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LCS / First Utility
Okay - so... I've had the pleasure of receiving a letter from LCS regarding an unpaid debt of £305.08 for 'final usage charges' whilst I was residing at a previous property address. The client is First Utility and the letter states a date period from/to. The dates specified do not even correspond to when I was in the…
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Debt management plan - pay off early with lump sum?
I've had a debt management plan for ages now and have been paying a nominal amount at the beginning of each month. This month I had a slight lapse of a few days as was away and couldn't maker the payment, and so predictably Wescot Credit Services has been bothering me with frequent calls (I've now paid the amount online,…
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:) Sat 6th/Sun 7th August - 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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DMP - possible BR
Hi, I'm not sure if this is the correct thread so please just bear with me. My partner has a DMP and has been paying £50 per month for the last 18 months into this through PayPlan, spurred on by me he rang for an update to see how much he owes, it is as follows: 657.98 (paying £1.13 per month), £10k (paying £18 per month),…
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DPP proposal issued - just one query for folk!
Well, it's now been issued, so just waiting on responses from creditors. Assuming all goes well, despite it being hard, it should see everything cleared well before I'd have managed the way I was going. Just one thing I'm unsure on, and I know every case is different, but they obviously have 21 days to respond to the…
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To DMP or not?
I have debts of around £9000. I can only afford to pay the minimum payments on everything each month, meaning that I'm never making a dent in these debts. The main debt is a barclaycard with around £3500 owing. The minimum payment for that alone is over £90 a month. Others are credit cards with smaller limits, a £2000…
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I'm finally debt-free! Husband isn't. Now what?
For the first time in a long time, I can actually say that I am 100% debt free! :T Feels great! I've actually been nearly there for a little while, but only this week did final payments clear, and no need to ever spend on cc's or go into overdrafts again if I don't want to. I am noticing though, is that my current bank…
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Friday 5th August - 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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Credit cards - Debt free wannabe!
Hi everyone. I have £11k on one CC (I pay monthly DD £270ish) and another £4.5k on another CC (wife pays it monthly £110ish). I really want to get stuck in bringing balance down on these. I don't think I'd get a loan to pay both off, so what else can I do to avoid interest charges on such a big CC bill. Any options greatly…
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Ready for the DFW challenge - what's my options now?
Hey, I've come out of a long slump of feeling low, out of control and feeling completely helpless. I'm ready to take control of my debt problem. I am self employed, my take home pay can range from 1500-2000 per month, and sometimes I have income that isn't coming in on time. But I see that improving over the next 6 months,…
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Court Bailiff Wrong House
Hello, Me and my fiance and 2 year old son privately rent a property and we have been here for almost 4 years now. A private delivery driver posted a letter through our door from HM Courts & Tribunals Service (County Court Bailiff). My son opened the letter, which was addressed to our house but the name of the addressee no…
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Is there a template letter to ask creditors (DMP) to amend date of default?
Hello Checking our credit files and all our accounts were defaulted in 2010/2011 but for whatever reason Co-op waited until 2013 to default our accounts. I have payment history showing our payments to them as part of the DMP from 2010 onwards, so now will write to them asking them to move the date of default in line with…
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Robinson Way Advise
Hi one of my debts has been transferred to RW, wonder what they are like as they asked a lot of questions when I made contact with them. Anyone else had dealings with them. Thanks
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asked to repay overdraft
Apologies if I am posting this in the wrong place. I have just been asked to repay the overdraft on my Santander graduate account and was wondering what will happen next as I can't pay it off in one lump. I moved to Spain last September and notified Santander within a few weeks, at that point I had a £2000 overdraft limit…
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Thursday 4th August - 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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How to remove a CCJ - Not normal CCJ
Hey all, I made some mistakes years ago, learn't my lessons over the years however... I did a bad thing back in 2011, where I had a store card with 'Burton' Menswear, which was owned by the 'Arcadia Group'. Anyway, despite having that card with a £100 limit for years, I had a balance of £98 but in January 2011 when I moved…
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In-debt to debt-free to saver - Help!
Hi everyone, after a long and difficult journey of debt I am now in the very fortunate position where I will be able to clear the remainder of my debts by consolidating it into my mortgage. I can go around the houses and say, oh yeah that bit was because of the wedding, or that bit was because I went to uni, but basically…
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LCS? Ignore or follow up?
Hi there, I'm hoping someone can offer me some advice. I received an odd email from British Gas around 3 weeks ago saying to contact them RE owed money of around £70. I haven't held a BG account for well over 18 months, and paid anything owed in full. My credit file said settled and that was that. I've now moved address…
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Looking for some light at the end of the tunnel
Hi, Im writing this on behalf of my partner, she's having some debt trouble and we are trying to find the best way out of it. She has debts mounting upto £25000, this is one loan with TSB for £11500, a Barclaycard with £5500 and I have £8500 of her credit on an interest free card. This has mounted up over many years,…
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Weds 3 August - 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…
