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anyone ever had three mobile clear a debt without payment?
hello, im new hear and just wanted some advise not sure what to do? i had a contract with three mobile which i paid a year off then i lost my job and couldnt afford the contract and it ended up defaulting in August 2016. the debt was with Past Due Credit Solutions, i had a payment plan set up with them until they stopped…
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MSE News: One in seven worry about money 'every day' during the run-up to Christmas
Households are facing increasing financial pressures over the Christmas period, a new poll reveals today, with more people regularly worrying about money and more turning to credit to pay for festive food and presents...Read the full story: 'One in seven worry about money 'every day' during the run-up to Christmas' Click…
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Creditor letter
Hi, after numerous back and forth correspondence with a creditor over the last 5 years regarding a mortgage repossession shortfall they have written to me stating they are going to take action in the next 60 days if nothing is sorted with payments. One of the options mentioned is to "take legal action to obtain payments…
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credit card and 'set off'
I checked my bank balance today and find out that nationwide have helped themselves to just over 2grand, they say it is their right to set off on an old credit card I had with them, I have not heard anything from them about the card since 2003 can they still take this money??
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Would breathing space from problem debt have helped you? Help call for change
If you’ve ever had problem debt, we'd like to hear your thoughts on this proposal for breathing space… The Government is asking for views on bringing in a 6-week long breathing space period for people with problem debt in England (and possibly in Wales and Northern Ireland too). A similar scheme already exists in Scotland.…
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Halifax have registered a default for £119 on my account - please help!!
Hi all, In June last year, my account got used online to spend money on world of Warcraft items (which I’ve never played in my life). I called Halifax who credited my account £178 and was told if it was found to be in the sellers favour, they’d credit my account and let me know. I said that’s fine as I knew I hadn’t used…
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Budgeting hell :-(
Hi all...help? I cannot budget, I cannot add up and I cannot control my finances - many factors here all linked to a long episode of depression and anxiety and have left me in a right old mess. There is only me, no sugar daddy and I haven't had a penny from my ex for his daughter for over 3 years, he claims to be going…
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Dispirited
Hey all Sorry to have a moan but I just need a bit of a boost as the road to destination debt-free is feeling like such a slog. My partner is currently self employed but we get the feeling that the client may be looking to reduce or stop all hours as they are in financial difficultly themselves *sigh*!!! I have another job…
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Link to the thingy to input all your outgoings/see what's left every month
Sorry, I don't even know what it's called but basically you list all your outgoing spends/salary etc and see what's left and people can give suggestions. I can't find it.Can anyone help?TIA.
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Way to Pay CCJ?
Hi all I have a CCJ on my credit report that I would like to pay. I had made a few payments before it went to a CCJ that I then couldn’t afford to pay and just ashamedly buried my head in the sand and ignored it. It stands at £548 and in the next couple of days I will be in the position to pay it off. The company I made…
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Spanish hospital claim
Hi Guys, Just wanted a bit of advice from anyone in the know. Last year whilst on holiday in Spain my wife had some severe stomach pain so we popped down to the local medical centre who advised us they believed she could have a burst appendix and wanted to send her direct to the local hospital, They then asked to see our…
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Red Castle
Does anybody know if these are still trading I’ve had my payment sent back to me today. Can’t find any details. If they’ve been taken over do you know by who?
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Any suggestions will be greatly appreciated.
Hi, I currently have an overdraft of £3,600 with Barclays and another £250 of emergency borrowing. I am regularly over the £3,600 so I end up paying about £100 in charges. I also have a credit card with HSBC and I am up to the £5,500 limit. The minimum payment is about £150 a month and the interest is about £100. I have a…
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new to this....
Hi there I'm new to the forum!! Lightbulb moment last night when a bailiff came to my door for an unpaid court fine and I had to pay £1195 on my doorstep. He threatened a locksmith if I couldn't pay in full. I was paid 30.11.17 and now have £100.07 in my account until 22.12.17. No xmas presents yet bought and not all DDs…
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Advice re: Rossendales debt
Hi all, Looking for some advice. The debt is for overpaid tax credits and the amount is £1500 (£750 each me and partner). So far i haven't replied to any correspondence, which started with letters from Rossendales, then it was sent back to HMRC and now back with Rossendales who have sent a 'final demand before legal…
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What small moneysaving things will you do this week? W/C 4 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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Half way through my DMP and feeling very low - Don't think I'll ever recover from it
I'm halfway through my DMP with StepChange and although I felt positive at first, I'm now wondering whether I've done the right thing...I'm not sure if this is a normal feeling at this stage or just because it's Christmas and I'm getting frustrated that I have little money. My debt was a staggering and shameful £32k and I…
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Stopping pension to clear debt
I'm thinking of stopping my pension in order to use the extra income to pay off debt. I'm just not getting anywhere fast the way things are. My pension contribution is 6.5% but my employer pays in 14.8% and that seems a lot to sacrifice. It would only be temporary though. My debt is £800 on an old catalogue and 2…
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Liability order and ESA - Enforcement officer question.
Hi. I am asking this on behalf of a friend. She currently suffers from severe depression, anxiety disorder and acrophobia and has done for five years. She has only just been taken off the suicide watch list because shes moved in with me. She has also recently had to file for bankruptcy and has been accepted. However, sadly…
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Gambling Debt :S PLZ HELP
Im feelinh physically sick. I have been gambling for a number of yeara now and im in 35k worth of debt but im living off 1k per month in wages. I took out loads of loans and credit cards and whatever i could get hold of to fund my habit and i really wish i could reverse time. I keep on getting debt letters through the post…
