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Leaving country. Leaving my phone bill
Hi everyone, I was trying really hard to get the right answer but most of the discussion you people got here is related to credit card or bank loans/debts. I got phone contract still for another 18 months, I am going back to Sweden for good. Not sure if I am planning to come back. Questions is, can UK phone providers or…
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Interim Charging orders and F & F Offers
I'm at the end of a very long DMP slog. All of my creditors are now paid off, bar one. We'll call them X. X got an interim charging order around Summer 2006 and the court set a CCJ at £5 per month. This was a ridiculously low amount and it'll take another 57 years to pay off. I called the DCA today to ask about a F and F.…
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Advice for partner
Hi, My new partner has finally confided in me his debts (we've only been together a couple of months). He has got letters from Moorcroft (taken over from another collection agency) for HSBC for a debt of approx £2,500; letters from HMRC for non-filing of self assessment (not sure if he's done this yet or not); a debt of a…
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0% credit card interest anxiety !
Hi all I've got four credit card balances at 0% interest, totalling about 14k. I pay back about £275 a month across these cards and I've worked out that at this rate, I'll have repaid the debt within 5 years and not pay any interest, assuming I can transfer one or two of the balances onto other 0% cards during this 5 year…
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How do you do it!?
Morning, Tonka here, I have a text from Lloyds this morning your balance is under your set limit of £100, luckily it is payday tomorrow! Every single month I get this text usually a week before payday and I can't continue, it is really getting to me worrying about money all the time, I have 2 children, a fiancee and a…
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Finally Facing Up To Reality
Hello all, I have been lurking for a few months and started to make changes already. So far I have managed to shift my credit card debt to a 0% until 2019 and a 6.9% life of balance on the rest, couldn't get another 0%. I have got rid of sky, and started to bring down food bills which were crazy for 2 people. Unfortunately…
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Wednesday 27th July - 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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Please help. Dro and bankruptcy
Hi all. Heres our story. my wife has been lumbered with a debt of around £17000 in total from a previous partner. She has been paying these debt companies via payplan with a token payment of what we can afford over the last 6 years. Now on this year's review last month payplan said because she can't afford to pay enough…
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My Terrible Financial Situation
Hello, Joined here in the hope I might be able to get some advice. The facts: I'm 37, live in rented accommodation, have no savings and no pension beyond my work pension scheme. I am also £7700 in credit card debt. I earn 30k a year and my job is reasonably secure until 2020. As you can imagine, I'm rather stressed and…
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:) Tuesday 26th July - 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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Debt Collector House Call AFTER Settling Account In Full
So today it's my 1yo's birthday, we have family and friends round, and I am 3 days overdue with my current pregnancy. About two hours ago there was a knock at the door, and lo and behold it was a debt collector from Grosvenor finance, insisting that I had an outstanding balance of £306 and it needed to be paid right away.…
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Debt & Depression
Hi everyone, I'm sorry if this is the wrong place for this post - if it is please feel free to move it. Really, this is just a way to get things off my chest. I'm struggling with debt and with life in general. Myself and husband are trying to clear our debt and to do this properly we are living apart. I've always suffered…
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Providing DOB
Hello I have an Overdraft Debt with Barclays, it was being dealt with by DM but has now passed to Wescot only they don't know my DOB so won't speak to me. They have contacted Barclays who don't appear to have my DOB either as I have been asked by Wescot to send this to Barclays but I have no idea where to send it! Does…
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Monday 25th July - what small DFW things will you be doing 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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Creditor changed date of default
Hi all, any advice welcome please. I have a default with vanquis for july 2015. It was passed to metropoliton and i am paying the balance monthly. However vanquis have now changed the default date to Jan 2016. Are they allowed to do this? The red exclaimation marks on the credit report showing the default show from july…
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Head out of sand but it all seems a bit scary
Hi, I have finally pulled my head out of the sand and realised I need to sort out finances before I cant afford to pay everyday bills. I have managed to get 20k in debt over the last 5 years by spending more than I'm earning. Im a single parent, my husband died 5 years ago and we had no life insurance, we were idiots I…
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CCA Requests not actioned, what now?
Having sent a number of CCA requests, only the ones that the debt was bought have responded saying they are finding the information. PRA for example have only so far sent the statement. The others who are still with banks have failed to respond now within 12 days. I'm doing this for a friend and she is keen to do full and…
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Block myself from credit
Hi, I am in some debt. My parents may be able to clear it but they would want a guarantee that I couldn't take out more credit (as do I). Is it possible to voluntarily and temporarily place a marker on your credit file that 100% prevents you from being accepted for credit? This might sound like a stupid question. Thanks!
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Rebuilding my credit score
Hi, my first post here so I hope i'm putting it in the right place. I recently decided to check my credit report and whats on there recently and found I have a really low score, I've googled around a lot and there is a lot of information out there and some of it contradictory so thought I would ask here as I could just end…
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Sat 23rd/ Sun 24th July - 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…
