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How soon can a CCJ be enforced
Hi everyone, How quickly can a judgement creditor enforce a CCJ if the judgement is payment forthwith (so within 28 days) Can they do anything within that 28 day period (so third party debt order, charging order etc), or do they have to wait for that period to have elapsed?
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Paying back overdraft Santander
I have 2 accounts with Santander, that haven’t been used in years, stupidly they have large overdrafts on them in the red and I’ve just been paying off enough to cover the monthly fees each month. recently the fees spiralled as I was in a bit of financial hardship which resulted in some unauthorised overdraft charges.…
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What small DFW things will you do this week? W/C 6 August
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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CCJ received cannot afford increments
Hello all, So as the title says i have recently received a CCJ in the post stating i owe £545 which must be paid in increments of £75 a month which is virtually impossible at the moment im just looking for advice since i am stuck at this moment i dont even know how to go about paying this since i think its cheque and i…
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Payday Loans Interest & Charges Claim
Hi All Between 2010 and 2014 I took out a number of payday loans with around 7-10 lenders. Most of them rolled over each month. In 2012, I set up a DMP with StepChange, and contacted each of the lenders to notify them. The amount owing to each lender was paid off in full in 2014. My question is, am I still entitled to…
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Soa help
Not sure if I have compelted this right but this is what I have done. I’m self employed so I already claim my phone and car expensivea for work in my tax return so I havnt added into here... I havnt added my husbands income as I didn’t understand it all - he earns around 19k a year so Iv put down I pay a 3rd of the bills…
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Euro's sell or keep?
Hi i have about £120 in Euro's from a holiday a while ago - as I won't be going on holiday soon should I sell them and pay off some debt or keep them until rates are better/next holiday? Thanks Nat
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Out of debt but out of sorts
I know I should be incredibly happy that I'm debt free, only took me 15years ;) . And I'm very happy and so grateful and I do get those moments of pure elation, but did anyone else feel out of sorts at times? I think it needs a bit of time to sink in and I'm just so worried that I may go back there... I don't won't to…
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Debt (with bad credit score) - wanting to reduce debt and increase credit score?
Hi, I'm mid-twenties and I've just graduated from uni - now working my first graduate job. I've worked since I was 16 and throughout university but due to some health issues in my previous jobs that left me unable to work for a period of time (sick leave) and the limited finances available to me whilst at university, I ran…
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I let the bailiff in, but for an ex tenant
So basically I was woke up about half an hour ago by someone for my ex tenant, we thought we had dealt with this as we had previously rang them, sent our tenancy to prove he doesn’t live here anymore, they’d been round before and my partner showed them ID and they went but a company who the ex tenant has debt with…
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Help needed
Hi to cut a long story short me and my wife have managed to get ourselves in a massive pickle we have both take. Our unsecured loans of 25k each we owe 20k on 1 and 22k on another coupled together with a HP on a car our debt payments are nearly £900 per month money has seemed to get tighter for whatever reason and we are…
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My boyfriends debt
My boyfriend has a ton of debts from a time period of roughly the last ten years. These are from things like phone contracts, unpaid overdrafts and unpaid council tax bills. I have sat with him and tried to tally up how much his debt is and I thought it to be around roughly £18,000 although it is hard to tell because he is…
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Nearly there - but help with next stage pls!
Hello, So I am nearly there with clearing all my debt, including a hefty 2k overdraft, and two credit cards.. in another month or two I will be completely clear. But - my next challenge is what to do about getting a mortgage or how I can improve my situation. I am on a low wage and I live alone in London; it is very…
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HSBC help
Is it possible to contact HSBC repayment services by email? I've searched but nowhere can I find an email address for them!
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debt in MR
received a letter for an old debt from around 2011, then it got sent/sold to a collection company in 2012. the ccj was awarded at the beginning of this year but think they applied for it in 2017 because of the amount, they want I am considering a DRO or DMP and wondering if I ought to proceed via step change
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Moving house to clear mortgage but not debts
We are currently on a DMP....a long way to go but we have equity in the house. If we moved it would mean we could pay off our mortgage but sadly not enough for the debts. However this would obviously mean we had more money to pay our creditors.....I am desperate to clear the debts ASAP ....any advice please. Many thanks
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Help :-(
I'm at work so can't say much at the moment, but please see my SOA. I am behind on lots of payments too, so it's worse than it looks. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3 Number of cars…
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Best Budgeting Software?
Hi people, I'm ready to sort my life out :) My question is, what budgeting software would you recommend? Ideally I'd like one that links to UK accounts and has the same functionality of YNAB but I don't know if this exists. I'd love to hear your thoughts, Thanks all! Gareth
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Defaults In Scotland
Hi all, Hopefully someone can help answer my question. I have worked hard to get my credit standing back in shape over the last couple of years and I have one default left on my credit report that is over 4 years old. I know the default is removed after 5 years and I'm under the impression that this is 5 years since a…
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Help with BW Legal debt
Hope this is in the right place. So I have a defaulted credit card which is showing on my credit file from 2014. I had been lazy in the past but am now wanting to settle this debit to improve my credit file. My credit file with all agencies shows the debit is with Lowel Portfolio. I called lowel today who verfiied my…
