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Joint debts
Hello. I have a question, I am pretty sure I know the answer :( Some of my debts are jointly responsible with my ex husband. Really I think they should all be his because they were for the business that we were both Directors for and jointly owned the business. But I had to go to work and earn money. Because I didn't trust…
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How to stop living off my credit card??
Hi, I've got an MBNA rewards card, which I have after quite an expensive year, have ended up living off. I pay it off in full each month, but I then have zero cash, so all my spending is on my card. I struggle to budget as I don't realise how much I am spending (and I want to start saving!!) so would rather eliminate the…
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2017 Debt Free Wannabe
Hello and Happy New Year Everyone, I thought after a long time reading posts on the forum that I would post and with this statement publicly declare my intentions; This new year, my resolution is to become better with my finances and become debt free. I have always went with the flow and spent money carelessly. I have a…
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24.. Clearing Debts
Hey everyone - newbie here. Here is my story. At the grand old age of 21 I started my downhill journey into debt. Firstly catalog accounts, i'd order shoes, clothes, tablets, I couldn't believe how easy it seemed, buying all of these things without any money leaving my account! I'll think about it later I thought, plenty…
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Please help me if you can... 80k of debt!
Hi all I'm mid-twenties and have around 75-80k of unsecured non-priority debts. This is down to gambling and I've posted here a while back. I'm at my wits end and don't know where to go... I think I just need some reassurance and top notch advice, please... The debt is spread across around 16 creditors (loans, payday loans…
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Fidelite call on door
Hi just had a door step caller from Fidelite who said he was recovering a debt from the funding company, I have lived in my new house for 7 years and never paid or acknowledged any letters from them is this debt statute barred
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Fidelite call on door
Hi just had a door step caller from Fidelite who said he was recovering a debt from the funding company, I have lived in my new house for 7 years and never paid or acknowledged any letters from them is this debt statute barred
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Visitor from Fidelite
While I was at work today I had a visit from Fidelite Credit Management. They left a calling card telling me to contact them. All of my accounts on my credit file are up to date or settled, I did have some old debt from before I was ill that is over six years old and from what I understand is 'statute barred'. I'm worried…
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how to get debt free if in a plan
i have a debt management plan for some loans and credit card, i also have one for my mortgage as i have arrears, but my mortgage is currently interest only how can i start clearing my debts on these.
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DLC letter - REFUND?!
Surely this is a scam?! Many years ago I was in debt, heavily so. But 7/8 years on and I'm now completely debt free, credit report is clear and I even have savings. So when a letter dropped through the door saying it was from DLC I shuddered, until I read it and it stated; Please be advised that this account is closed and…
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Engaged and in debt
Hi all I have been on and off these board for a long time now and thank everyone for their help so far. Over the Christmas period me and my boyfriend got engaged (totally out of the blue) I am really excited to be engaged but part of me is worried about how the heck we are even going to pay for a wedding when we are about…
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Settlement offers refused - need advice
Hi everyone I have had a DMP with SC for 18 months now since a separation left me with all the debts of the marriage and have paid a chunk off (12k), but still got 4 years and £33k to go. I have been managing on my own but just today come across this forum and so fantastic to find others going through the same. The rest of…
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How do you manage your joint income?
Hi All, I have been an avid reader of the forum for some time now, however only just set up an account... so hello to all! myself and my wife have recently purchased a house and took out a personal loan to renovate it... because of this, we have had to really tighten up our finances and have followed the advise given on…
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Did you get Debt Free in 2016? :)
Don't forget to add your name to the Debt Free Roll of Honour and get your Debt Free badge! :) We all love hearing about your journeys and as a forum oldie/regular/grump I get really excited to see all you people with your Debt Free badges! :D SO fess up! 2017 will be MY Debt Free year! I've decided that although my debts…
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I'm Back - and better! Final Push to Go...
It's the start of a new year, so as per every year I take a look at my finances! When I first joined this forum, I was in £8000 of debt with no savings and no others assets. Not any more. My current situation is.... Debts Credit Card: £5,500 Assets Savings: £3,500 Stocks and Shares Portfolio: £4,600 I've been there and…
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help please with debt collectors
hi all happy new year! hoping to get some help from the experts on here. we are in a situation where some building work (loft conversion) we had done is in dispute. to cut a very long story short our builder terminated the contract about 3 quarters into the job and left us with an unfinished home. at the same time the…
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Lodger racking up debts and moved out
My sister had a lodger living with her in a room in her house and she has since moved out but has left nearly £3000 worth of debt. The girl was from Poland and has since moved back home leaving no forwarding address. My sister was sending any mail back 'return to sender' but decided to open one of them as it was marked…
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Never ending DMP
Hi I'm looking a bit of advice. I started my DMP in September 2011 with StepChange with debt of £69k. Over the past 5 years I have been making regular payments, not the same every year as my reviews either increased or reduced my yearly payment, but in total I have paid £25k into my DMP. Now this is where I need some…
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Is it ok to go it alone?
Hello Everyone. Happy New Year! I am new to this site but would welcome some feedback on my situation. My wife and I have been married for 3 years but together for 12. We both lived very independent lives before we met and we both decided that we would prefer to maintain some degree of financial independence after we…
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£45k debt - how?
Hello all, I have been regular poster on here in the past, and paid back quite a lot of debt. Today, I find myself in more debt than I have ever been. I am so embarrassed by my situation here that I have created a new username. I am not exactly sure how much debt we have (not all in my name), I just know that its a lot and…
