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How can I clear debts once and for all
Hi I've just joined this site, I've never used a forum before not sure how it works so hopebt this is the right place to post... Im feeling like I'm doing my best to pay bits of my debts of month my month but nothing changes interest is added and it just stays the same! I owe 2,400 on a vanquis card (2,500 limit) 800 to…
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PPI from Northern Rock
We had a mortgage years ago from Northern Rock and it seems we had PPI. This is great news as we are in a self managed DMP and things are tighter than Pans People's hot pants. However - one of the debts in the DMP was for a loan from NR but has since been transferred to Kent Reliance when NR was broken up. Does anyone know…
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Southern Water Debt
New to this so please be gentle. I am looking for advice into possibly getting a Southern Water default removed from my credit report. I can't dispute the default but the circumstances and conclusion (me paying) really don't warrant 6 years of not able to borrow a penny! I had bad debts way back in my past but this is long…
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Moving in and bad credit
Hi I have a number of defaults registered from early 2016 and am on a TPP with Stepchange. My boyfriend is in the process of moving in with me. I have been totally transparent about my debts and he is going to help me pay them off by paying me rent - an agreement that suits both of us. This has also meant that I no longer…
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What happens now-sanity check
Hi Guys, Thanks for all your help so far, early days yet, just wondering what happens next, I have sent off recorded letters to all my creditors (14) stopped all my cca & DD payments (confirmed by the bank) filled in my Stepchange remedy tool and received their action plan, I have filled in my application form for…
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Chased for a cleared debt
Hi I hope someone can help or advise? I had a credit card debt alongside various others joint with my partner that due to a breakdown in the relationship I took on myself. I paid each month to a dmp without missing a payment, in 2012 i was advised that all my debts had been paid and I was debt free. 2 years later in 2014…
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Help
Recently found partner passed away. Left with more outgoings than I get on Benefits. Can barely feed myself age 61 yrs. Am now suffering with mental health depression. Lost and need help.
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Do you have to 'tell the partner'?
Title says it all really. I have read lots of posts on here about people having debt that their partner knows nothing about. It was either debt from before they were together, or they have run it up in secret, or as in my situation, it has been run up together but without the partner really realising or paying attention. I…
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consolidation
Good Evening..... I have been a little silly with money for the last couple of years:( and had a sit down last night to go through what I have to pay out monthly. Currently I have 2 x loans with around £2500 each on - couldnt tell you the APR rates but under 10% these have another 2 years left on them. HSBC CC with £4427…
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Sorry it's another YNAB thread but info needed please
Evening all, We are in the position where we fritter money away and it's getting on my nerves. At present, we use an app on our phones to update everything we spend and forecast bills. Our problem is willy nilly spends. We have budgets for things but they are always exceeded. Half the problem is putting things on a card,…
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Tight budget and debt free aim
Hi everyone, I have an aim to be debt free by end of 2018. I think I can do it, just about, but my budget is very very tight. I have literally nothing left after food, bills and debt repayments. I live quite a simple life and am very happy at home but I do sometimes have a tendency to splurge on buying stuff, and I'm…
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Student Loan ... real time balance?
I'm one of the lucky ones that has managed to get close to clearing my student loan (taken out in 1998)! I've not made overpayments, just paid it through my salary, but approx. 6 months ago was contacted to switch to payment via Direct Debit which I did. I've been making payments this way but have since had a bonus so keen…
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Vodafone Debt Collection
Hey Just asking for a little advice and help... So I recently moved to Australia on a WHV and am no longer using my English Vodafone sim card, however did use it for a tiny bit of October, and not realising occured a few charges. I hadnt looked at my vodafone account as only thought £26 was going to be coming out each…
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Should I move loan to 0% card?
Hi all! I've currently got a loan with outstanding balance of around £1760 at 11.9%Apr. I'm on plan with overpaying to get this gone by February 2018 and should be earlier. According to the eligibility checker the MBNA is 100%. I have a Halifax clarity credit card which isn't 0% but is only used for online purchases and…
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Dmp when to action it?
Hi guys, thanks for your help so far, most invaluable, last question for now, I need to know when to send my completed DMP paperwork to Stepchange as I don't want to start paying it till July, allowing me time to build up an emergency fund, do I send it now with a note saying don't apply the DMP till July or wait till…
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Repaying debt advice
Just looking for advice on my current idea to start repaying my debt more Efficiently. I've previously posted up SOA and taken on advice from points made. Current debt Tesco loan settlement today £18988 - costing £434 a month for a further 47 months at 7%. MBNA credit card - £2239.06 , paying £25 minimum payment 0%…
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Charging order/ resrtiction
Does anyone have any idea how to see if a charging order / restriction has been removed?
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How can I cope with all this debt?
Hi, Within the past year my partner and I have gone from being perfectly comfortable to dire straights. I'm on the verge of a breakdown. We have a 17 month old and I'm due a new baby in may. I am not working due to a dispute at work, this was finestablished as my partner was still earning ebough for us. He was let go in…
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Some guidance please
Hello, Firstly thank you in advance to all those who reply, I need some guidance as what to do long term and short term. Here are the facts, I work F/T and have been in the same job now for just over 23 years, my wife works part time and we have one grown up daughter who does not live at home, the company I work for is…
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£27k debt - SC/DMP - moving (to EU)
Hi, I have £27.5k debt with 3 DCAs: £15.1k with PRA - formerly MBNA CC £4.6k with Link - formerly Barclay CC, formerly Egg CC £7.8k with ... - formerly Co-op CC (just got sold, can't recall name in this second) Used Stepchange for 1 year, (a token payment plan to original CC companies), then debts got sold on and SC…
