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I'm not in debt, but I still need to do better
Hi all I left a financially and emotionally abusive relationship six years ago and since the start of 2019 I've been financially stable. I have no debt anymore other than a PCP car agreement (entered in SOA as "other travel" because I don't know where to put it). I'm not trying to boast, but more explain that I understand…
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My mother’s Debt
Looking some advice my father died 6 wks ago and my elderly mother has early onset Alzheimer’s she has lost my fathers pensions and is now struggling. She has 3 cards adding up to 7,000 debt. I went through Payplam and went through her expenditure with them but as she only had £50 surplus every month they won’t represent…
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Using pension to help pay off debt
Seeking advice regarding paying off debt by stopping my pension for a year or two?
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Debt to creditors
Hi all, Me and my wife are currently not financially joint as she is paying a token payment to creditors (she owes around 15k) and we need my credit file to look good for our mortgage etc. Shes had these debts now for over 10 years and when she started to get into trouble she had pay plan handle the payments. A couple…
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Extra Charges applied after paying Council Tax bailiffs
Hi, I had a debt with the council tax who sent the debt off to Rossendales after two months... Long story but I paid them the correct amount but even after I paid them their correct amount, Rossendales have still applied another £349 after having paid the correct debt! They have sent me a threatening letter to me saying…
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Debt Consolidation services
In February 2018, I met with a car accident in which I had a broken collarbone, cracked rib and a burst fracture in my spine. I required surgery and a back brace to be worn for 6 months following surgery and bed rest. It was a tough recovery, with a lot of sleepless nights. My parents had both passed away when I was in…
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Pay off loan or put towards deposit
Morning MSE, I'm in the progress of saving for a house with my girlfriend. I've currently got a loan with Tesco that ends in October/November time 2020. We've given ourselves a target of 18 months before we start looking for a house. We should have around £11k each if things go to plan. I need a bit of advice with my loan.…
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please don't judge
hi there i'm new here but i feel i have exhausted every avenue. Basically I have been looking for work but previously had a very high profile, i cant seem to get a normal job, they either say im not suitable or dont have the experience. I cant sign on just now as i have some royalties coming in but theyre not covering my…
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CCJ help
Is anyone familiar on where we can go from here. Background- an individual took my husband to the small claims court online for £900 that he admitted to oweing but he cannot pay as he has no job and no money. Filled in the form online admitting that he owed the money and offered £35 per month towards the debt (I was going…
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Creditors Accepting payment offers
I have just gone self managed DMP after being with Step change and wrote to all of my creditors with my budget and payment offer over 2 weeks ago. I have heard back from some accepting the payment but not others,so my question is should I still make the payments to those who have not yet replied ?
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Debt reduction offer
Ive received a letter offering to write off 65% of a debt that I have. I am tempted to contact them as a family member has offered to assist. However I am dubious as to whether they would honour the agreement once I contact them. Also curious to know if the debt is paid off by this method, how long does it stay on my…
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Help! Warrant of Control
Hi, I’m sitting here shaking as I don’t know what to do. I received a CCJ for an old debt that was bought by Cabot, it’s for £563 and I cannot pay it, anyway I buried head in sand and now a warrant of control has been sent, as I said I cannot pay it and cannot pay it within the 3 payments it states, I know there’s a form I…
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Advice Needed! First Post
Ok so here goes, , my first post and I am in need of much needed help and advice!! Hopefully I am in the right place! So to get things started I am on a DMP with StepChange and out of the blue on Saturday I received a settlement offer from my highest debt. Which I am excited about but also unsure about what to do next…
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What small DFW things will you do w/c 17th June?
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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Do you have holidays if in debt?
I just received a Dave Ramsey newsletter re vacationing if you are following his baby steps programme. Essentially he says no one should go on holiday if on baby step 1 or 2 which is build up small emergency fund and clear debt and only short breaks or staycations if on babystep 3 which is build up large emergency fund.…
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Help with Debt Solutions please
Good Day, I have a few questions regarding my debt, please. I have had a change of circumstance and I am finding it very difficult to make my monthly payments. I was wondering if you could be of assistance please ? The monthly payments are due very soon. My total debt is about £95,000 (with interest). I am not sure what…
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In-laws in debt - advice needed
Hi! Basically, my in-laws are in £70k+ of unsecured debt (some dating back to the eighties!) and my FIL has been burying his head in the sand. As a result, they are defaulting left, right and centre and have a CCJ. He has literally been hiding the paperwork. Neither work - MIL is recently disabled and he cares for her.…
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Paying for holiday in instalments
We are going to Turkey this year and spread the payments over instalments before departing. Great not carrying debt over!!
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Tomlin order
Have a Tomlin order since Jan 18 that I haven’t paid anything towards. Does this have the old 6 year carry on?
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PRA Group - Not a demand for payment. Confused
Hi Wondering if anybody else has ever had one of these. I had an old payday loan that i defaulted on nearly 6 years ago (default cones off my file in october this year). I have started receiving monthly ‘statements’ from a company called pra group, stating i owe them this money. But, at the top of the statement it clearly…
