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What small moneysaving things will you do this week? W/C 18 December
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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Start Again
Following recent failures with DMP and missed payments I have decided to start again and this time do it correct I didn't have emergency funds and completely over stretched myself. I will contact my DMP provider and let them know I am planning to go alone Looks like defaulted on four creditors so far and I understand this…
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Ccj help please
I received a ccj claim against me today for £1750. I’ve been searching for advise online and I’m so worried about a charging order statement I read on a debt site. My husband owns the property , I am not on the deeds or mortgage at all, it’s solely in his name. Can they still put a charge on the property if they refuse my…
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Got worried due to debts
Hi all, great support here as always. Got lot of debts, now I have difficulty to pay minimum payments on credit cards and loan. Was actually trapped in balance transferred and eventually paying high interest after all offers expired, after all my income expenditure calculations I have got 200 pounds disposable money now…
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Moriarty law ignoring a "prove it letter"
Hi everyone, I'm new here but have researched advice in the past here. About a month ago I had a letter from a moriarty law demanding payment for £230 from a talk talk contract that "agreement had started in 2010" I had had a dispute with talk talk many years ago and considered it settled. I don't have those letters (I…
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HSBC requesting a SAR?
Hello, I'm looking to request a Subject Access Request from HSBC for an account that closed in Nov 2014. I have done some browsing but can not find a specific address to send the letter - which i will be sending via recorded delivery. I have also looked through some letter templates be can not find one for a 'current…
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Nowhere near as much debt as some here but enough to worry me...
Hello :o So I have a little bit of debt, as the title says not as much as some here but it's enough to worry me, especially when I've been in debt before and got myself out of it... So the main debt I have is a Littlewoods credit account at about just under £900, a £240 overdraft on my current account, oh and a letter has…
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Gambling ruined my credit
Hi Im seeking advice if anyone can help me. In my early 20s I developed a gambling addiction taking over, ruining my credit rating with payday loans, not paying some with other bills not getting paid. Things changed with seeking help and starting a career now qualified! I’m 26 earning a good wage with a debt of 2700 that…
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Debtcollect Ltd - problems
Hi, I’ve been using Debtcollect (based in Rochdale) for about 14 months to help manage and repay about £25k of debt. I’ve been paying £740 to them a month (which includes a £39 fee). Recently I asked them for a statement showing how much I’ve paid them in total and how they’ve distributed it, as I’ve had calls from my…
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New start to pay off my debts.
Okay, so I finally decided to face up to my debts and now my income is pretty much stable, I can now budget and work out how much to pay. My soa us below and I just want to know if there is anything I have missed budget wise. I know I have a big surplus but this is only recent and from the new year I want to start paying…
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£11k debt Lowell Finance
This is on behalf of someone else, so only have a limited amount of information but...friend is returning from living abroad for a few years and wants to move back to the UK permanently. We've said he can stay with us for a while whilst he gets himself established here. To get the ball rolling, he's registered on the…
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Lowell have wrong information
Hi I’m looking for any kind of advise on how to deal with my current situation. About 5 years ago I got a credit card with Aqua that I applied for online after filling in a simple online form. I used it for purchases and kept paying the balance off to boost my credit rating. However, after a year or two I fell into the…
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debt free
4 years ago i posted on one the forums on the martin lewis site to say how we had to seek help from stephange ..can i say stepchange have been brilliant guieding us to debt free .also people on the forum always talked positive with me ..to day we are DEBT FREE can i thank stepchange who without there help being debt free…
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How to get your spouse on board ?
Hi all I really need some advice about how to get my spouse on board with controlling spending, I have always been the one who deals with "the finances" although we have a joint account and each have our own separate bank accounts. he has total control over his bank account and the joint account pays the mortgage and the…
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In need of serious help
Hi all, I need some help, I'm snowed under in debt, my total monthly outgoings is around 4k, yes that 4 grand and it's crippling me I'm earning just enough to pay the bills, my credit is crippled I've CCJ's defaults it's just getting worse, there's only around 7k of equity in my home. I need a loan of around 40k to clear…
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Ddebt collection agency accepted money they shouldn't have
Hi I had approx 3 to 4 grand in debt and decided to take action after coming into some money. Ii offered full and final payments to all my creditors which most agreed too. Oone of the debts was £320 owed to Vanquis for a credit card. The debit was being collect by a company called DLC. I phone them up on the 30th September…
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Here I go!
well... here i am.. ive been reading these threads for years but never really posted before... finally facing up to my debts but first a little about me.. life was good, bills paid, 2 beautiful children and a partner, up until Feb 2016 when i was taken ill and had to have a full month off work unpaid as i had only been…
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Can my debt affect parents
I have a very large amount of debt on credit cards and overdrafts arround 37k and am registered living at my parents address (im not on the mortgage) just registered to vote here. Does anyone know if my debt will affect my parents? E.g. What if my parents apply for a new credit card or other form of credit? What if my…
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Today Im debt free
So...... I've not been here for a while, and its funny looking at my old posts and seeing the debt in my siganture, well today i have a nice update. I'm debt free. I'd love to say I did it with hard work etc, but I pretty much just lucked into it. My luck has even come about because I am an idiot who gets himself in debt…
