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My Bailiff Advice want my Clearscore login details
Hi everyone! So I have debt, an unpleasant amount. I'm being hounded by a particularly unscrupulous collections agency who are refusing to set up a payment plan with me. For this reason I have approached representatives from a "stop bailiffs now" service from a company called "My Bailiff Advice". During our phone call they…
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Hope someone kept my seat warm..
I take no pleasure in coming back to DFW, which sounds horrible but I'm sure you all know what I mean. Thanks to a failed business, I'm now back at square one with my debt. Probably worse, and have come to the point of no return. I can't try and carry on as if it is all going to work out fine if/but/maybe. It's time to…
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Need advice - unsecured debts & mortgage
Hi everyone, I'm a newbie on here, but have been working towards debt freedom for a while. I have a good idea of how I can get rid of most of our outstanding unsecured debts fairly soon, but have a technical question I was hoping you could help with... This is the situation - we have about 5,250 in unsecured debts between…
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Time for the annual "BEWARE!" thread...
Yep - here we are again, that time of year when everything can get rather expensive. But - thank goodness - we get paid early, don't we! That wil help! Or will it...? I'm talking about the "December pay trap" - you know the one, rather than being paid on the last day of the month, or the 28th, "because it's Christmas" your…
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Tell us your experiences of managing household income, savings and debt
The Treasury Committee wants to hear from you as part of their inquiry into household finances. Do you have any experience with:hard-to-manage household debt or consumer credit non-credit (e.g. utilities bills or council tax) defaults using saving schemes, e.g. lifetime ISAs, help-to-buy ISAs, or similar seeking and…
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Debt / Payment Tracking
Hi, Has anyone got a good way of tracking their debts? Like who, how much, last contact, payment made, balance, projected end date etc? I'm looking for something to do this on - I don't want pen and paper because I misplace everything :mad: and I can't afford to buy the word/excel package. TIA
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Stepchange - But now interest is being charged
We have a large debt with Credit cards etc and used Stepchange. All was great but a number of lenders are now charging us interest again as the payments Stepchange are making on our behalf are more than the minimum repayments so we are back to square one. Anyone any help or advice on this as we expected to be debt free in…
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Losing job with debt
Hi, Just wondered what happens with debt people carry if people are sacked. Are credit card companies flexible with payments ? Cheers MWAUGH
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DMP help
Hello I'm curious to know as I'm in a very similar debt situation owing 36k, is your debt from credit cards? what was the monthly payment you arrived at with DMP? did any of your creditors agree to the frozen interest?
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What small moneysaving things will you do this week? W/C 11 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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Help to get back on track please?
Hi guys I've got no excuses. When I was younger I was awful with money and defaulted on many accounts. I buried by head in the sand to be quite honest and simply avoided the situation. Well now I'm a little older and wiser and I recently decided to take a step towards rectifying the situation. I did an Experian credit…
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Bristow and Sutor
Hello, I am new to the forum so forgive me if I am posting in the wrong place. Any advice you could give me would be gratefully received. I was renting a house from a friend on a very informal basis (no rental agreement)in Cheshire. We agreed that on top of my rent I would look after the Council Tax. I was in the property…
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Scared to tell my partner
Hi everyone, These past couple of months I’ve been stupid and got myself into quite a bit of debt (14k) through online gambling whilst my partner has been working away. We’ve been together nearly 4 year and about to move in together in the next few month (mortgage in his name) Now I’ve got to a point where I can’t explain…
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DMP or Bankruptcy?
Hello, Really need a bit of advice about our current situation. My wife and I are both 35 and we have 2 kids aged 3 and 7. We have gotten ourselves into a lot of debt over the last 7 years due to bad spending choices and both being made redundant ( both back in full time work now). We want to deal with our debts properly…
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Advice on Improving Credit File - I'm clueless!
Hello All This is my first post, so forgive me if my etiquette is a little off! Long story short, I have a lot of debt and I'm on a DMP. I have a house with an interest only mortgage £176k, recent valuation at £250k My DMP is circa £40k and I'm currently paying £340 a month, In about 8-9 months I can increase this hugely…
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Additional Job? work from home?
Strange question I no but does anyone know of any jobs you can do from home in afternoons / weekends I'm looking to get an extra £200 after tax a month if possible it would really help pay of debts quicker. does home work still exist ?
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Emergency Fund or Payoff Credit Cards
I have about 5 different credit cards all of which are on 0% deals which expire in May 2018 and then the rest in 2019 and then I have 2 personal loans at around 5% each. Total debt is around £35k. I have about £20k credit available but if used it would attract immediate interest. I am currently contracting and using a…
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Offering full and final
My smallest debt has been sold to Cabot about 4 months ago but still managed by Akinnika. I'm chancing my arm and offering a settlement in the hope they may have yearly targets to meet! Anyway, the latest letter states I can call them direct but any written correspondence should go to Akinika. Who surely will have to pass…
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More CAB closures likely
... in Cornwall http://www.bbc.co.uk/news/uk-england-cornwall-42293095 and Newbury https://www.newburytoday.co.uk/news/home/23034/council-cuts-could-see-vital-citizens-advice-service-close.html
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Letter From CapQuest Debt Recovery
Hi I just received two letters today, one from HSBC relating to a debt of £6714.25. I have never had an account with HSBC. The other letter is from Capquest Debt Recovery who are now administering the account. I am very worried , because I also researched Capquest and they appear to be very aggressive. I am a pensioner and…