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Credit score checker
is there a site that allows you to use all year round with no fee ?
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Wednesday 6th 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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basic bank account already, do I need to open another one prior to bankruptcy?
Hi, I am about to apply for bankruptcy. I have a basic Barclays bank account, debit card and online banking, no overdraft and a positive balance with no debt owed to the bank. I am hoping I will get to keep this account once I have applied for bankruptcy, but, should I open another one in the meantime; to me it seems…
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SOA , please have a look
Dear All, here is the SOA below. I am definitely going bankrupt as I have debts of approx £99,000. I do not want to fill in all the debts as it would take ages, but what I would like is comment on the outgoings as I need to know I have got the correct figures for the Bankruptcy online form, and that nothing seems too…
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Success v Bank Credit Card
Hello, I just wanted to let people know about my recent experience with Bank of Scotland Credit card, just incase anyone else is in this situation. I had entered into a Debt Management Plan and was making monthly repayments. When I entered into the plan I owed BOS £13.5K. I have always suspected that some of their T&Cs…
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Must I have a basic account-been offered a standard current account?
Hi all, So step change advised that i get a basic current account away from my banking creditors so i applied to lloyds. Initially they offered me a basic bank account with debit card etc then they have offered me the classic current account, no overdeaft or anything. Must i have a basic bank account or can i have the…
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Tuesday 5th 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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Avoiding home repossession due to family business debts.
Granted, this is going on in Italy with my immediate Italian family but I would still like to hear how it would work out in the UK and hopefully I can use that to investigate further to help my family out. The story is thus. Many years ago, before the 2008/9 crash my wife and her brother put their names to documents for…
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Rossendales council tax help!
I really need some urgent advice. I have been struggling with my council tax payments since my council tax support was withdrawn and received a court order. I had a letter from rossendales but was then informed by the council that I was actually entitled to council tax support after all. They advised me that they would put…
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My £50 per week family menu - to share
Hi everyone. Whilst on my debt-free-wanabee journey, I've started blogging about all the horrible things they put into our food and how we're expected to eat much less nutritious food just because we're skint. Well, after a year of learning all about food and nutrition and how to eat the best foods possible whilst on a…
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Savings vs debts - while on maternity leave
Hello! I think I know the answer to this, but I've tied myself in knots so much I'm confused now and would like it pointed out to me very obviously please! I'm currently on maternity leave, just started in May. I get a very good Mat leave package from my company - three months full pay, three months half pay, three months…
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Monday 4th 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 need to vent
Dont know if this is going to be an appropriate place to post but just feel the need to vent really..I split up with the father of my children 4 years ago and 28k in joint debt..he decided to avoid all responsibilty leaving me to deal with it, on a positive note I have managed to get the debt down to 14k, but not without…
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Monday 4th 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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ex partners debt and application to register a restriction
Hi Than you in advance for taking the time to help.I have no debt as such so hope this is posted in the correct place. I will try and keep as brief as possible. In October 2001 my partner left me.I was left with 3 children and the mortgage .The lender for the mortgage would not let me take on the whole loan as I only…
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Slowly but surely debt free wannabe.
I have two major debts: A shopping account with debt of £1000 (credit limit £2500). A credit card with debt of £600 (credit limit £3500). On the face of it, it does not look that bad, but I have constraints: 1. They are high interest accounts (around 30-40% APR). 2. My only income is ESA support group each month. On the…
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Sent letters withdrawing CCA authorisation...
Payments due to be taken at end of July. Should I be contacting bank reporting card lost to be safe? Or would any payments taken after these letters have been sent be quickly refundable?
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Repaying my debt plan....
Hi there. I currently owe about 2.3k on high interest cards. I am aiming to have this repaid or a good chunk paid off it in a couple of months as I will be getting some money. I need to remortgage. I've posted on previous pages about this so apologies if this post is more suited there. It's about my debt though. For some…
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some advice please
hi, error in posting - admin please delete the thread as i could not see how thanks
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DMP Help
Morning all, I'm finally biting the bullet and setting up a DMP StepChange. I cant let this situation affect my mental health anymore than it already has. My question is this - I need to cancel the PayDays loan payments with my bank so am sending them the CPA form from StepChange. The problem is that no payments have been…
