Gas threat but not with British Gas
HI All On Saturday letters arrived from British Gas saying that they will be applying for a warrant to change our meter to a pre- paid because of an outstanding amount. But our energy is supplied by Sainsbury's and my partner pays Sainsbury's diretc. My partner rang Sainsbury's and they told him they will contact British…
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Making progress!
I posted here about 4 months ago under a different account explains my money troubles. Since leaving uni I'd racked up about 7000 of various debts, mostly payday loans etc ans credot cards, thus my credit sckre was a mess! I made a plan with help from people here and stuck to it. I'm 24 and hopefully looking to start…
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the best way to go?
Hi everyone, My partner has unsecured debt of just under 16k, he entered a DMP 6months ago with stepchange and was paying £1 token payments, he's just had a review and has upped it to £10 payments. He has a total of 4 creditors, 1 of which has been sold on to a recovery agent. What is the best way forward for him? unless…
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Any advice welcome: overdraft
A quick background: I have a £1.5k overdraft with RBS. It is on a student account, which should have changed to a regular account in 2005. I had asked many times about changing it, but they always just said "someone will be in touch". About four years ago my life turned upside down and I was unemployed for about 2.5 years.…
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Advice wanted please on Loans
Hi, I am currently trying to reduce my debt on my loans. I have a loan that has 10 months remaining with about £950 left to pay. I also have an unsecured loan at a high interest rate (about14.8%) that has 3 and a half years to go and about £3800 left to pay. I am paying about £220 on both of them a month. What I am asking…
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Downsized and feel relieved , highly recommend
Hi all, thought i would share how i reduced my debt considerably without major life changes , and never looked back. We lived in a four bedroom house , 2 adults 3 kids, so all have there own room. Mortgage of £740 p/m, i hated having that hanging over me for the next 20 years. So started looking at 3 bedroom houses, same…
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Applying for a mortgage - defaults due to fall off
I had some adverse credit from 2010 due to fall off my report this year. I have had no other new adverse credit in the past 4-5 years. our joint income is healthy and we are saving up for a deposit to buy a home in 2017. I just want to know if I have a good success rate for a mortgage in 2017 and looking to put 10-12%…
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Barclaycard and late payment
I currently have a 3 year 0% blance transfer deal on a Barclaycard and I stupidly forgot to make payment on time this month. As soon as I realised I made payment but have now had a late payment charge applied and a default letter sent to me. The payment was a couple of days late. I seem to recall when I got the card it…
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Sorting out Dept with help from stepchange
Good evening people. I am in need of some serious advise guys. I contacted Stepchange about a week ago about my debt problem. Now they are great but I am not sure what the flip I am doing. I have the paper work to fill in - thats not an issue for me. The issue I have is down to the fact my anxiety and depression are just…
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Happy Dance
I popped in here today to remind myself of how far I'd come and because, as I've kept all of my own issues to myself, I didn't have anyone to tell about the happy dance I've just been doing round the house. Three years ago I was £42.500 in debt . I've been working my little socks off and living like a monk to set things…
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scottish power wont take my money!!!!
Hi, Hope someone can help me, I have looked at both Noddle and Experian and both say I have a outstanding debt with Scottish power. (but both state no account numbers) So I rang Scottish Power to pay and clear said debt (which is now 4years old) Because I have no details and they cant find me on the records they will not…
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How can I improve finances
Hi , sorry not entirely sure if I'm posting in the correct place as I'm not in any significant debt (apart from mortgage ) but was looking for help/ advice on how to improve finances ? Me and hubby have reasonable combined income 2674, plus child benefit 137 - our total expenses per month are 1661 - so in theory we should…
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Debt management - advice
Hi everyone, new poster here. I'm posting this on behalf of my mother who doesn't use internet forums. Advice is needed on what to do about a debt management plan and I'm quite worried on her behalf. To cut a long story short, she took a loan out of £20k with the Natwest about ten years ago. After a couple of years I'm not…
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Bank accounts-1st graduate job (higher rate tax)
Moved to the relevant section.
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Minimum Payment Marker
Hi, can anyone confirm how much you need to pay above the monthly minimum amount on a credit/store card to ensure that a minimum amount payment flag isn't added on your credit file history? I'm Snowballing at the moment to clear debt and it suggests paying minimums on all other cards and pay money off the debt you're…
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not my debt but have to pay?
Hi everyone. Few weeks ago I received first letter from debt collection company. Obviously I have had no idea I have any debts at all. After few more letters and visiting local Advice Centre, I figured out the debt it for unpaid mobile contract. It looks like my ex husband signed it using my name and simply didn't bother…
