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Big debt. Any advice appreciated.
Hi everyone. I'm currently in a shared ownership property but would love nothing more than to have a full mortgage, but the downside is I have built up a substantial amount of debt. The plus side to the debt is that I'm in control of it and I haven't ever missed a payment and I have a little disposable income at the end of…
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Budgeting Advice Please
Hello Not sure if I should be posting here as I'm not in debt. But that's not to say I don't understand the struggle....I went through a DMP years ago when my marriage broke up (and I paid for the privilege!) Sorted me out though, so I mustn't complain. Anyway, I recently posted on the pensions forum about cashing in a…
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Joint car finance and a bad break up!
Good evening, Sorry if this is the wrong place to post, I'm new! I am hoping someone can help me shed some light on an issue for me please? So my husband and I parted ways once I got fed up of his temper and controlling ways. I wasn't allowed to have anything to do with the finances, my wages went into a joint account, he…
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Full & Final Offers
Hi all, Firstly, many thanks for taking the time out to read and help! I've posted din the Bankruptcy forum as I've been advised that Bankruptcy is the best way forward for me. However, I would rather tackle my debts in a different way. I currently pay £500 per month interest on the following: Barclaycard: £7000 Barclays…
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Oh to be debt free - a dream or reality?
Thank you for reading and those who commented for your help. I have decided to remove my information as I felt a little over exposed but really thank you for your advice.
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way of life change
HELLO EVERYONE! I have been looking on this site and forum for well over 12 months but finally decided to join the forum and get involved in the money saving/debt clearance talk! Im 32 and have been in debt since I was 18. Old habits die hard and I have a horrible cycle of paying off debt with more debt whilst…
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Dinah dog bites back
Hi - I would be really grateful for some help sorting out my current position. Here is my Soa and I will post some details below, many thanks Updated SOA Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 Number of children in household......... Number of cars…
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Hello! i'm new but determined!
Hello everyone! This year I would like to seriously get my finances under control. I'm sick of having to turn down things because I don't have the money. The reason I'm in debt is due to a lot of reasons but there is no point in going into that, I need to look forward! My situation isn't as bad as some but I want to get it…
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Council Tax Court Summons for late last payment of year?
I went to the council office earlier this month (7th) to inform them that I wouldn't be able to pay this month's council tax until the 20th which is when I get paid and have had two reminders for other months already so knew the next letter would demand the whole year's payment so I went in to explain and the man said…
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6 year old default with O2 inc new CCJ from Lowell
Hi guys, I had an account with O2 back in 2010 which I defaulted on for the amount of around £1100. I had a default on my account with Lowell for around 5 years and then in September 2015, they put a CCJ against my name and credit report. I never received any CCJ letter because I moved abroad from July 2015 until December…
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CCJ not satisfied welcome finance
Hello First time poster, but a frequent back seat lurker. I stupidly took out a loan with welcome finance in 2010, all was going well until I lost my job in 2011. To cut a long story short I defaulted, was taken to court and had a CCJ for £4300 in 2012. I paid this off in full after 6 weeks. I've now just checked my credit…
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Mental Health / Gambling
Hi all, First of all, I'm a little desperate, and I'm here to gain some constructive advice. What I've done is shameful, and I've seen a lot of responses on this website where people are chastised and told "It's your own fault" etc. I'm aware of my wrongdoings, but I don't want a lecture. I want some genuine advice. It…
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Barclays Partner Finance
Hi I have 3 items with Barclays partner finance - I stopped paying all 3 at the same time and stepchange paid the token payment plans. I have just checked credit file and they defaulted one of them April 2016 but the other 2 are showing as late payments still. Can I write to them and request defaults?
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Debt Collection/Robinson Way
Hi all, This might be a long post so please bear with me. I have some old credit card debt for £940 that has gone unpaid in a hangover from my mis-spent youth. For that past 12 months or so I have been receiving occasional phone calls and letters from Robinson Way urging me to contact them, start payments etc. Today I…
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Q: How long to improve credit rating
Hi all, I am back after being debt free then behaving badly again...LBM = my credit rating is smashed. I have a mortgage due for renewal in two and a half years and my main concern is that my credit rating is terrible. This looks due to a few inconsistent payment marks on my credit card, being very near my limits and not…
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CCJ Setaside chance
Help needed.... CCJ appeared on my credit file with Experian long and boring story so won't go into details Didn't have any idea about the dept..papers sent to previous address..now the company who sent it were in contact with me at the address I lived at but at no point did they ever mention the above unknown ccj issue to…
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CCJ Setaside chance
Help needed.... CCJ appeared on my credit file with Experian long and boring story so won't go into details Didn't have any idea about the dept..papers sent to previous address..now the company who sent it were in contact with me at the address I lived at but at no point did they ever mention the above unknown ccj issue to…
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Help with debts, possible IVA
A year ago I moved abroad funded by Family, I was in an IVA which will have now failed. I am 66 and until recently could not envisage ever having anything more than my state pension for the rest of my life, so put my head in the sand. I have now been given an opportunity which would allow me to do an IVA again. So my…
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Help please - credit check for employer
I am so embarrassed about my past history, please don't judge, I am already ashamed and trying hard to put it right. Anyway I have been offered a job for a large financial organisation after months of unemployment. The offer is subject to a credit check. The job doesn't involve me handling money but they do the same check…
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Help needed with SOA
Right, I'm in a bit of bother, I've just had my lightbulb moment (after for the first time being unable to pay all of my bills this month, doubled up with a letter from a DCA for an old electric bill). I've had a look through this thread but didnt manage to read all 218 pages. I've gone through my SOA and am not bringing…
