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Loan needed but pay day loans!
Hi, I currently have payday loans totalling roughly £1500. I have a good salary per month but I am currently streatched. I applied for my latest payday loan one week ago. I am thinking about applying for a larger loan (£5000) to pay off all of my payday loans at a reduced interest rate and some of my car loan. I also need…
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council tax arrears cleared, now bailiff fees??
The back story is that there were council tax arrears built up by students between courses. The council insisted that between 2 courses the students were liable for council tax in the Summer months. So there was money owed and the account was sent to bailiffs.The total debt was bailiff fees + Court fees + council tax. The…
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Support Needed
I would be really appreciative of any support here. My friends partner left her and she has vehicle finance in her name which is costing in excess of £900 per month and a remainder of over £20,000 left on the vehicle. Despite the partner leaving she has kept hold of the vehicle due to it being in her name. Could anyone…
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Jacobs Bailiffs Help
Hi All, I have received a notice of removal of goods within 24 hours or payment of £708.25 which i do not have. The backround of the story is that i never received a council tax bill for last year and thought it was included in my housing benefit claim.. it wasnt. In Feb i received a letter from Jacobs stating i had a…
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Maybe starting a DMP with pay plan? Help please
Hi, Advised to go onto a DMP with payplan. Seen some bad reviews. Are they ok?
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Best timing to start a DPP process?
Right, so having researched my options, I think this is the best way for me to proceed. The payments due to come off my most recently salary payment have now been taken. Does anyone know when the DPP payments would likely start? e.g. if I sent in the forms now to Step Change, would it likely start from my July salary (paid…
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I'm Drowning in debt -
Hi, Wondering if I can ask for some advice? I've been in debt for a couple of years., my own stupidity and take full responsibility for my own actions. I'm on a dmp with Stepchange, but due to various factors, car (needed for work) and tax. I took out a payday loan and a vanquis card to cover these costs. This was a couple…
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Council Tax Arrears - Priority of Liability Orders?
Hi. I'm in arrears with Council Tax and have two liability orders from 2011 and 2012. I'm also in arrears for 2016 but no liability order has been issued yet. I'm paying these off, and trying to get my house in order. The 2011 and 2012 liability orders have been passed to a DCA. I've agreed to pay them £150 a month until…
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Virgin mobile
My boyfriend has registered with Clearscore and under the mobile phone section it is showing an account with Virgin Mobile with a balance of £275. It says the account was opened in May 2011 It shows payment history back to 2012 and there have been no payments made in all that time. Am I right in saying that if he does…
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Gym / Daniels Silverman debt collectors
Hello, MSE. I hope I'm posting in the correct forum - please do advise if there's a better place to put this. My girlfriend has received an email from Daniels Silverman regarding an apparent debt of several hundred pounds. Some background: This seems to be from a gym membership she signed up for late last year, on a year's…
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Barclays sold debt to PRA Group - Advice
I'm helping a friend with their debt settlement as they may have a lump sum to pay off the debt and they are having a hard time dealing with organising it. Last year they were offered a settlement of 7k from a balance of 12k. However, they didn't have the funds at the time. About 10 months ago they received a letter saying…
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Redundancy payout & Debt payoff
Hello everyone, I wanted to bounce something off you and see what you think. Today I got a 50K redundancy payout and start a new job in 2 weeks which is well paid. My debt at the moment is: Barclaycard: £4200 @ £95 per month 0% Virgin: £10100 @ £253 per month 0% Lloyds Overdraft: £3326 @ £40 per month Lloyds Credit Card:…
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:) Thursday 30th June - 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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question about old debt?
A long time ago me and my ex had a loan and credit card which we got in trouble with and never ended up paying back, this is no longer on my credit file and I have saved money up to pay it off now I am in a more stable financial position. The total owed was about 9k but I have no idea who I owe the debt too. I remember…
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What cut backs have you made ?
Hi Everyone, I'm just curious what cut backs everyone has made whilst trying to get debt free ? I have done the following - - Meal Plan & only buy what I need - Change Broadband supplier - Set my Boiler to Eco Mode - Turn all plugs off when not using/lights off - Haggled Sky bill down - Buy any needed clothes from Charity…
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Fine - Court Admin Error
Help needed please! My husband received a speeding fine a few months back; he didn't agree with it so he contested it but lost and as a result the fine went up from £100 to £320. Although my husband works full time, I'm a student and we just couldn't afford to pay it all at once. So we wrote to them to explain that and ask…
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is there anything more I can do?
Hi everyone, firstly I would like to thank everyone in advance for any help and advice you can give me. To let you all know my debt situation. Over several years I slowly got into debt due to bad money management and being young and dumb. I currently have £4700 with a debt consolidation company. Sort of wish I hadn't done…
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Where to look for help?
So, where to start with this? I've come to the conclusion that I'm in an absolute mess. After paying various payday loans, other unsecured credit (minimum payments only) and my car finance, I'm left with just under £200 per month (which, given the way I'm paid can often mean 5 weeks between salary receipts) to cover…
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Wednesday 29th June - 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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How many savings accounts do you have - piggybanking?
I just wondered how many savings accounts people have? I have 3 at the moment 1 - for general savings which will turn into my ermergency fund hopefully 2. one for Christmas/car stuff 3. one for school trips ( my son wants to go to Iceland with school - £900!!) Is there a limit to how many savings accounts you can have?
