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I’m in debt and I’m stuck
Hello everyone. Firstly I’m after no sympathy, it’s my own fault, I’m just stuck in life with debt. I’ve spiralled into debt with payday loans, that are now as much as if not more than my monthly wage. I just need to clear them, it’s making me ill and I’m in constant worry over them. For instance I’m paid Friday and I want…
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Fastest, Easiest way to clear debt and be happy?!
Hey, In my previous years I've struggled with a number of issues, addiction, moving out of family home and recently it has caused my finances and debt to spiral out of control, I have completed an SOA (Im not sure the %'s are correct as hard to find them on the apps) and was wondering if anyone had any advice about the…
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Struggling with debt
Hi, My husband and I have two debts which we had to borrow 4 or 5 years ago. One was an secured loan that was with a northern rock together mortgage to help with start up costs in our first home, but when we moved house, we had to transfer the loan to a personal loan and the monthly cost rocketed. The second was to pay for…
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Should I pay my student loan in full with help from parents-in-law? Mortgage abroad difficulties...
Hello all, This is my first post, and I've been motivated to come here to get my thoughts out and have some guidance from strangers with some distance from the situation. Some background: I've been with my Dutch boyfriend for 5 years, who I met in my second year of university in England. My student debt was always…
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HELP Please!!
Hi my husband and I are in a massive amount of credit card debt...HUGE! There are reasons behind this which our circumstances have changed but we are now struggling to keep up with the payments. We've not defaulted on any payments and our priority debts etc are all in order, mortgage payments up to date, no CCJs etc.…
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Bailiff Advice
Hi All, I've come home from work tonight and found a note from a county court bailiff. It states that I was written to and given notice of a warrant of control against goods on my premises. It then goes on with the below threat (condensed for brevity). "It is my intention to enter your premises without further notice…
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Plea for Help
I didn’t know whether to post this or not as I don’t want a bashing and hate from people. I hold my hands up and admit we have been totally stupid and made a mess of things . I just really need some help and advice and hope someone can offer me some guidance. I have been married for 22 years and I can never really remember…
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Do your friends think you are daft for trying to pay off your debts?
Hi Very new to money saving and trying to get rid of my debt. However, was out with friends at the weekend and I was saying how I really wanted to get rid of our 7 thousand pound plus debt and my friends basically laughed at me and said 'what's the point? We are here for a good time, not a long time and there's no way I'd…
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Can you be defaulted twice on your credit file for one debt??
Hi, new to the forum so hope this is in the right place. Back in 2014 I had a Halifax credit card which due to personal circumstances i had to stop paying. The debt went to Moorcroft and ive been paying them monthly for a long time. On my credit file in November 2018 it now says the credit card is settled and is due to…
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Should I be asking for help ?
Im a bit embarrassed really asking for help and advice. I think I'm an intelligent, professional guy but somehow we have found ourselves in a position were we are justing counting down time until eventually we should be out of debt but thats at least 5 years away..and Im not young anymore Due to an inscrupulous business…
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Monthly car insurance
Hi everyone, Happy New Year. Haven't posted here in ages! Well the end is in sight, I should finish my DMP this coming September after starting it back in 2013! I have a quick question to put out there to everyone. I am considering paying my car insurance monthly as I have a few extra costs this year. Is this possible…
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Which debt to pay first?
Hello. I have a total of just under £12k of debt, all of it is with various collection agencies, but at the moment it's all managed. I don't make a particularly hefty living, so they all just get a token payment each month, but I give them updates every few months and they're all ok with the arrangement. So no great panic.…
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Wescot Debt Collection from paypal.
Ok so this is a rather complex scenario but i will do my best to explain, please can anyone advise what todo? Ok so i am a taxi driver. Around September last year i had a fare which was around £35 which the guy was supposed to be paying on debit card (i have a paypal account and card reader). Once we arrived and the card…
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PDL companies generally harder to negotiate with?
Helping out a neighbour with her dmp and has revealed she took a loan out recently with Quick Quid. She wants to manage this herself but is concerned that negotiation with them for a payment plan may be more difficult with them being a PDL company? I have no experience myself with them so asking if her fears are likely to…
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N244 Form and Fees. Any advice please?
Good morning, just looking for any advice really. I have a suspended warrant of eviction for rent arrears - been ongoing years. The original order was for weekly rent + £12.50 a week. Last year at my review with my rent account manager they asked for me to pay rent + £25 a week. I agreed to prevent having to go back to…
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Buy from Next without an account?
I do have an account with Next, but it is now paid off and I don't want to use it again. I just went on their website to try and buy myself some work shoes but the only payment option seems to be to sign in and pay on your account. Has anyone found a way you can order from their website and pay with a debit card? All other…
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What small DFW things will you do w/c 21st January 2019?
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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Council Tax & Jacobs
I would appreciate some advice please. Last year I was moved onto Universal Credit from ESA benefit due to the area we moved to is a universal credit area. I was without any money coming in for almost 10 weeks because of it, as a result I got behind on my council tax. I have an outstanding balance of £119.71 of which…
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Age Old Debt Moved Address
Hi Please could someone advise? I have 2 very old marital debts from 2009, both to the same company, both now removed from my credit file. I ceased paying anything toward in December 2016 for both. I wrote a long while ago for CCA for one account, they wrote back they can't find one :T. The other account I let drift, as…
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Urgent help needed:
Firstly, I'm not sure if I am in the right place, or even if I am actually replying to someone else's question here, as mobile versions are hinky at best, so my apologies if this is in the wrong place. Secondly, I came home from work today (Saturday) to find a letter reading that I have a HM courts tribunals and service…
