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DMP - how big will the affect be my husband
So my dmp starts 01 June with SC, I've everything set up and a small emergency fund is building up too. My husband is fully aware of me starting the plan and although hes not over the moon hes been incredibly supportive. He has an excellent credit record, not overly in debt, always pays on time and never uses his overdraft…
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Back again after 2 yrs away - debt query, secured loan or not?
Hi all, Essay with details below but essentially - declined for unsecured loan and now considered a secured loan. Good or Bad idea? So a few years ago I really concentrated on my finances and got myself into a really good, healthy position personally. My husband is currently on a DMP which is being well managed. Fast…
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restons
i am the appointee for my daughter (not power of attorney), wth DWP plus I organise her money so that bills are paid and we tick along. Payments have also been made at £5 per week to Lowells and Cabot for quite some time and Lowells is finished around November 2018. These were catalogue debts from years ago. We now are…
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Help with solicitor demand
Hi, all In 2016 i was contacted by a company who dealt with holiday sickness, my wife and kids had been sick on holiday and they said i could have a claim, i went through a process of starting a claim with a solicitor named `Driscoll Kingston` in Liverpool , after moutains of letters and forms my wife decided she wanted to…
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Discharged CCJ?
Hi all, Looking through my credit report and I came across my CCJ status as being discharged, can anyone tell me what this means? My CCJ is from a parking ticket in 2016, didn't pay for ages but eventually did in 2017. Only recently noticed it's changed to discharged. Curious to this as in the next few months I'm going to…
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Moorcroft are terrorising me!
Hi guys, Please could I get some advice? I have worked really hard over the past 8 years to get out of debt. I am finally hoping to buy a house this year after losing my last house to my ex 8 years ago. Lowell were chasing me for an unknown ‘debt’ I asked them to prove I owed it and they couldn’t so they passed on to…
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Where to start??
Please help. I’m drowning and been burying my head in the sand. I had a LBM last week when I logged on to CC and thought I best shuffle again. I’ve become the clich! that everyone mentions on this board (I’ve lurkeda while, never fully admitting my problem) and was also declined for a refinance loan. It all started when I…
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Lowell - CCJ or empty threat
Hi all, Hoping I can get some help here. Having not heard about this for some time, potentially 5-6 years, I got a letter from Lowell Solicitors today. I owe around 450. Apparently a CCJ was entered against me and I was ordered by "the Court" to pay around £60 a month. I never received any correspondence for this, so…
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Selling the car...
Hi all, A question for you with regards to being a debt free wannabe. I am currently considering selling my car (12 plate C Max, 51K Miles) and trading down to an 08 BMW 3 series tourer (144K Miles) while using the difference in money to clear approx 85% of my credit card debt. I would then be working with the wife to…
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Lowell notice of allocation to small claims track.
Hi I'm looking for some advice on Lowell taking me to court over a 02 Phone bill. I recently received a claims form for a O2 service agreement and device plan for £1300 from 2014 The claimant being Lowell Solicitors. I never paid and canceled the contract then returned the device/phone because 02 broke the service…
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I'm going to need a (new) budget
Hi all, I have made the decision that later this year I WILL be giving up the corporate life and heading off in a new (currently unknown!) direction. I am in an unenviable position in saving from many years of working & earning very well. I do plan to take a few months to think about what to do next. Whatever that is, it…
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planning?
Hi all, first proper post here! I need help with saving/budgeting. I currently owe money out and I have direct debits set up, looking for ways to save a little extra. I allow myself 1 or 2 items for myself a month no more than £15. Current debt is £1399.96 income - £1120. monthly bills; car - 105 (fuel - £180 roughly)…
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Recurring theme
My existing 0% balance transfer was ending, so I was applying for a new one to help me pay the last £1400 off. It was only then, I had realised that my next account had "crept up" to nearly £200 after having cleared it before, I was in my overdraft when my wages got paid into the bank (which means I would probably be…
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Do you think...
...you can 'make' someone have a light bulb moment about money / debt? ...when did your 'light bulb' moment come? I have a close relative who I like to think is somewhere on the journey but seems to be hurtling from crisis to the next...they have enough money to live on but just don't budget for their needs and do silly…
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Trying to sort out a big mess
Hi everyone I'm new to the forum and for quite some time have tried to avoid the crisis I'm having with my credit score and would massively appreciate any help. Long and short of it: In my early twenties I was terrible with money management and acquired 2 CCJs, one of which has now come off my credit file. The other is due…
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budget brain website???
has anyone seen that budget brain website has closed down? Does anyone have any alternatives that do what it did?i loved that website
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Very catalogue Customer died
Hi i paid my Uncle cash for a fridge/freezer that was on offer from Very as he had debts to pay and needed the cash, and he was gonna pay it off monthly. Sadly my uncle has recently passed away suddenly and within a couple of weeks of me recieving the fridge/freezer. He had no savings or anything of worth and never owned…
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New Financial Statement - Living Together
Hello everyone, I previously posted a question and had some great help and advise regards to potentially moving in with my partner, although I have £25.000 of debt in the form of loans and credit cards which are currently being paid via £1.00 payments each, due to only working part time and the Citizens Advise Bureau…
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Help please
Wondering if anyone could help me please. so ive closed my account with Yorkshire bank. I had a £600 overdraft with them. I advised I wanted the closure done 3 weeks ago. Today I thort I would check on my Yorkshire bank app and its in credit? so I have a credit of £38.67 and my overdraft is £638. I rang Yorkshire and said…
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Opinions on this full and final settlement.
Hi, I am planning to offer a full and final settlement on my debts in the next couple of months and wanted opinions on if I’m just dreaming or if it might actually be accepted. I am with StepChange and owe 3 creditors a total of £12,000. I have been in the plan for 6 months and am reaching the point where the debt will be…