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How do you all manage your bills and spending?
Hi again forumites, So how do you all manage your bills and spending? I'm thinking of setting up basic accounts for essential bills, so rent council tax and to license, non essential bills such as phone and Internet, pets account for food and vet bills, essential spending for travel to work and food and non essential…
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Help
Hello, It has been a long while since I have been on here or the MSE site, but I seem to recall Martin put a post up or guidelines on how to give yourself a full financial MOT. Can anyone point me in the right direction please. thanks Kelly
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Student loan Debt from 3 years ago - college said it will be written off?
Hi all, need some help for my gf here, she went to college in Scotland approx 3 years ago and stayed only for the first 3 months as her father passed away and if she left at the time it would be OK. she has received a letter to her mums house in Scotland saying she owe 2k and will be taken from her pay. the college advised…
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Charges for unpaid council tax 'push people further into debt'
Councils are too quick to call in bailiffs, use court orders and demand upfront payments, says Citizens Advice...Read the full story: 'Charges for unpaid council tax 'push people further into debt'' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our…
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There is hope
Everyone tells you that your credit file is wrecked you'll never get a mortgage for 6 years etc etc, I would like to share my own experience as a glimmer of hope LBM June 2011- Unsecured debts of around 30k 3 debts defaulted may 2012 Paid off by 2014 one marked as Partially settled Roll on to 2016 I've just been approved…
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old debt
A water company is saying I owe them money from over 12 years a go 2004 but didnt apply for a ccj untill 2011 now they a threatening to go back to court to get it enforced if I do not pay ... can they do this or is it already statute barred ?
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Feeling positive. Let's kill this debt!!!!! WOOOOOO
All is well and here I am again. My debt is down to £11,100 split over four accounts £3,200 £2,200 £2,400 £3,300 I have also got £2,000 which I am planning on offering to settle something. Wish me luck
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Friday 8th 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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Lowells Debt that I do not owe!
Good morning everyone. Hope you can help with this as I'm at a bit of a loose end! My girlfriend received a letter from Lowell Financial Ltd stating she owed the sum of around £800 due to outstanding debt from Shop Direct Ltd in June 2015 whom they have bought the debt from. They had her full name (she has pretty common…
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well l tried.. plus a bristow annoyance
some might remember a few months back l came for some advice and was given some good numbers to the national debtline and step change. l attempted to get my parents to call step change, which my mother did do, we obtained a case number and had to gather the debt information together, which l managed to find eventually (l…
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nhs childcare bursary
hi i will appreciate any help/advice/tips on how to handle nhs bursary childcare overpayment demanded by nhs bursary. i withdaw from my course after completion of year 2014/15 session. i was contact by nhs bursary to pay back the childcare amount i was paid because higher residual income. i requested for a break down on…
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Mortgage vs 0% credit card
Hi, I am after some advise.. I have £95,000 remaining in my mortgage and I am keen to pay it off ASAP. I am currently overpaying which takes the term to two more years. However, I'm wondering whether I should get a 0% on purchases credit card to use for my food shopping and everyday spending so I can then over pay a bit…
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How much is your food shopping bill??
Hi, Me and my partner are trying to save for a mortgage deposit but the two biggest chunks of money that leave our bank every month are rent+council tax followed by weekly food shop. This doesnt leave us very much to use after utilities/car payment come out. We have 3 children, 9, 4 and 1, and our weekly food shop comes to…
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CCA Request & Making Full and Final Settlement Offers
I'm helping a friend reach agreements with credit cards she's in debt to. I have recently sent a CCA request to the PRA as they have bought the debt and they may not have a copy. There's a few other debts. A couple others have been purchased by Link or managed by debt collectors. While others are still directly with the…
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Thursday 7th 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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removal of a CCJ
..... evening can someone please guide on how I would proceed with taking it off my...
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DWP old debt
Hi, The DWP has sent us a letter saying we owe them money from 1996/1997 which I know we don't owe as we paid off the debt years and years ago. Problem I have is I have no proof. I work for an accountants and I've always understood you only need to keep paperwork for 6 years even when it comes to paying your taxes to the…
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Debt management agency or Diy for final settlement
Can I ask opinions on using a debt management company (step change) DIY to arrange a final settlement. I have just rang PRA and only offered a 10% discount....sadly can't do that. Any help? thank you
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Fitness Last
Hi there, I'm on a plan with Stepchange, yet there is an outstanding debt that I've not had put into the plan yet. I'd been having trouble with Fitness First. Around May 2015, I was invited in through my employer for a free trial, and offered corporate membership, signed off, was then informed that I was ineligible as I…
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Default on Credit File from PRA
Just wondering is anyone has any experience of this or can offer any advise? I checked my credit file today and I have two defaults listed on it, 1 to MBNA for a CC that defaulted in Feburary 2012 and then the same Debt transferred to Aktiv Capital (now PRA Group) who have listed a default in October 2012 for the same…
