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Usertesting.com
Hi, Was thinking about doing this to earn some extra £££, but i would need to buy a headset....so before I take the plunge I wanted to know if anyone is doing it / what your experience is? Will it help me earn some extra pennies? I used to do User acceptance testing for my old job, so have experience of it. Thanks Rambehan
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Quick Quid
Not sure if this is the right thread but here it goes. I spiralled into debt a while a go and now I have a DMP with Stepchange - best thing I ever did. I've been reading on here about payday loan and interest that can be claimed back if the loans were irresponsibly lent. I had the loans below with Quickquid which I think…
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how to make token payments
hi. i am about to start organizing a DMP through step-change and have already canceled the direct debits to 3 loans. I will be having my wages paid into partners a/c as overdraft is maxed out. I'm of work on Wednesday so will be making all phone calls then. How do i go about making token payments to these loans in the mean…
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Step Change, DMP & debt collectors
If you have a DMP plan with Step Change, is it normal for them to be paying a portion of your monthly payment to a debt collector rather than just creditors? Someone I know is on a DMP and has just received a letter from Lowells debt collectors offering an early settlement if they immediately pay 50% of their total debt to…
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Mortgage capital 6/12 years and reassignment
Hi I hope someone will have information that can clarify my situation. I have done a lot of research but not uncovered the following question: I had a mortgage on which I defaulted in 2006 and was repossessed in Sept 2007 leaving a roughly 35k shortfall. I have not heard from the bank since 2009 when I was simply denying…
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Where to start?!?
So I've been lurking on these forums a while, reading other peoples diaries and feeling a combination of being both inspired and daunted at the same time. My partner and I are about to take on a mortgage of nearly 260k and the need for us to both budget and reduce debt has never been greater! I'm at a bit of a loss where…
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Old Mortgage with ex partner
I'm hoping for some advice on what should i do with a mortgage that I have along with my ex partner. My ex still lives there with her new husband, 3 of my children (1 under 18) and his children. The problem is the account is in arrears and my credit file is preventing me from being accepted for mortgages loans etc..…
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statute barred debt
hi all I have two old statute barred debts one from alliance and Leicester and another one . I have never acknowledged the debts and have no ccj on them , but I was wondering how do I find out what happened to the debts without setting off triggers , my credit file is clear because all this happened about 10 years ago
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starting dmp bit of advice required
hi guys. tonight i have come clean to my partner about my debt and now i am finally on the right road ( albeit bridges to mend ). i have filled out the forms with step change with regards to starting a dmp and also canceled direct debits to loans. 1 of these loans is with Barclays (and an overdraft as well ) whom i also…
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Piggybanking
I'm ready to start slimming down my spending and seriously start paying off my debts and building a buffer in my current account. I currently save £100 a month as an emergency fund (I have £150 so far) but my question is, do I plough everything into paying things off each month? Or do I put some small amounts (e.g for…
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PDHL went bust...no debt management plan in place. Please help!
Hi all, I'm writing on behalf of my partner, who had a debt management plan arranged with PDHL (http://www.pdhl.co.uk/) who ceased trading in March. He tried to register with the new company they suggested but they would not accept him. He is now getting hassled by his creditors for much bigger amounts than he can afford…
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Sat 18th/Sun 19th - what small DFW things will you do this weekend?
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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T3 Collect......
NOT SURE WHERE TO PLACE THIS SO PLEASE FEEL FREE to MOVE..... Hi All Just received a text message from T3 Collect saying that they have been trying to contact me and to call them on a london number quoting a ref number..... Well. First off I have not been contacted by them by letter thats for sure, they could of called me…
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Loosing Motivation
Hi all, I'm not sure if it's all this rainy weather bringing me down but I am about three weeks into trying to be better with my finances and pay down debt and I have lost a lot of motivation... so much in so I just booked a holiday on a whim. I did feel terrible afterwards, especially as I had to redo my repayment…
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Attachment of earnings advice
Has anyone who has ever challenged an attachment of earnings amount been successful in getting this reduced to an affordable amount? I have sent a letter to court and a hearing has been arranged to discuss this I just do not know what to expect or if this can even be a possibility (reducing amount) Any help much appreciated
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Friday 17th 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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Restons - Charging Order help!
I have been paying Restons £25 a month towards a credit card debt of about £5,000, they asked for an I & E form which I completed and I increased my payment offer to £30. They have rejected this and have sent a letter saying they are applying for a Charging Order on my property which is in joint names, the debt is just in…
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Need help getting out of debt
I've always been a bit of a debt denier and I'm admittedly poor with my finances. I knew myself and my wife were in debt but until I sat down recently and went in detail through my debts. I have around £6.5k in a consolidation loan remaining - about 2.5 years left of a 4 year deal at £200pcm My joint account regularly gets…
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posted in wrong section please delete
posted in wrong section
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Advice for clearing off over-draft
Hi there, first of all, if this is in the wrong forum I apologize & please move it to the proper place. Second of all, I'm looking for some advice on reducing / clearing my overdraft. I don't mind giving specifics as it'll hopefully lead to more specific advice. I currently have a £1000 overdraft with the Santander bank.…
