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Money Management Education
Hello DFW's, ive been reading this forum for a few weeks now and only recently ive realised ive spent the majority of my working life in one for of debt or another. i'm only 31 so plenty of time to enjoy not having debt, but thinking back to all the money i wasted im trying to think of reasons how i could have had so much…
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Out of DMP, can't shake the overdraft
Hi everyone. Would you be willing to take a look at my SOA? I completed the DMP I had in place about 2 years ago. I had £2000 of overdraft which I never included in the DMP. Things are now beginning to creep backwards despite several attempts at putting a plan in place to clear the overdraft things keep getting worse. All…
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Moment of realisation **Advice please**
Hi, just a quick introduction and then straight to the point. I'm a 23 year old welder who earns between 21 - 30K P/A depending on workload and has amassed debts totalling 20K+ in a period of 2 years. The bulk of the debt is on a HP loan for my car, £12,000 (£6500 for car and £5500 interest) please don't ask why APR is so…
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Help Needed - NFA and ongoing debt
Hi all, I'm after some advice about my situation and how best to deal with a few things. To give you a bit of background, I've been in a spiral of debt for 8+ years and having (finally!) managed to get a handle on it all, everything went wrong a couple of years ago. My wife and I seperated and I've been unable to make…
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Marston Holdings Visit
Apologies if this is not the correct forum but two burly gentlemen arrived at my property from marstons holdings they were quite aggressive in their approach. Anyway this is for a court fine issued to my son for a driving offence but he left over a year ago after a family dispute. All the letters I receive for him go back…
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Hi Can I challenge this OD - bank charges?
This morning I have received a letter from HSBC Assitant General Counsel. It says I owe them £12k but they would take 9k in 10 days in full and final settlement. The debt I think is for an OD on a personal account. When it hit £3k overdrawn (2005?) they stopped me from using the account and bounced every DD. They continued…
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:) Monday 8th 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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4 CC's, childcare, mortgage, bills etc, need help.
Hi all, I need some advice on sorting out my debts. These are the following debts I have personally: 4 CC's totalling: 28K OD: 4250 My wife and I both work full-time and have a 7yr old in school and a 22month old so we need childcare. Older one has breakfast and afterschool clubs at £55 per week and the baby has full-time…
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tiny steps .
posted in the wrong place :/
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A bit of help/advice please
Hi there - new to the forum.. I have debts dating back to 2005, totalling approx £20k. I have not been in contact with the bulk of the creditors since at the time I didn't have means to make any arrangements. Anyway, I'm now trying to improve my credit score so that I can apply for a mortgage now and discover that none of…
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CCJ's - Living with & Life After
Hi All, I'm not sure if i'm in the right place to ask this question so apologies in advance, if so. Cut to the chase, basically i've got myself in a royal old mess financially. Combination of relationship break up, everything that comes with it & burying my head in the sand not facing the problem head on, hoping it would…
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Advice needed re closong credit cards etc
Hi all! I've finally become debt free!! It's been a long journey but got there in the end! I need a bit of advice now about my credit cards I have.... Aqua limit £6500 balance £0 apr 34.9% Marbles limit £1500 balance £0 apr 34.9% Clydesdale CC £500 balance £0 apr 0% until August 2018 Santander overdraft £2500 not using So…
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urgent help needed
Hello all I have a credit card debt of £300 now £420 with court cost, i disputed the date and said it was statute barred and they have entirely disagreed with the claim of statute barred, they said Last payment to the account were on 07/06/2010 and started proceedings against me on 23/06/2016 they have sent a N9A form and…
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Help and advice please....
Hello.... I am due to start a DMP with Stepchange as I have debts of 38k to 18 different creditors... I have gone with a DMP rather than an IVA after discussion with the IVA advisor.... companies I owe include Barclaycard, American Express, Very, Littlewoods, Capital One, Lloyds, Bank of Scotland and i have a personal loan…
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Consolidation loan?
I have debt of approx £9.5k on credit cards and overdraft, I am considering getting a loan with Sainsbury's Bank, so that I have just one payment to make every month, instead of paying money (two direct debits) on two credit cards (both 0%). I regularly just do balance transfers, and I never come out of my overdraft…
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Court papers received from Howard Cohen
Hi All, I have recently received court papers issued by Howard Cohen in respect of an old credit card debt with Barclaycard. I have spent the last 8 years trying to clear debt etc and am finally getting a decent credit rating. I made a request for a CCA over 6 years ago which Barclaycard could not supply. I have not made…
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Never have any luck with vouchers
So tired to use the coke zero voucher from Martins email with my food shop this morning.............caused lots of confusion at tills then was refusee "it expired on 27th June" even though my voucher clearly has expiry of 18th August written on it. I never seem to have any luck with vouchers and get terribly embarrassed…
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Steochange unable to make payment
Hi everyone, Quick question please. My three Natwest debts have gone to Wescott recently and when I've checked on stepchange only one has been paid this month. There is a message saying that 2 credit cards are on hold as stepchange are unable to make payment. I will ring stepchange tomorrow but curious to know why one has…
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Which debt should i pay off first?
Hey Everyone I'm new here just signed up I'm ready to start clearing why debt and I'm just unsure of which I should pay off first I have 4 Debts Capital One Credit Card - £1389 Balance, £1500 Limit, 30.34% Interest Vanquis Credit Card - £1395 Balance, £ 1500 Limit, 39.9% APR TSB Personal Loan - £3152 Balance, £29.9 APR…
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Default date over 5 years ago but still paying off
Hi, I am finally at the end of paying off my debt, I only have another 4 months payments left of over 5 year journey! However I am unsure what happens at the end, the default dates on my debt rangers from July to October 2011, which means that I will still be making payments after the 5 year period (albeit by only a couple…
