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I Made It!
I still can't believe it, but I got a call today from Payplan to say they've had confirmation from all my creditors that my balances are all 0. Almost 8 years of paying my DMP and I'm finally free! I feel like- you know in a film when someone gets shipwrecked in a storm in the night and it's all dark and loud and scary and…
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Not sure where to post this....
Hi, we are paying back a housing benefit overpayment within our rent if we were to come off any benefits and just rely on my partners wage how much can they take realistically or a percentage or something as we would be paying full rent we already pay full ct would have no benefits except child benefit.....we pay £24.75 a…
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Eligibility Checker
Hi guys, I am looking to shift some debt to a 0% Credit Card via a balance transfer and have been looking through the website to get an idea of what will be best for me. I have done the Eligibility Checker and come out with a 0% chance for everything :o but i am wondering if that has anything to do with the fact that my…
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How to get some more money to help clear bills etc
Hi guys, we have quite a few outgoings and I'm looking for ways to try and reduce them as on our combined wages we really should be in a better position. My wage is now 51,000 and my partners is around 21,000. Problem is I don't seem to have any money leftover each month to try and save up or pay off any big bills. We are…
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Changing DMP
We are changing from Payplan to Stepchange after 9 years will the creditors will be able to re-register the debt again on our creditscore?
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Time to be honest with myself!
Good Afternoon, I'm looking for a little advice, and motivation here I suppose? I need some serious help with debt, and how to manage them and I'm hoping people here may be able to assist me a little bit? I'm 31, and last year had to move back into my parent's home following the end of my tenancy on a property I shared…
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Additional debt DMP
Hello, I would like some help and advice please. I don't need any condemnation as I am good and beating myself up. On a DMP with Step change since 2013. 5k to go. Original debt 22k. I have bipolar type 1 and am fully complaint with meds. Major manic episode has led to me taking out and spending 1k on payday loans. I can't…
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Wednesday 27th April - 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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Got a closed credit card with balance - transfer to a 0%?
Hi all, :hello: First post on here, so am not sure if this is the right place to post? I wonder if anyone can help me shed a little light on this please. I have a couple of closed credit cards (TSB) with balances of around £3,500 each. I was wondering if I can transfer (all or part) to a 0% balance transfer card? I tried…
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Link Financial Outsourcing & High Court Writ
Hi, I took out a loan with Abbey National back in 2006/7. I became unemployed and buried my head in the sand and avoided my debtors. In January 2011 i was taken to court by a company called Link Financial ( no letters received as moved house ) but with this they applied for a high court writ. Eventually i received some…
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Hellix Limited - Notice of Intent
Hey, I received an email from Hellix Limited today that stated that I owed them £280 from a motor insurance debt that I supposedly had. I cannot for the life of me remember that I had this insurance policy, and cannot remember that I had defaulted on it. Their email does not include any detail whatsoever on the debt.…
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Capquest Full & Final Settlement offer...
Trying to help my Mum sort out one of her debts and need some advice. She received a letter saying about some time passing since they last heard from her (2014) and the debt (a credit card) had now gone from about £299 to around £379 with court costs & fees but there was a settlement available on the account. So I asked my…
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Finally at an end
Hello everyone I've recently posted before and still in a situation where I think I've come to and end. Can't sleep , can't eat, constantly having panic attacks that I'm going to be made homeless. I know a lot will just say get a grip but with a financial situation that I don't seem to be able to find a solution I've come…
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Advice and Help please...
Hello Where do I start...? I am maybe on the wrong board so if thats the case could someone point me in the right direction after I have spilled my guts! :o OK, So I am a 41 year old divorcee with 2 boys aged 11 and 14. I bought my husband out 3 years ago and now own a 3 bedroom terraced house in London. I have a new…
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Amigos Loans
Hello, To put a long story short, my partner and I took out a loan some years ago with amigos loans. We split up, and in exchange of CSA payments for our daughter, he would pay the loan. He met somebody else and had a child with her. He stopped showing interest with our daughter and changed his number. I assumed he was…
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Need help.
I have a few debts I want to put together and pay off either with a iva or dmc I think it's called. Their are so many companies to chose from. Can someone recommend 1? I'm just shy of 5k in debt. Need this sorting out.
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Need help.
Hi im not sure if this is the right place to come for this. I'm a mum of 6, Married and we have £7000 of debt. We have worked out if we carry on paying out what we are at the minute (£600 pm) we could be debt free in just over a year. The thing I need help with is, how do you all manage to live everyday whilst paying out…
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Payplan to stepchange
We are on a DMP with Payplan and wanting to change to stepchange how hard is it to do so?
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Full and final settlements
Hi everyone I've got numerous debts including credit card and council tax etc, most of them are being dealt with and are under payment arrangements, I'm no longer feeling too stressed which is great. I owe £6300 on a credit card which I've not paid anything towards for coming up to two years, it's obviously defaulted and…
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Starting DMP
Hi everyone, I have finally stopped sticking my head in the sand and as my wife has been suggesting for ages, will shortly be starting a DMP. Over the years we have managed to build up debts on cards then foolishly taking out loans to pay these off. It isn't totally to do with spending habits ( we don't have any fancy new…
