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Stepchange
Hi everyone,i have a question for anyone who has ever went through the debt process with stepchange.I did the remedy online and then phoned up but they said i can either do it over the internet or phone not both :( has anybody experienced one or the other or know which one is the best to deal with.?
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HELP! No where to turn.
Hi All, Second post about this problem im having at the moment. I recently signed up too noodle and discovered I had a default against my name. Debt was from a none terminated contract taken out from car phone warehouse when i renewed (had no clue it was still running) now 6 years down the line It has come to light since…
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Thursday 26th May - 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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Closing accounts
Asked this question on another forum but got no answer,maybe the wrong one. I have recently paid off my Argos,Littlewoods and Next accounts is it best now to close these as i don't intend to use them again.Also just switched a credit card,should i close the old credit card down? Or are these best left open for credit…
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Bit concerned, a couple questions please
Hi all Just curious but I am in the process of negotiating a self managed payment plan with a DCA and I'm wondering if they can force me to reveal my wifes income and request a higher payment even though the debt is solely in my name? Also, am I legally bound to provide bank statements if they ask for them? Can they ask…
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Help phone calls but no debt!!!!!
Not sure where to post this. My daughter has started to receive phone calls from debt collectors on her mobile, but they are not for her. She has not got any debt (apart from student maintenance loan). The first one ask to speak to "another person" daughter replied she'd never heard of this person, so they said sorry your…
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tax credits
Hi i was wondering if anyone can help me with a question about tax credits.My child who is disabled and on the higher rate disabilty is fifteen and i am wondering what will happen when he is sixteen,does anyone know if family tax credits stop then or caryy on until he is eighteen when he leaves school.I was also wondering…
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Wednesday 25th May - What Small Debt Free Wannabe 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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NCO Arrow - RMA Resolve
Are these the same company or 2? I've been on a DMP since 2012 and this has got just a small amount owing so i just want to clear it (won £500 on a scratch card :D ) Only paperwork i can find is a statement from 2013 with Arrow headed paper and it says to get in touch contact RMA Resolve. The telephone number don't work…
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Impatience
Hi everyone. I just wanted to ask how people deal with the impatience to sort everything out....am discovering that I want it all sorted yesterday, but it's going to take a lot longer than that. We discovered YNAB this year, thanks to money saving exp and are finally budgeting smarter and better than before. We've approx…
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Debt from Netherlands - chances of county court judgement in UK?
I done something silly and traveled without travel insurance, which means I have been landed with a hospital bill for 900 euros. I received a letter threatening a debt collection agency if I did not settle in full in the next few days. I have only been able to pay half today, but am concerned about the European small…
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Need to cut back
I have got a tough month financially coming up (buying our first home and I drove into the back of someone yesterday!) What are your top tips to save money immediatley? Thanks Lilly
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Paying off DMP debts with credit card
Hi all, I only have a few more payments to make on a 5 year stepchange dmp and was wondering if it would be possible for the last few amounts to be paid off with a credit card. ie: pay the debt over the phone giving a credit card number or a debit card number. I know that the advice will be to just stick the last 2 months…
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So, Ive been dumped by my DMA. What now??
Hi, Thank you for reading. Its going to be a long one, so grab a cuppa!!! Ive been in a debt management plan for 11 years now with pay plan. Things were ticking along nicely, until 2 years ago when they started to take duplicate payments from me. Although i was checking my bank statements i missed it as the two dates…
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Help..Summary Judgement now going for Charging Order
Hi, I wonder if someone could advise me.. I had an old debt with Lloyds bank being dealt with by Cabot. It was around 5 years old so when i got the letter in the post from the court saying they were applying for a ccj i responded with my defence saying that i believed it was statute barred and didn't have any idea what the…
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Tuesday 24th May - What Small Debt Free Wannabe 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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Council Tax Enforcement
Hi My OH had a letter at the end of April for 3k in council tax debt. This was for his former matrimonial home which he moved out of around 2004ish. Court documents stated the house was relinquished in full to her. Mortgage remained in his name as she's never worked and she made the payments instead leaving it in his name.…
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Lowells partially settled debt
Hi all, Im just reading upon debt collectors as my gf has just accepted over the phone a partial settle for a 320 debt for 120 payment. Im under the impression this debt can still be chased for the remainder of the debt unless they mark it as fully settled! Im also worried any verbal discussion they have had over the phone…
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DMP- Going it alone??
Hi all, This is my first post here, so please be kind! I have an ongoing debt management plan with pay plan, which I have had for the past few years. I have been fortunate enough that my creditors have been very understanding and accepted any payments proposed to them. Today I received the obligatory 'its time to review…
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Court Papers
My husband got a court summon for alleged debt. He is a long time member of this board but he is away for a few days on a business. He is in a bit of a shock as account is definitely statute barred. The shock is not really about the summon but about using solicitor. After a short free consultation with litigation…
