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Thursday 16th June - What Small Debt Free Wanabee 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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Martins money
Evening all, I posted this here as I'm a DFW regular, but it could be on any thread really. I was talking to my mum this week about something financial and she said 'well on Martin's money, it said ...' And I just thought, wouldn't it be great if we could rename the site that to avoid confusion with other commercial sites…
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Debt-Free wanna be vs Maternity pay. Determined to stay on track.
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I'm a mess. Where do I start??
Hi everyone. It's time I need to sort my life out, but I don't know where to start! Any help of advice would be very much appreciated. I have lots of old debt that I've burred my head in the sand about. I rent my house. I have no assets. I have two cars on HP and a very high rate of interest, because of my credit rating.…
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Advice please stepchange closed my account
Hi sorry I'm not going to Womble on but I've been in a bad situation and ignored telephone calls and missed a couple of payments to stepchange march was -£50 in it should of been £257 and June's was paid but they returned my money and I tried repaying but stepchange texted me yesterday to cancel my standing order with them…
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threatening debt collectors for parking fine
Hi, This is my first ever debt at age 25, not quite sure how to deal with it at this stage. i received a parking fine from Euro Car parks for overstaying in a free car park, which I didn't reply to or appeal in time. I intended on appealing as my reason for overstaying included me being a stressed out new mother who was…
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Ground Rent Service Charge Debt
Hi I am £800 behind with my Ground Rent Service Charge. I own my own flat, and they debt company are demanding now a £1000 including charges to be paid within about a week. It says if not paid then court action will be taken and court costs etc added. It also says my lease has a right of fofeiture does that mean bailiffs…
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DMP Company ceased trading, advice please
Had DMP in place for about 8 years, was happy with it, paying 125 a month, 25 of that a fee, rest to (4) creditors company taken over by spivs, they were constantly ringing and texting me trying to change my plan, chase up ppi etc they have now ceased trading, i only found out when one of creditors wrote to tell me What…
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Thank you
7 Years ago I joined MSE looking for advise on debts. I had a 1yo daughter, a useless fella and we jointly owed £34k worth of debt (as I was stupid enough to allow him to control our finances and signed paperwork without checking!!! :EEK:....) We had bailiffs at the door, CCJ's, court summons and were up a creek without a…
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DWP & Council overpayments
Need to start again sorry
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Wednesday 15th 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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Trust deed help.
Hi all just a question. My finances are total mess and i really do need to get control. Im sick with worry and it looks like a trust deed is the only way out. However i have £250 i pay per month to my car but its in my dads name as i couldnt get the finance. I understand i wont be able to list this as a payment so im just…
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Apex and Capital One
Hi all, I have a debt with Capital One, and it has been with Apex for nearly 3 months now apparently. I rang Apex today to speak about a repayment plan, and they said that after 3 months Capital One may recall the debt so that Apex no longer have it. Is this true in peoples' experiences? Also, if so, I would prefer this. I…
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Jacobs!!! A warning
Hi, Last year my Son had some mental health problems and ended up attempting suicide. In the 12 months or so leading up to this he built up some rent and council tax arrears. In an attempt to help him through this tough time I contacted his creditors and made arrangements for him to pay the debts off. His council tax debt…
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Tuesday 14th 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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Motor Mile Finance provided proof, although it's not my loan.
Hello folks, I received a bunch of MMF letters a couple of months back and, following sage advice from this forum, sent the PROVE IT letter. Yesterday, I received the proof! However, it's not my loan. It has my name and address on it, but the email address and NI number are not mine. I've never taken out a payday loan. So,…
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Hello - Newbie Debt Free Wannabe
Hello Everyone I hope you don't mind me joining in. I'm new around here lurked a little and your all so inspiring. I'm really wanting to clear my debts, I managed to pay a chunk before but since I've just pilled more and more on my C/Card so I feel like I'm in a hole again. Extra money I get doesn't always go on debts as…
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SOA - any advice greatly recieved
Any advice will be greatly received. I've just recently renewed by gas/electric - its fairly cheap at £55 a month and my house insurance I actually paid in full at £85 but put down a montly amount. I don't know what else to give up. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in…
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BW Legal - CCJ
Good evening all, Just after some advice if anyone can assist. My partner has received a CCJ regarding an old debt in her name and we are unsure as to the best way to proceed. I will recount the tale and try keep it brief: My partner moved out of her family home about 8 years ago, she had a Next catalogue account…
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Rundles: Liars and Cowboys
So this is my 2nd jaunt with Rundles (Hooray!). Now I have no issues with the debt or repayments but I am concerned with, is the way Rundles operates and I am interested in anybody else's stories involving this unhelpful company. The first time with Rundles, I was going to struggle really badly with repayments. I spoke to…
