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Spending Large amounts of money while depressed
Hi everyone This is one of my first posts on MSE and a very sensitive one for me. Recently I had a visit from a company who I asked to come and show me their range of shutters and blinds. All very nice and to cut a long story short, I committed to buying nearly £3.5k of roller blinds and shutters for my tiny two bed…
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Council tax
I used to live at an address which consisted of two rooms in a house and shared access to kitchen toilets and shower room. In 2009 I applied for housing benefit, and following a visit from someone from the Council to verify I lived at the address, was awarded both Housing benefit and Council tax benefit. I had not applied…
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Debt sold on - new DN issued???
Hi all, ok I'm new here (this part anyway) so please bear with me. I entered a dmp with stepchange in December 2014 as my debts were running away with me and have been faithfully sticking to the repayment plan ever since plus increasing my payments when I could. I had a letter from BarclayCard on Friday telling me my debt…
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Harlands CRS 😬
Hi, I joined my local gym last year and after a few months stopped using it as my circumstances changed so I cancelled the direct debit in order to cancel, I had not signed any sort of contract when joining. A few weeks later I had a letter from harlands explaining that I owed the months I had missed. A few more months…
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reasonable amounts
Is there anywhere that i can find reasonable amounts for food etc that are acceptable for my interview with pay plan
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What will have happened with the debt collection PayPal forwarded some debt onto?
I'm just curious and in no way in any trouble, but I'm curious and have been for a while. So around April 2015, I was the victim of fraud. I lost nearly £1500 to a gambling website that I had used before, only this time it wasn't me. The majority of the money went through via PayPal and the remaining few hundred came…
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Account marked as settled but Wescot asking for payments
I have just completed a credit score (thanks MSE for the link) and discovered my original loan balance with my bank is shown as having been settled / satisfied nearly six years ago. However, they passed the debt management onto Westcot who I continue to make payments to. Westcot have just offered me to make a partial…
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Where is my debt? Has it been refered to court?
I have a debt with a collection agency , and ever since they've had it, I was getting letters literally every single week about the debt, and they kept this up for ever such a long time....I buried my head in the sand for a long time as the letters just kept coming through and through, week by week. I finally decided to…
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Attempting to remove Default - o2
Hi all, I'm not sure if i'm posting in the right section here, but am looking for some advice. I have a default on my credit file from o2. I have been having a terrible time recently with depression and other illnesses which led me to temporarily ignore my finances , stupid I know but when sometimes you feel like…
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Cabot - Your credit file indicates that your situation may have changed letter.. HELP
Hi All, I REALLY hope someone can help me :( . It's been a while since I've been here @ MSE... It all started when my father had health issues about 8 years ago and I ended up buying the family home. I raised as much money and before I knew it I was up to debt to my eyeballs :eek: It's been over 7 years since we completed…
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Full & Final Settlement Advice
Hi everyone, I am now in the position to make full and final settlement offers to my 5 creditors.My total debt is just under £30000. I have been paying them since 2008 a monthly amount through Payplan,but lately I have missed 4 payments as I can't manage them anymore. My mother has offered to help but the maximum she can…
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Old debt
Hi everyone I racked up a quite a lot of debt 5-6 years ago when I had just finished university and was unemployed for a while. Unfortunately I then just buried my head in the sand and made the situation worse resulting in 5 defaults. After getting my life together I have now paid off 2 accounts in full and am on monthly…
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Radio 5 @ 12.20pm - Martin talking about 'breathing space' for those in debt crisis
https://twitter.com/MartinSLewis/status/790506069814542336
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What small DFW things will you do this week? Wc 24/10/16
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 Free Living
By AnnaNewellJones Has anyone else read it? Started practising the principles? This is probably the only thing that has worked for me, as it is so simple, as I'm not good at budgeting. How it works? Decide what is a need (food, roof etc..) and a want (new clothes), only spend money on needs. It is super hard, but I'm…
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Council tax/bailiff
Hello Is this where I would ask about a council tax debt being passed to a bailiff? Thank you
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Avant credit
Hi I've just started a debt management plan with step change. Every single creditor has been fantastic apart from avant. I've emailed them 4/5 times to give them the information and it just gets ignored ! I was wondering if anyone has had a running with these guys?
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Lloyds Bank/APEX/Moorcroft - Chasing Settled Account
Hello I need some help & advice in relation to a letter I have just received, purporting to be from Lloyds Bank. In the letter, they inform me that I have failed to come to an agreement with them over a debt of just over £150.00 & that they have passed the matter to a debt collection agency named Moorcroft Group PLC. I did…
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Two debt collection agencies for dual fuel 'debt'
Hi All, I received a letter around two weeks ago from a company called Wescot regarding an overdue payment on an Npower electricity bill from 4 and a half years ago for the sum of £162.70. I had moved out of the property 4 years ago and as far as I was concerned the account had been settled and the bill was now in another…
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Back2credit
Hi all, I've been contacted by a company called back2credit saying they can put me on a debt management plan. This is something I was looking into anyway as I'm in a bit of a mess but I googled the company when I came off the phone and couldn't find much. I haven't signed or agreed to anything or given them any bank/card…
