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Scared people are going to visit my house - debt advice
Hi there, I'll explain my situation in brief - last year I took a loan out and when I lost my job I was struggling to pay - I was also dealing with severe mental health and my anxiety seemed to improve when ever I spent and got money and got into a bad habit of pay day loans and credit card spending and got myself into an…
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Mortgage shortfall advice
I split up with my partner in 2009 and she then refused to pay anything towards the joint mortgage we had. long story short I struggled on for a while but the flat was reposessed by the lender in September 2011. I know she went bankrupt the following year. I've managed to dig myself out of most of the financial disaster of…
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Car insurance - annually or monthly payments
Hi everyone, I've never posted on here before but my husband and I are struggling financially. We have £5000 on a credit card and a £950 overdraft. I want this debt gone and am prepared to sacrifice as much as possible to get there. We are due to pay our car insurance soon which we normally do annually. We don't have much…
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Council tax debt 2003-04
Today, my wife has received a letter from a debt collection company in reference to apparent outstanding Council Tax debts dating back to 2003-04. This was before we got together and for another rented property. I read online that maybe debt over 6 years ago is unable to be chased or is no longer valid. Is this right? We…
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Contacting RBS
I have an old overdraft with RBS, which defaulted in 2011. I haven't paid anything on it since June 2016 and want to get in touch to start paying it off again. They have an old address for me, so I want to make sure they have the correct details but I really don't want to call them as they will have my number and I get…
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CCA advice please
So the finish line is in sight, we have paid £50k off a total debt of £58k:j. I have 4 credit card debts, some going back to 1999. Should I be asking for a CCA? I can also lay my hands on £2k if I can demonstrate that it will offer me a substantial saving (family loan). So in theory if some of the companies play ball I…
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Vodaphone/Lowell Financial debt
Hoping to get some advice, I received a letter today out of the blue from a company called Lowell Financial claiming that they had taken over the management of my debt from Vodaphone and that they had tried to contact me several times regarding paying off my debt. Firstly, I have never heard of them, nor do I know anything…
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Husband is depressed and it is destroying our finances
For over a year now (with one month exception) my husband has been off with depression. He is working to deal with it but it's just destroying our finances. No matter how much we cut back it's impossible to compensate for a £600 loss of earnings every month. I've been pondering with the idea of selling up and moving…
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Need help with payment order
Hi all, I'm in debt from a few different directions, can anyone suggest the best way to go about clearing it, here is the debt as follows. I have £800 in savings that I'm ready to put toward this debt, my question here is where is it best to put that £800? Debenhams credit card = £470 at 24.9% apr Halifax balance transfer…
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Can anyone offer some advice please
Hi, Hope someone can give me some advice on this. Ok, here's my back story... I was in a DMP (Debtline) back in 2010 to 2011 which I paid £120.00 a month for several debts, mostly catalogues and there was HP for a car, which had to cancel in June 2011 due to becoming unemployed and husband left me, no income meant massive…
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should i borrow on my morgage to clear cc debt ?
Hi Guys so I have decided to pull my head out of the sand and I would be extreamly grateful for any advice you could offer ? so I currently have a mortgage with Halifax for 38000 at a rate of 3.99% but I am fixed until may 2018 with a monthly payment of £471. I also have credit cards of around £22000 (this is what scares…
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written off debt
I had a debt with ulster bank which i was paying off. I have written to them on numerous occasions asking for the debt to be written off with no success. however on the 10th march they sent me a letter stating the account was considered fully paid and closed. I then stopped making payments. They then passed the debt to…
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What small DFW things will you do this week? W/C 15 May
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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Secured loan help and info
Hi all, Just a few question regarding secured loans and the legal aspects For info i have 2 secured loans in joint names with my wife, i have been struggling financially lately and have fallen a little in to arrears with the payments although i am trying make then payments up the 2 loans total about £25000, please correct…
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Want a mortgage in 5 years but currently drowning!
Hi. Off the back of getting married and desperately learning to drive to help future job prospects, I am currently drowning in debt. My partner is unaware just how bad things are and she will be super mad if she found out. Also the contract on my job is coming to an end but I have already lined up another job, however it…
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Credit card default advice
Hi, I don't know if this is the right thread for this. I'm probably - almost definitely - going to default on my credit card. Long story short is I haven't made re-payments for past few months, and I had my head in the sand when they've tried to contact me, so now they've cancelled the card and when I rang them up they…
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Help with debt
Hello, sorry for jumping on this thread. Im not sure how to start a new one. I am in desperate need of help. I had a visit from the bailiffs with an attachment of earnings from the County Court with form N61. This is for an old debt which is statue barred. I haven't paid or acknowledged the debt since Nov 2010. I have got…
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CCJ and Default - When Will My Credit Score get better?
Hi Lovely People. In 2012 I ended up with a ccj, completely ignored all the letters because I didnt really think it was important. It was for a year of university fees which I stupidly believed I would pay off myself and when the bills came in I just didnt think anything would happen and that eventually I would get a smack…
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Council Tax Final Notice
Hi Ive received a final notice for my council tax this morning saying I have to pay the full amount of £1200. I did receive a letter last month saying I was late & I need to pay within 7 days - I called the office & they said not to worry & that they give you a bit longer than the 7 days. Needless to say I paid it within…
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SOA newbie :)
Hello, I am not sure if I am posting in the right place, so apologies if not. I have attempted a SOA to see what people think and where I can cut back. I am worried I am not really tackling my debt very well it never seems to go down. My partners income is only included as £350 as that is the amount he sends me, I sort out…
