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Advice Morality & "Fairness"
Not the usual thread on this forum but I've wanted to have an open discussion on this for a while. I want to get an overview of peoples opinions regarding the offering of advice on dealing with (mainly) creditors. I'll explain; It's all too common that a person will post regarding a debt owed and request advice on how to…
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What small DFW things will you do w/c 17th 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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F&F Statement
Hi all, I must apologise about this thread in advance as i'm sure it's been asked countless times in the past, but i've searched hi & low on here & found nothing. Is there a template F&F statement I could use as I have a couple of companies I would like to send one too, & I don't really have any idea of what to include in…
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Trolling
Hi and welcome to the DFW (Debt-Free Wannabe) Board Every now and then we have had a number of offensive and insensitive comments made on the DFW board. What do we mean by this? A person that posts deliberately provocative, nasty or hurtful comments on threads is know as a Troll. They may be a person with no previous…
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What to do first?!
Hi all I am new here and in need of advice regarding my debt and how to manage it. My partner has just left me - we have a house together which needs a lot of work before I would happy with selling it. We will lose money if it is sold in current state (bare walls, no central heating etc) Financial context: Salary- £46k -…
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CCJ How to respond if paying in full
As title states really, have trawled the internet and this forum and cant see any information. I have received the CCJ papers to respond to a claim, I am happy to accept this and pay in full within the 14 days plus service so within 19 days of the date on the letter. I understand that I pay the company directly which I…
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Bailiff advice...
Hi sorry if this is the wrong section, I’ve just written a huge post and then I think I was logged out. I will try to repost but so that at least I log a post I’ll just keep this very short..... Can bailiffs enter a property and threaten/enforce etc if a person is severely mentally unwell and on their own?
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Being taken to court
Hello, I got a claim through the post from the court (from a payday loan company). They are taking me to court because I haven't paid them back yet. It was my understanding that in order to do this, a company must send you a 'letter before claim' or 'letter before action'. They haven't done this. Is this right that they…
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bank loan - banks not helping reduce loan?
my brother, took out a bank loan when he was working and decided to pay it back at a high monthly rate to clear if off. then if got released from his job - well that was 5 months ago - he went to his bank last month month to see if they would reduce his monthly loan - they basically say no, they could not help - he would…
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Resolve call
Hi I am wondering if anyone has any experience of Resolve call. I have a debt with Cabot which they have been trying to talk to me about but I am ignoring them since they have not supplied me with a CCA as requested. Now they say they are going to send someone from Resolve call to visit my home! I have no idea who they are…
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Statute barred or not
Not sure how to start a forum....have a question about a debt and wondering if statue barred.! Debt happened while living in England 5 years 8 months ago. I know statue barred in 6 years...but I live in Scotland where statue barred is 5 years.... So is it statue barred already or will it be 6 years since that is where the…
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Advice please - IVA/DMP
Sooo after ignoring/burying head/ crying, looking, trying on my own / igrnoring again etc etc I contacted PayPlan. I’ve submitted all my info for myself as I cannot go on feeling this low (been on the sick with severe depression and awful ideations) to try and sort my debt! PayPlan have come back suggested an IVA as I said…
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Full and final issue!
Hey people! Brace yourselves as this will be a long old post - I stress HELL in HELLix alot, because they have been a complete nightmare. So.... Over the past year or so i have battled my debts and ended up clearing them, I payed a F&F offer i received back in august - on the basis that the account would be COMPLETELY…
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F&F Settlement offer
Hi All, Please help if you can. I owe £3698 to Link Financial Outsourcing have made 3 offers up to the last one at £2500 which they have turned down said they would except £2752 to settle account, I have asked for this in writing by post or email for proof. I have received this email today Further to our conversation and…
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About to start DMP - advice please
Hi all, So after months of burying my head in the sand, I have now 100% realised I need to get myself onto a DMP and tackle my unsecured debts of around 33k. I have a 1 year old mortgage as 95% LTV (24 years left to run!) and a full-time job earning around 28k - so in my eyes an IVA probably isn't a great option, although…
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PRA Group
Hi everyone, So back in 2017 I received a letter from the PRA Group stating that I owe £500 to a company called Express Finance Ltd. with an opening / closing balance in 2017 and no further details. I'd never heard of Express Finance Ltd. so called PRA Group to ask what this debt was and when it was from. They said that it…
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CCJ help - setting up payment plan
Hi this is my first post! Without the woe is me blah blah - due to my ex husband leaving me with massive debts I’ve landed myself with a CCJ with Reston’s. I’ve done the financial audit and offered £35 a month as my disposable income is around £38. They’ve completely ignored this and are demanding £90 a month - saying some…
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Capital One & DMP
Have been on a DMP with Step change for a few months now all going well so far. Today I got a call from Cap 1 regarding my balance with them which is being managed my SC. They explained that as I had made 2 payments and my account was no longer exceeding the limit I didn't need to be on a payment plan anymore and they…
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HMRC APN Hell
Over 20 years ago I entered into a personal tax scheme which was completely legal, and enabled me to save some money on tax as a relatively high earner. The law was changed years after I entered the scheme, and backdated by 10 years, meaning that the scheme I had legally joined became illegal and I owed £21,000 in tax…
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Managing loan while out of work.
Hi, I posted this is the student forum but didn't get much response so thought I'd try and reword it and re-post it here. My monthly out goings are as follows. I currently OWE about £20k with tesco at £375 a month as a personal Loan. £75 a month for my Car insurance About £100 a month on fuel About £150 a month on food…
