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Reduced settlement amount
I've been making regular payments to Wescot for an old overdraft I had years ago. There's about £1000 left to pay but they've offered me a reduced balance if I can pay it quicker. I understand that this will show on my credit file as "partial settlement" rather than totally settled, so is that a bad thing rather than a…
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dca replied with cca details
hi, thanks in advance for any help given. I have received and replied to letters from llowel who have purchased a debt from very (addittions) I requested the signed cca using the letter template from this site (which is great by the way) and followed up with the 30+ template. They have finally produced a cca with my…
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Agency violating data protection?
Hi all, Just wanting some advice please. I am annoyed at an agency who I feel have violated data protection. They have called my home phone and spoken to my mum (I live with my parents) and they have given her details of why they are calling - the agency name, the company they act for and reference. I feel this is a…
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DMP Offers Rejected
Hi there, Hoping someone can help put my mind at rest. I've been on a DMP with Payplan for 3 years. I recently had my annual review and (as I've done every year), increased my monthly payments. I recieved an email from Payplan earlier with the outcome of my offer to creditors. Barclaycard and Link Financial had accepted my…
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Thursday 11th 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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Thursday 11th August What Small Debt Free Wanabee 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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Paying off debts and Stepchange
Hello All I am a long time lurker but first time poster looking for some guidance. My hubby and I started off with around £36k of Debt :eek: with stepchange's help we now owe approx £8660 :T My question is as the debts are now decreasing can I phone the creditors directly to get a full and final settlement and then pay it…
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Received debt collection letter
I received a debt collection letter 2 days ago. It is related to an online transaction from a business seller in a EU country which took place a few months ago. The item was faulty on arrival so I opened a dispute with PayPal and won the dispute without having to send the item back as the seller wouldn't agree to pay for…
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Attachment of earnings on CCJ
Hello I was wanting a bit of advice, I have a CCJ that has just dropped off my file for a Credit Card my ex husband used during our break up. The CCJ has an attachment of earnings on it and it's taking £50 a month from my wage and as a single parent trying to pay that, the mortgage and the bills is very hard. I'm not…
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Had a blip, in a month things will be better again - but what to do in meantime?
I have royally messed things up for myself - basically wound down a company I was running to focus on my job and job search in the same field as otherwise I had no time to even sleep properly so couldn't progress at all, but the job hasn't been paying me enough to support myself. It worked - I now have a new job starting…
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Cca
Hello all, this is my first post after lurking for years! We are currently 4 years into a DMP with Stepchange but still have about 4 years to go. I am now thinking of trying to organise some full and final payments but after following this forum have been reading about CCAs. What are they and how do they work? Some of our…
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Help- How did you have your light bulb moment? or... what does it take to change...
I've always been pretty good with money. A little while ago I decided to make a career change and borrowed on an interest free card. I'm storing up cash in a savings account to cover it, and at the moment my owed balance is less than £1,000. My boyfriend is a whole other matter. He has cards and cards, can't tell me what…
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Wednesday 10th 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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Old Citifinancial loan that keeps getting sold
Hello! Hoping someone can help please. Twelve and a half years ago I took out a loan with Citifinancial. it was for £6.1k. (As I recall it was a loan rolled into another loan) with stupidly high payments of £238 a month, with only £89 a month coming off the balance and the rest being interest and PPI. Eleven years ago I…
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Robinson Way
I'm not sure if I'm in the right place (apologies if not), but I'm interested in seeing what Robinson Way's online capability is like. Is anyone currently managing an account via Robinson Way, has used or can access their online capability and willing to help me out?!
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In debt and scared.
I'm new to this....and scared. Recently our income has taken a battering. We've lost our Working family tax and my wifes wages have dropped due to her employer dropping her wages to the national minimum wage. This is a combined loss of £600 per month. We have CC debts of £22,000. We also have various loans of £18,000…
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New Debt Free Wannabe Looking for help xx
Hi all, Here's my Budget, the overspent is in mortgage and personal loans I have in Uk and India, I'm repaying them as per the installments on time but feels like never ending process :( Please help... Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . .…
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How much to charge my lodger (boyfriend)?
So hypothetically, if my boyfriend moved in with me how do I work out an amount to charge him? I own the house (with a mortgage) and my 2 teenage sons live with me. I don't want him to go on any bills (apart from council tax of course) and food would need to be included in the amount. My council tax would go up from £90 to…
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:) Tuesday 9th 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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£2000 overdraft and "repayable on demand" concern
So for context, this month I set up a £100 overdraft that I ended up having to use for a rare occasion, but this was feasible as my current account (FlexOne with Nationwide) incurs no charges on overdrafts and I knew I would be debt free in three weeks anyway since I get paid from a weekend job between £150 and £200 a…
