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Stuck in a cycle with credit cards
How can I sort my credit card debt? I have two cards minimum payments being paid each month sometimes a little more. Both are taking charges for protection I don't need as that is covered by my employer. I know this is out of control and have been trying to find a solution by refinancing with a lower interest card or loan…
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Debt management plan and moving abroad
My partner and I are both on a debt management plan and are thinking of moving to Canada. It's not to avoid our debts but simply to be with family. However it does make us wander if our debts will follow us there? We do have equity in our house that we will release if we were to sell it. The money would help us to buy a…
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Default notice from Lowell Group
Hi I have just checked my experian credit file and have had a default notice placed on there for around £100. I have had no previous dealing with this organisation and I would really appreciate any advice on the steps I need to take to have this default removed. Thanks Mark
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Default notice.. HELP!
Hi all, I'm currently in a DMP with stepchange and all is goinv well. I received a default notice yesterday from my largest creditor (owe £16k) and it states that I'm £2500 in arrears. They will more than likely pass my debt on however I am obviously unable to pay these arrears in full. Do I just keep paying my DMP as…
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Debt letter advice
Hi all, Years ago I had a lot of debts build up and I had 3 ccjs. I was paying these for a few years. I was then set to move house so I informed them all of my new address and was still paying and letters I was sent were to my new address. I then had lots of letters from companies saying that they had now taken over the…
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What happens next? Advice please
Im hoping I could have some more of your advice please. I posted a few months ago about doing a cca request on my 3 loans, 2 of which had been passed to debt collectors. Thank you all for your helpful advice. The two that had been passed to the dca's didn't have ccas so I have stopped paying my dmp through step change. The…
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Sat 2nd/Sun 3rd 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 Arrangement Scheme - Realistic time until first payment?
Hi folks I'm about to send away my forms to enter into a Debt Payment Plan (DAS). I want my repayments to start after I receive my salary at the end of August, as I've just made all the payments for this month, therefore I'd like a wee bit of breathing space before this commences. Can anyone advise if this is likely to be…
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Settlement with Barclaycard - but they're still chasing me?
Hello there, First of all many thanks for the great advice I was given here a few years ago. I was in a real state with my finances due to a bit of bad luck and I came here when I was in a very bad place. I'm glad to report that together with your members' advice and changes to lifestyle I'm debt free - keep going folks,…
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What is a DPP?
Hi, I'm currently on DMP, what is a DPP?
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Partially satisfied
Hi, One of my creditors who bought a debt which hasn't defaulted has accepted my full & final offer, but they said because it hasn't defaulted the loan will show on my credit file as closed but 'partially satisfied' What is the impact of having 'partially satisfied' vs 'fully satisfied' ? Thanks.
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So alone in life
Hi everyone I am not sure if this is the correct place to post so if not please feel free to move. I haven't really been on here much and am scared of someone working out who I am as I really can't have anyone find out I am posting on a forum but my reasons are for totally alone feelings with no one to turn to. I'm just so…
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i am so scarred - not sure best thing to do
I am scarred of the unknown as .... I am self employed so my income isn't as secure as an employee.....my son leaves full time education this yr so at the end of august I will lose my widows pension and child allowance and tax credits....which is a massive loss in income for me. At the end of august I'm scarred I am…
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Friday 1st Juky - 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…
