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What small DFW things will you do this week? w/c 16/01
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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Claim Form: Robinson Way, Hoist (Barclaycard Debt) & Howard Cohen.
Hi everyone, I apologise in advance for this very long post. I want to make sure that I am doing the right thing and would be grateful for any advice. I received a claim form from the Northampton County Court Business Centre which was issued on 21st September 2016. Howard Cohen & Co on behalf of Hoist Portfolio Holding 2…
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Credit rating recovery
Hi All, My husband and I want to buy a house in the near future, preferably in the next 18mths. We looked into things last year and realised that his credit rating was very poor to say the least (250ish). My credit rating is near excellent (920). He had a number of defaults and CCJs, when he got into financial difficulties…
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Help with DMP
I am in the same position, and am looking for help myself. Maybe we can settle each other down? What I want to know is, My DMP has come to an end, I still owe a lot of money, I was told that they can no longer act in my best interests and advise us to go to a free DMP. Will a new DMP (Debt Management Plan) take us on with…
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Removing a secured debt from land registry
My ex bought a car and secured the debt on the property 10 years ago. After court cases and struggling with debt caused by him, our property was transferred to me but I am now in a situation when his car debt is registered as a charge on the land registry document. I am not planning to sell but I'm in a process of a new…
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New to this need help about creditors please
Afternoon I'm now looking to sort my finances out. At present I pay the minimum to my old debts. I want to try and pay them off but not a clue where paper work is (Naughty I know) Is there a way I can find details of account numbers etc. Thank you in advance
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Starting fresh for 2017
Yes, I know it is the 15th of January - but have had a nasty flu infection since just after Christmas and not even had the strength to sit at my computer. I had not updated my Snowballs since August and payments had been all over the place (I was selling stuff on Facebook/Ebay, so had made extra payments to my highest…
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Account with an old debtor
Hi, I am in a DMP which is now coming to an end, and will be finished very soon. I want to open a help to buy ISA as I havw worked hard to repair my credit rating and want to buy a house soon. I can see that Barclays have the best rate of interest on the help to buy ISA. However, Barclays were one of my debtors - although…
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Debt/Housing situation
Not sure if I am posting this in the correct part of the forum, so please forgive me if not. There might be a straight forward answer to this/I can't see the wood for the trees. I am in a bit of a tricky situation after a couple of very tough years (loss of business, relationship and bad health issues) Rather than an…
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Judgement for Claimant (in default) Advice
Hi All, kind of new to this been getting annoying letter from lowells for months but finally i got a JCF letter today i understand i should have got some sort of claim form first but i have not? i have some pictures added on, i am wanting a mortgage in the future and dont want to be effected can anyone help me? thanks
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Desperate for some advice.
Hello, I'm hoping you may be able to help. We are a couple with lots of debts, a business that makes money but has debts, and I have a job. Our store card and credit debt costs us £900 at least per month. And quite simply we have been using the money from the business to afford it. Business has gone quieter (for now…
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Stepchange Query
If you decide to use Stepchange can you pick and choose which creditors you want included in the dmp? For example my car is a priority debt and I'm working hard to clear the areas. My creditor is happy with our arrsngemt. Could I not include this debt or do you have to list everything?
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Removing CCJ from credit reports
My partner has a CCJ on her reports. From what can be ascertained she had a debt while at a previous address. Ultimately she somehow (doesn't recall) received notification of the CCJ at her current address. From calling the courts the information I have is.. CCJ issued: 8/7/16 £525 CCJ marked as paid in full, direct…
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Full & Final advice- Can Capital One do this?
Hi I hope someone can help or advise me. I recently negotiated a f&f settlement figure with Capital One and got this in writing. I forwarded the funds and they were applied to the account. I then sent a secure message to clarify things and I had a response back to confirm that that the account will be shown as partially…
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CCJ Suprise now Charging Order
I am hoping someone can help me with the below. I have a default for around £3k which was initially for Capital One and which is now showing on my credit file as Caboot. In 2016 I received a letter from Mortimer Clarke Solicitors to say they were going to take me to court for this so I followed the link in the letter and…
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In a bad situation, don't know what to do
Hi everyone, It's pretty tough to be here, I've gotta be honest. I've racked up a lot of debt, mostly in the form of loans, which I did to get by after I lost my job in September. I've just got a new one and I start next week, with a salary of £35K. To be honest though, I didn't have good money habits even when I was…
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Letter sample to creditors offering payment
Hi, Apologies if it is obvious but cannot find a link to letter templates. I have done an income and expenditure form and now I need to contact my creditors making an offer of payment. IS the such a template letter? Also I was told that once I make the offer in writing I should start paying it even if they dont accept it?…
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Options?
Hi guys, I was interested in some advice from the more financially savvy than myself. I have racked up quite a bit of debt, I’m currently in the red to the tune of £12000. The worst part is that it is spread across credit cards, overdrafts and loans, a proportion of this is on a high interest credit card. There is a number…
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Catching up with Payments
I got myself into a situation where I missed a couple of payments on one thing, to pay for another thing (usual scenario) I have contacted all my creditors and arranged to continue my normal monthly repayments plus pay back the arrears on top until I am straight. My question is - on Experian I now have a couple of missed…
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Most severe unsecured debt you have encountered?
Hi Folks, What is the most severe case of unsecured debt that you have encountered/heard of? Mine was 55K at the start of last year and felt like the end of world. I am in to the 30K's now which still feels pretty bad, but obviously better than last year!
