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Tuesday 26th 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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I did it.
Well, last night I made the decision to use my little Emergency fund and pay off the very last of my debts. I'm now officially debt free!!! I feel happy and annoyed and a whole lot of things rolled into one. It's been a long 4 years, but the 15k I owed is gone and never coming back. Payday at the end of the week and I will…
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Santander default
Hi everyone Long story short 2 defaults on my account from said company but... Looking through old paper work and I have found the following. The letter states Loan summery statement Details correct as at 24-03-2011 Loan 1 Amount outstanding £0.00 Term remaining 0 months I think this is a statement after selling to dca but…
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$10K to put towards debt.. Where though?
New here, and wasn't sure where to post this. I have $10,000 to put towards some of my financial debt. I have 3 options. 1. I have a 401K loan of $9,000 2. Auto loan with a balance of $21,000 (2.99% interest with 48 or so months to go) 3. Boat loan with a balance of $47,000 (4.87% interest with 12 years left) Paying off…
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Nationwide unenforceable in court personal loan
I have been in a dmp for the last 2 years and everything has been going fine. A Few months ago nationwide sent me a letter saying they where carrying out an investigation on the interest that has been charged on a £20,000 loan I have with them. Never thought much of it till today when I received another letter from them…
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German Debt Collector?
Basically I received a debt collection letter from Germany for something I believed to be settled but evidently not, I don't dispute the debt itself (68.40€) if I owe it and probably do but wasn't informed of such however I dispute the 250€+45€ administration/debt recovery charges (I presume is what they are) and at the…
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DCA contact over unenforceable debt
I have been contacted by a DCA regarding a debt that the original creditor acknowledged was unenforceable. Is there a standard 'prove it' reply I can send to get them to go away?
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CCJ Question
Hi, I've created this throwaway to maintain anonymity. I hope that's allowed around here. I've recently been hit with a CCJ that I believe is statute barred. I'll try and keep as concise as I can, but I have a few issues and questions. - The debt is from an old bank account I stopped using back in 2008. I know this for…
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Debt Free Motivation
Morning all! As I mentioned in my Debt Free Diary (shameless plug), I listen to some podcasts relating to money/debt on my journey to and from work. One of which his called “No debt, no credit, no problem” and the episode last week was a debt free story with Jessica Garbarino. Now, I won’t ruin Jessica’s story however the…
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Mon 25 April 2016. What small dfw stuff 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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Sooooo I'm debt free but....
.... it feels rather anticlimactic. So what has happened, back in 2012 I hit rock bottom and I mean rock bottom through depreesion and massive gambling debts. I had to bite the bullet and move back home with my parents and they borrowed money to pay off my debts. Fast forward to today and things are so much better, on the…
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Payday Loan Trap - Please help.
Hi all, Apologies if this is the wrong area to post in but here goes... Its taken me a long time to sign up here but here goes... I am currently stuck in a payday loan trap. I have loans out with four lenders. I feel so embarrassed and ashamed. It started with one company and then recently work cut my hours so to pay back…
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Parents in debt. Don't know how to help.
I found out my parents & my Mum as an individual are in a lot of debt. I've seen letters with one being £5000 from the bank through varies overdraft fees & one a few hundred for a credit card (in mums name) & there's probably many more I don't even know about. They had some problems before & I even paid some off for them…
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DMP settlement question
Howdy;) I may move within the next year. If I did, would I have to pay the outstanding balance? ( over 24k) Or, would I be able to offer a lower figure?(10-12 k) I'm with Payplan , who have been great so far. I could pay the full amount on paper as such, due to positive equity in my flat. But , cut a long story short my…
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The Money Shop Petition
Hi all, Not entirely sure whether this is the right place to post this but Wolverhampton Wanderers supporters need help. As you may or may not be aware the horribly out-of-touch board of our football club has entered into a deal with The Money Shop to be our shirt sponsor for the next 3 seasons. Obviously any…
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Notice of Enforcement - Jacobs agents
Hello everyone, My story it's really complicated and moving here without having too much knowledge regarding laws and procedures made it that way. Here it goes, After I have occupied a double room for 5 months with my girlfriend and moved out, a year later I received at my new address a council tax bill for the previous…
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Payday Loans - Full Breakdown Request
Hi, I was following a thread a while ago (which I cannot find for the life of me) where people were taking on pay day companies and getting money back after requesting the full breakdown of all their loans. It motivated me enough to try it myself - I sent emails off on the 27/01 to the four in question for me. As of 24/04…
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CCJ Question
Just seeking some re-assurance. On the 20th April I received a telephone call from the owner of my past address to say they had received a letter for me that day. A "Judgement for claimant letter" and the judgement was dated the 15th April. The proprietor claimed that this was the first letter received for me which I know…
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What am I doing wrong?
Hi everyone I am after some advice from people in the know. I just want to know why I can't get rid of debt. I read an article that you should have no debt by the time you are 40 which I turn next year. My salary is 30K p.a. but I have the following debts: Lloyds Avios Card - 1800 (repay 100 per month) B/card platinum -…
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ccj letter from agency
recieved a letter from bw legal acting on behalf of lowell for a debt that was defaulted in september 2012. they have threatened a county court judgment with added costs etc. my question is if i ignore this (as i suspect it may be a shallow threat) and they do issue me with ccj papers, could i then pay it within 14 days…
