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Here is my SOA, looking for advice.
Hi, I am looking for some advice on how best to go about reducing my debts. I have spent the last couple months trying to cut out excess spending and uneccessary subscriptions/services but as you will see from SOA below I am still running out of money every month. I am getting worried because the fixed rate on my mortgage…
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Request for Payment of Unknown Debt
Hello, My Wife received a letter for an unknown debt a few months ago, we ignored it as we just thought it was a mistake. We have just received another today. It is from Dryden on behave of Capquest for a capital one debt of £600 from 2017. It states they have a CCJ against her too. This the first we have heard about it,…
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DMP and Redundancy
Hi, I've been trying to look on these boards but can't seem to see a clear answer. I have a DMP and I'm in danger of being made redundant. My redundancy pay should be be more than enough to pay off my DMP however I was wondering do I need to declare this when making F&F offers? This money needs to keep my family whilst I'm…
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Partner has debts!
Really sorry if there is already a thread for this, I’m new to this and I am desperate for some advice. I’ve been together with my (now) husband for 3 years. We’ve lived together for about 2 years. When I’ve cleaned the house I kept finding letters from debt collecting companies saying he owes £500 - £900 - £1500 etc. to…
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Advice & Help needed please
Hi all I am hoping for some advice and direction really and this will be a long thread. Over 10 years ago my disability worsened and my partner who works full time as well as being my carer was struggling in assisting me, after an assessment by occupational therapist recommended it was unsafe for us to stay in the house…
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Debt payment plan Scotland
Hi, I have debt of around 25000. So I am considering a debt payment plan. One question I know it's a fixed monthly, my question is if I work overtime in a month do the payments increase? Thanks
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Help needed
Okay, I'm new to this so please go easy on me. I've managed to get myself into 35k of debt on credit cards and it's getting to a point I'm worried about paying my min. Dues. I get paid 2000 a month and my bills themselves come to 1750 and this is before I've paid for petrol or food. This month is especially hard as I have…
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Missing Debt
Hello, Thanks in advance for reading this post. I had an old £7K debt I was paying off from my student days. It is a Barclays consolidation loan from circa 2000. However, it has strangely gone missing from my credit report, I no longer receive any letters about it and the direct debit I had doesn't seem to exist…
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What is the timeline for failing debts?
As in, if I don't make a CC/loan payment that's due today and just bury my head in the sand, how soon can I expect a default and a CCJ to happen?
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How do Jacobs Bailiffs get away with it?
Had an arrangement. Was paying it for just under a year. Missed a payment because despite me proving and pleading I couldn't afford their demands they insisted on more than I could afford. 24 hour removal notice comes through the door. £235 fee added onto my debt. £235 added for a hand delivered letter. This is what I want…
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Budgeting and saving tips
Hi I’m New to this site and Just getting used to navigating. I’m on maternity leave and when I go back to work next year will have to pay around £650 a month childcare costs. We are in around £20k cc debt and at a point where we can’t move them around as the 0% ends. Have been thinking about trying to consolidate this on…
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Leaving StepChange
So I've decided to come away from Stepchange and manage my debts myself - has anyone done this and also can anyone advise me on the best way of going solo!? Where do I start?!
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Help will i go to jail
Hello All 10 month or so ago i quit my job A few days later i applied for a loan of 8000 I lied about my income and said i was working and earning alot more than i said i was. Few month later i also took out another loan of 9000 and said i was self employed earning xxxx amount again lied STUPID I KNOW !!! please bare in…
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Husbands Surprise debt..help with best plan of action
Hi Guys I recently discovered that since buying our first home 3 years ago my husband has managed to rack up a huge debt. After buying our house we consolidate our credit cards etc into a £7k loan, but since then for various reasons and silly mistakes he has managed to get this total up to £32000 .. without me knowing. We…
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What small DFW things will you do w/c 16th 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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Letter threatening litigation.
Hi apologies for the length of this post. I have some questions that I would be very grateful if any would could help with. My partner who has a diagnosis of Bipolar ran up a series of debts during a period of mania and sectioning in 2012. Due to financial pressures we defaulted on all our debts. My credit default is…
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Help please
Hello, new to here again this time I've had an emotional breakdown (not a mental one) due to spiraling finances. I let slip to a friend how bad our situation is, she enforced me to ring step change for advice which ended up a 2hr phone call going thru everything and many tears shed! For many months I've been telling oh…
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Surplus after repossession and outstanding interim orders
Hello. I'm midway through divorce and my house has been repossessed.Fortunately it was sold quickly and I have been informed there is a surplus. I The mortgage solicitors have wrote to me and told me to inform them about and other charges on the deeds, or any claims and disputes so the surplus can be paid out. On the deeds…
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I wanna be debt free!
Hey, So I’m 21 years old and in a stable career taking home approximately £1700 a month post tax. However, silly 18 year old me got into financial difficulty and racked up £17,500 of debt. £12,000 of which is on a very, very high interest loan. The rest is a credit card. I really want to be debt free but I’m struggling to…
