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Debt offers
I have crashed a number of credit cards which i have then negotiated with the Companies and kept to the agreements. MBNA have now written to me saying the 6 months is nearly up and that i can continue with the arrangement or i can make them an offer to close the account. I have seen all the adverts to "wipe" 80% of your…
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lowell group advise
hi, first time posting here, hope somebody could help advise? i've recently received a letter from lowell stating they own a debt owed by myself to a high street bank, i've sent them a prove it letter from this site (recoreded/signed for), i have now received a letter thanking me for my recent correspondence and confirming…
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Debt circa 40k help needed
Around 2 years ago my husband was made redundant and suffered from depression as a result so took some time to get back into employment. He now has a job he is much happier in, but with very reduced salary and is on a zero hours contract - his hours vary each week and over winter can be no work at all for a couple of…
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Littlewoods / Lowell Portfolio
I'm finally knuckling down with my credit report and am so far complaining to various payday loan companies for irresponsible lending. I was wondering whether anyone had complained to Littlewoods? I have a (settled) default on my account from them. The loan was taken out on an item costing approx £350 and I was working PT…
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Claiming against wonga
I was just wondering if anyone could give me some pointers as to how this may play out? A bit of background (although an AS would throw up some info)....back along I got myself into the most horrendous cycle using wonga. This resulted in, over an 18 month period, a total of 79 (yes, you have read that correctly!!) loans…
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Voluntary Repossession
Hello there and thank you in advance for any advise 😊 After many many years of struggle we have made the decision to apply for voluntary repossession. We have had independent advice and researched to come to this painful decision. I had previously seen a letter template on mse of what to say when sending keys back to…
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Best debt consolidation option
I have just discovered my husband has £18,000 debt. He is working on the root of the problem and I am prepared to help him work out how to repay it. It's currently on two credit cards and one unsecured loan. Is it as easy as asking you knowledgeable people what the best way to consolidate would be? We have a shared…
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Balance transferred for hopefully the last time
In the last year I've paid my debt down from around £7k to £2.7k, while also putting together savings of around £5k. I've decided that I now trust myself not to spend on credit any more - the only things I've bought on credit in the last year are big items I've wanted Section 75 on, and paid them off immediately - so I've…
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Secret Debt - I want to tell my boyfriend
First, I'll give a little back story. I'm Kay and I'm 26, graduated university in 2012, got my first credit card and everything went downhill! I live with my boyfriend of four years, and we live in the house he owns. He pays the mortgage and I contribute towards the bills. Unfortunatelty I have had some problems with work…
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Tuesday 7th 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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im 25..made a mistake..need help from your guys please
so like a fool i went in the Mercedes garage and got myself a car on Hire purchase im on my 7th day and realised i maybe cannot afford it...plus i do remember asking the dealer guy how many previous owners an he avoided answering only to find out once i came home it had 3 previous owners anyway i know that i have a 14 days…
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DPP - Is this a good way to go?
Hi everyone, I've finally bitten the bullet and had an honest look at my finances. After receiving a letter from my bank saying my Graduate Account will finally be closed - it has £2,500 of an O/D - I got a bit panicked. I went through the StepChange website and the best option for me is a DPP; Would anyone be willing to…
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Credit Cards
Hi Got £16k on 6 credit cards and the minimum monthly payment beginning to take its toll any advice?
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advice on ppi and f and f settlement
Hi Can anyone help on this? I have been on a dmp with stepchange since 2007. My outstanding balance is estimated as £22934. I have today been offered a payment from Natwest for ppi which is just over £19000. Are they likely to agree to write off the existing £3000 or so (the debt was with Natwest and has now been passed to…
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Capquest????
Today I got 2 letters from Capquest that freaked me out. One was for an amount of £15,756.72 and the other for £9270.10. I checked my experian report and there was nothing on there (in case I had been a victim of identity theft) and the whole thing has left me clueless. I have never owned this much money to anyone ever (i…
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Payday loans and credit files
Hi all, I'm a long time lurker, first time poster. Think it's about time I dug my head out of the sand! I'll try and keep this short and any advice given would be greatly appreciated. So a little background info: Between July 2011 and October 2012, I had some financial difficulties and found myself relying on Wonga and…
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Spending on Groceries and Household Items
I am wondering how much I should be spending on groceries per month. I live alone and seem to be spending about £250, which from reading other posts seems to be very high. I tend to shop at Sainsbury's and don't eat very healthily, though I am trying to change that - which would seem to add more onto my bill. Do you think…
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Marston Holdings
Hi all Please could someone help, apparently i have had a unpaid TV license fine from 2014 which has gone to court and i received a fine, to be honest i vaguely remember this but have suffered from severe anxiety and depression and have spells of just burying my head in the sand and just throwing my post out today when i…
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Received County Court Claim Form
Hello everyone, I am looking for some advice please. I accept full responsibility for my actions and I know that the situation is nobodies but my own so please do not judge me. In my past I managed to take out some silly debts and got myself into a situation where I had several defaults on my credit file. I have paid back…
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Husband off sick and no sick pay. Ideas needed to survive it
Hi We're just working on getting out of debt and making savings but my husband has just been diagnosed with severe depression. He's been off for 3 weeks unpaid so far and I am starting to panic about how we are going to cope with this. We only have £370 so far in savings and a 3 year old child to consider. I can't really…
