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Upside Down Days
Change of mind and not sure how to delete?
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Car insurance on a DMP
Hi everyone, long time no speak! I am wondering about my car insurance policy, it's up fro renewal in a couple of months. Usually I pay this all off in one go and pay back my CC each month but this year, I'm not going to be able to do that. My premium is pretty high as I'm young and the area I live hikes up the price…
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someone else's ccj added to my credit file!!!!
Default Credit file error!! Hello everyone, I'm in the process of renting a house and they are doing credit checks at the minute, I've just had a look at my credit file and Experian have added a ccj??? I've never had a ccj my name is Richard but this ccj is registered to Stuart? This stuart has the same sername as me so…
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It's time!
Hey guys, I think I've hit my breaking point. I've sunk further and further into credit card and overdraft debt and it's gotten out of control. I've made myself a plan (like I have done numerous times before) but I'm hoping by posting on here I have some accountability and actually stick to it. My debts are as follows:…
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What are a person's rights in this situation?
Waste of time. Didn't even read correctly before offering "advice" that would have incurred further debt and not resolved any of the issues had. An exercise in learning how quickly people make a judgement before actually absorbing all the facts.
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Loan help?! Need life back on track
Hello everybody, I was looking for some advice as I went through an awful spending spree which I have now curbed and looking for the best advice to get out of debt. I understand I got myself into this mess. Loan 1 - £5000 Loan 2 - £3500 Overdraft - £500 Credit on PayPal - £750 These are all my outstanding amounts. I…
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Link financial
my son took out a lease car with Fords. he has had 2 cars with them and simply renewed the lease and changed the car each time. he signed for another car 12 months ago and the agreement was for 2 years however, he is self employed and missed some monthly payments but then paid extra each month to make it up. he recently…
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CCJ issues: default judgment claim form not signed?
Dear all, I am new to the boards, sorry in advance for any obvious naiveties. I received an email to 2 addresses (including my work address) 2 days ago informing me I had had a judgment in default made against me on behalf of the solicitors who advised me on an abortive divorce case from 2009-12. The solicitor advising me…
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Sell up and have a clean slate?
Hi all, I've been lurking here for a bit and unsure whether to post but what's the worst that could happen?! I live with my partner and young daughter. We have a mortgage and unsecured debts totalling £167,000. Our unsecured debts are £44,000 and we're currently in a DMP, but it's going to take until 2044 to clear it all!…
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What would you do?
Hi All, It has been many years since i have posted on here but am very good at lurking. I am after some advice. I have the debt below in my signature and have been slowly trying to build up my savings, with the help from a nice bonus this year and trying to be good I have nearly managed to save £9K. I was thinking i would…
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Managing Debt and Returning to Study
Hi, I'm pretty sure this is the wrong area of the forum to post, but I'm unsure where else to get advice. So as with many of us, I got into a bit of financial trouble when I was a bit younger. I currently owe about £10k across a couple of credit cards and have agreements with the creditors to pay it back with minimum…
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Small wins vs Sensible debt repayments
So I'm tackling my debt and I've sort of got it all sorted out in my head and using various tools available on here. The short story is that I have spare money now to throw at debt so I can start reducing it rather than treading water. However it will take time and I do have a bit of a dilemma. I do understand paying off…
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Please I beg for your urgent help
Loan taken out December 2015 (£200) Lost employment January 2016 Default placed April 2016 Account passed on to DCA October 2017 Complaint to Payday Company raised January 2017 Complaint taken to Financial Ombudsmen March 2017 Deliberation received from FO in favour of Payday Company 20 July 2017 Can still appeal to…
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My plan, for what it's worth
I have managed to get rid of all my credit card debt and my overdraft (around £32k in total), I'm now lwft with the following: My car - £22k remaining - £476 per month Wife's car - £13k remaining - £328 per month Bank loan that I used to kill the credit cards off - £4757 remaining - £428 per month I am currently overpaying…
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Thank you guys
I have been debt free for a few years, but I regularly read the threads here, not so that I can bask in being debt free, but to ensure I stay on the straight and narrow. For those plucking up the courage to bare your souls, have no fear once you have done so. The advice & support by the regular posters is fantastic and…
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Save money or put towards debt?
We have brought a house and should be moving in the next few months. Currently have £15K of debts - manageable but still a monthly burden. We are on a strict budget from now until we move and no unnecessary spends are allowed. What should I do with the money we save? Try and hammer down the cards or save in a separate…
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trying to get in front
Hi everyone, I don't really know what I want to accomplish by posting, I just feel like I'm really facing it if I post! I'm actually quite embarrassed now its all written down and am just looking for a bit of support. All of the debt is completely my own fault. I'm afraid I'm part of the 'I want it now but pay later'…
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I am rubbish at money
I am sitting here in tears, not sure where to start. Very briefly, I am paying a £16,000 loan over the next 5 years which was paying credit card debt. I have also just moved 4600 onto a 0% credit card as I had built that up in the meantime. I dont know how to budget!! I transfer £900 to our joint account for bills and…
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Defaults
I was in a controlling relationship whereby my finances and the household finances were dealt with by my partner. Towards the end of the relationship I went into hospital for emergency brain surgery that left me on intensive care with bleeding on the brain. I was in hospital for almost 4 months. When I got out of hospital,…
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Hello again!
Hi everyone - I was amazed that when I logged in for the first time in a few years I got my 10 year badge! Doesn't seem anything like that! I became debt free back in 2014 clearing nearly £60K of (joint) debt with a house sale. Since then we have been doing OK - no house but cars paid for etc. and keeping on top of things…
