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Credit agencies experience so far (surprising!)
Hi All, I've just recently started using the credit agencies to follow my accounts a little better. Just wanted to share my experience so far, and ask a couple of questions about it, if others can comment please. I've found it a little surprising I must admit. I've only used Noddle and Equifax so far. As they are the free…
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Rossendales bailiffs
Hello again everybody. Iv been here before but couldn't remember my user name. Please can I get some advise. Today a roseendales ball if knocked on the door, my mum answer as I have moved home to sort my debt out. He handed her a letter stating I owe £407 no information on the original debt chargers or anything. It says I…
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What small dfw things will you do this week? Monday 19th Sept
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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Snowball with 0% credit card?
I am on a mission to be debt free within the next 12 months:eek: I have reviewed the outstanding amounts my loans and because I am looking to pay it off early I will save on interest, which is great. I am aplying the snowballing tactics on the loans, but I while I have been working through it I had anothe idea. I have…
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Adoption- credit checks?
Hi Folks, Does anyone know what financial checks adoption agencies carry out? Will they conduct a credit check etc? Not trying to hide anything but would just like to know in advance so that we are prepared.
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CCA request wording
Hello, I am finally ready to send off CCA requests to my creditors prior to hopefully being in a position to offer Full and Final Payments by the end of the year. I don't think I will be able to afford more than 30 - 40 % so am hoping that a few of my creditors don't have the paperwork required for them to take the debts…
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0%
Hi I have bad debt which is now under control as in I am paying an iva and have been for a long time (nearly there) I am now self employed with an ok income.however i still have a credit card with a bal of 3k that has very high interest. Is there a credit card with a balance transfer offer for bad debtors? I also am in…
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Bank envelope system
We are well on our way to sorting out our finances but the practicalities of budgeting still confound me. DH has wages which are very variable in the amount but paid fortnightly like clockwork. I have three part-time jobs which are all paid at different dates. One job pays on a set date, one job pays on the first or second…
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Help! Need advice on living situation.
Sorry if this is the wrong place for this post but I'm not really sure where else to turn. I'm hoping for some advice and/or suggestions. I've been dealing with debt for a number of years and I'm finally almost clear. I now only owe less than £1000 (was over £20K at one point). I used to live in a shared ownership…
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CCJ's and the 6 year time limit
I found the information below on a legal website called darlingtons.com but MSE won't let me post a link to the site. Anyway, I'm a little confused and was hoping someone could clarify what it means. Where the above paragraph says "county court judgements are usually in force for 6 years" is what's got me confused. I…
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HMRC Debt
Long story short, I'm self employed and haven't done a tax return for the past 2 tax years, for one reason or another...stupid, I know but mostly due to personal circumstances it fell by the wayside and is now back to bite me! I owe around £600 in penalties and need to file asap. Problem is I don't have a record of all of…
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Debt charges refund..
Hello everyone :) My mum recently received a letter through the post from 'Together', stating an account number and that she is due a £149.18 refund due to charges being added up incorrectly. They ask for her bank account details in order for the refund to be processed. She has had many loans in the past from many…
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Inepta Debt free diary
I thought that maybe this might be of some help to others in a similar situation. I've been lurking here for years and in a DMP with stepchange for 6 years but feel like I need to log what I'm hoping will be the last leg of this journey. We started in 2010 with just shy of 30k worth of debt. It had accumulated for various…
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credit card debt
I very foolishly ran up about £13000 worth of credit card debt and i think it is on 20-21% apr so iam paying around the £200 mark every month and this is not going down.It si the minimum payment.I just got accepted for another card from the yorkshire bank but only with a £500 limit and i was thinking of transferring from…
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advice about marbles debt please
Hi, I am in the process of offering F&F to all my creditors but I have a 6 year old debt with marbles that I have been regularly paying through a stepchange dmp. The thing is, they have never applied a default and all my defaults have now dropped off thankfully. I am wondering if I ask them to settle with a part payment…
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NEXT DIRECTORY Inflated Debt
I had a few bad years with debt a while ago but over the last few years things have massively improved and I have started to pay back what I owe. A letter has landed this morning from Debt Managers Services LTD with a Next Debt of £147.46. I know for a fine fact that the debt had around £20 to £30 left on it because I had…
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May have missed debt letters due to moving house, any advice?
Hi all, really sorry if this is on the wrong section of the forum but I couldn't find anywhere obvious to put it. I have work health insurance, as part of this I had treatment at a Nuffield hospital. Part of my plan is I have to pay £100 excess at the end of each year. I started my job in July a couple of years ago so my…
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How do you stick with it?
Determined to stay in the black and on my feet in 3 years!!! How do you do it though? I feel mean saying I'm Not buying so much food out takeaways/meals etc I mean I'll still buy some but it was crazy amounts. Then everyone else seems to be spending as if money is no object and do you sometimes feel a bit tight? How do you…
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To Pay or Not To Pay Using a CC
Hi I am hoping to get some advice I am currently in charge of my DMP and finally making headway on my debts. I owe around the following amounts: Hfx CC/Idem - £4156 - Default date 10/10 barc CDL - £1884 - Default Date 12/10 hfx/marlin - £1102 - Default Date 06/10 next - £802 - AP Status van - £792 - Default Date 12/06 I do…
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Black horse issued default after 29 missed payments
Hi I'm hoping someone can help, I've looked over several boards and sites but cant get it clear in my head what to do. in early 2009 I took a car on hire purchase, in early June 2010 my life fell apart, I had to end a 10 year relationship, walk away from my home, was homeless for 9 months and deemed unfit to practice in my…
