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Unsecured/payday loans
Hi guys, So this is my first post and I'm looking for some advice. I have an array of payday and unsecured loans, which as you can probably imagine, involve hefty repayment fees. From mid January-February I'm coming into a substantial amount of money (enough to pay off all that I owe). Im considering calling all companies…
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I have 6 debts, mental health issues and am confused and worried
Back in 2008 I had a breakdown, and amongst other things, my finances spiralled out of control. Recently with the help of a psychotherapist, and Martin's guide about debt and mental health I decided it was time to take my head out of the sand and contact the debt companies. Four debts are being handled by Company 1, one by…
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Bailiff help!!
Hi I'm after some advice as I'm not sure what to do. I won't bore you with the details of how but I have found myself in a position this year where I have had my bank account wiped and had to also replace most of my household items - this left me in a mess with money and I have fallen behind on a lot of things. My query…
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Eon smart meters
Hi I switched to a one year fixed duel fuel tariff about two months ago from swalec, my butty Hado the smart meters put in with British Gas and said about them so I decided to look into them so I contacted EON they gave me a date to change both meters the engineer turned up on the day and looked at my meters then said that…
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Capquest Investment Limited/Shoosmiths LLP
Hi Guys, I am a new poster to this site, so i beg your indulgence in my post. I will start by saying that i am the kind of person that does not deal with debt well and kind of bury my head in the sand and hope it goes away, unfortunately i have learned that this is not the case. Of late i am trying to get things sorted and…
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SOA feedback please?
Due to recent events beyond my control that absolutely derailed my grip on my finances, I've decided that 2017 needs a fresh budget so that I don't get into debt. December is going to be a "catch-up" month, reimbursing my savings of money I robbed to pay bills :o but in January I'm going to start trying the envelope method…
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Overwhelmed
Not sure if this is appropriate for this Debt Free. I felt it was and need to get it out as anyone close to me does not know about my debt, they know I may not have much money. Since I last posted my life has turned really hard. I am just feeling very overwhelmed by all elements of my life, and today I have been barely…
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Roast my SOA
Just putting in place 2017's pay off schedule. Please can someone look at the below and make any suggestions? Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 2One is car lease…
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Advice needed
Hi, This is my first post on here and hopefully the first step in getting my financial situation sorted. I currently owe 20600 and am struggling to meet my monthly financial commitments ie, rent, council tax etc. It hasn't got to the point where I have people knocking at my door but that can't be too far away unless I get…
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debt letter
received a debt collection letter about an old npower bill, but the account was registered to my cousin who shares the same surname as me,but we both lived at the address the debt is registered to they say about taking him to court, why are they sending it to me?? cousin is now in the usa, should i tell the debt collection…
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Lbm has come at last
After what seems a lifetime with debt the edge of the cliff is here :(no running away got to face up to this once and for all .Deep breath get ready to jump in hope one day to be debt free as this demon as lived with us too long it's going to be a long hard road .
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What small DFW things will you do this week? w/c 05/12
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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Advice:
Not sure if this is the correct forum but looking for some advice, am paying back a few cards at the moment and a catalogue, the thing is at the moment I cannot afford to pay much and can just about cover the minimum payments, trouble is on some of them I am paying like £40 minimum payment and the interest is like £35 so…
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Staying out of debt...please share your tips....
I am in the very fortunate position of having been given a substantial amount of money this week and for the first time in my adult life I am debt free (well almost, I still owe 30k on a 1% interest mortgage but as the rate is so low I'm happy to trickle money into that). I have a reasonably well paid job and am so excited…
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Hi interest on cc
Hi I'm new to this, so wasn't sure where to post this. I initially posted in the loans section and got some advice, but some said that it's my own fault. I just needed some advice please. Firstly I should tell you that I'm on a DMP with Stepchange- I have 2 credit cards . One of them has frozen my interest. The second one…
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does Paying off CC over 12 months or get a loan to pay the cc improve credit score?
Hi firstly, sorry for long title. i'm trying to ascertain what route would would improve my credit rating with the greatest ascendancy over a 12 month period. Some background. after many years of cleaning up my credit after many rash years i'm now in a good position but want to improve. i would like to get a mortgage in 18…
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Time to change
For the last 10 years I've slowly been racking up debt, carrying on regardless very much in Denial about the situation, mostly by shopping and interest from credit cards. I live with my partner and our daughter Isabella who is just one, since she has been born I seem to have been spending more and more buying her clothes,…
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Bailiffs fees
Hi there, I have been billed £407 for being in a bus lane, the original fine was £75. I have a few questions, 1. Is that bill even legal, the size of the fees? They claim a £98 driving offense fee and a £75 mandatory fee and then seem to have added over £200? 2. What is it's legal backing? The letter from the Bailiffs…
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What to pay?
Hi everyone Im looking for a bit of advice on how to pay some things, how much to pay and when, because im not sure what will have the most effect on the mortgage next year. I have £15970 in a basic savings account, not earning much interest, and im adding to this by about 200-300 per month from my income. I have a loan,…
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Should I shut down this card?
So, have 4 cards 0% paying off debt totalling around 8.5k. Have 1 Capital One Card with £1000 limit 35% interest - it doesn't have anything on it. Do I close it or not? I'm currently building emergency savings fun, if anything else goes wrong with car I won't be able to pay for it in cash as I'm not quite there with the…
