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I fudged up with my council tax now they want the whole lot in one go
First bill I got after we moved into our house was a reminder notice. Stupidly I got sidetracked with life and didn't pay within the 7 days. I realised the other day what I'd done and tried to ring them to sort it out but this is Cornwall council we're talking about and you just get passed from automated menu to automated…
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Balance sent to debt recovery
Unsure if this is the wrong forum, sorry if it is. Received a debt recovery letter today for £43.95 for an unpaid gym sub that was due on the 15th (for £24.95). Not had any sort of notification this was due, having accidently cancelled the wrong direct debit while having a clear out (had 2 for same place). I've checked the…
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help clearing my debt
My position is that I have recently retrained as a secondary school science teacher, completing my NQT year last year. This has meant that two years ago I completed my PGCE course, which meant I had no income coming in, other than student loan, although this only just covered the basics and only arrived every term. So…
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Friday 22nd 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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Scott and Co (Glasgow/Edinburgh office)
Please please help!!! I have Sheriff Officers from Scott & Co coming to my house on Friday 22 July. I live in Glasgow. I phoned their Edinburgh office on Monday, they phoned the Glasgow office. Edinburgh then told me that Glasgow were looking for £125 per month. I told them we could not accept that. I cannot get a job…
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Can dept collectors find me via electronic rolls
Hi, I have just finished uni and want to improve my credit rating and sign up to electoral roll. The problem with this is I own around £1200, from 2 years now to spark energy and afraid incase they find me. They've never come to my house, since I kept moving when I was a student but have received many calls from them and…
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Life after my DMP
Hi guys I'm new to the forum and after some advice please. I got into a pickle financially in 2011 after having to take a significant pay cut at work, which meant that I couldn't keep on top of my debts. I entered into a DMP with the help of PayPlan. Fortunately I was able to make a life change and decided to move to…
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Thursday 21st 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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Debt Consolidation Advice
Hi I was hoping some of you could help me with some advice. I am looking to become debt free and want some advice on the best ways to achieve this. Some background. I currently have the following debts. Bank Loan: £3500, Credit card: £1100 and overdraft up to £500 which is unfortunately used occasionally to the full. I…
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CCJ must we tell?
Hello all I have a CCJ for a debt of £20,000, the amount set was pay back £10.00 a month with no interest added, as I am on disability benefits. I am 55 in October and can get £16,000 out of my defined benefit scheme, do I have to inform the creditor and give them any more money.
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Old mortgage debt
I've just received a letter stating that they have sold my mortgage arrears debt to another company. They have not contacted me for about 5 years. I received a letter 5 years ago that I stupidly ignored. The debt is from a previous relationship. If I acknowledge the letter and fill in the outgoings and income sheet that…
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Seeking advice regarding 10 yr debt & CCJ's
Hi Everyone, I may not be posting in the right section, but hopefully someone will be able to help me. I had a quick search last night and have read a couple of closed threads regarding old debts, but I am not 100% sure if my situation can be dealt with in the same way. A couple of weeks ago I received a letter from a…
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Wednesday 20th 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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Just how rife is unsecured debt?
According to the news/media, unsecured debt is rife and on the increase and yet I feel so alone in my attempts to clear our debts. We currently have unsecured debts of over 40K, however after having our LBM we are now knocking off 1k a month. Apparently for people in our category ( 30's with young children) the average…
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Transferring restrictions during transfer of equity
Wondering if anybody on here could advise me. I currently own a property that is mortgaged. The property is jointly owned by my ex partner and myself, however I have been keeping up mortgage repayments. The mortgage is currently an interest only mortgage. There are two restrictions on the title deeds, one on my ex partners…
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Restons....arrow global....hsbc confused
I received a letter from restons friday....the tone of which was quite unsettling. They are threatening court action over a credit card debt orrigainally assigned to arrow from hsbc. They included a form for details of my expenditure and the letter hinted at a discounted rate to pay back. I am trying to work out the best…
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My debt is out of control please help
Hi all I've got myself into a pretty bad debt situation. Long story short I am paying all bills and haven't missed any payments but I know it will take many years to clear my current Credit Card debts due to the amount plus interest! I currently have 2 credit cards, 1.store card and an overdraft. Total debt 19k. Credit…
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Stop lenders
Hi all I was just wondering if there's a way you can ask lenders NOT to lend any further money? My partner has mental health issues and has got us into horrendous debt which we're working on. But less than 2 months after I found out about it he's borrowed more money from one of his credit cards and from Pounds to Pocket.…
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:) Tuesday 19th 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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help
Please kindly suggest budget options. Would like to become debt free but also fed up of struggling monthly. [tt]Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 2300 Partners monthly income after tax....... 0 Benefits................................ 0 Other…
