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Sort out finances after wife lost her job.
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 5200 Partners monthly income after tax....... 0…
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I don't know where to start!
I stopped paying all my debts about three or four years ago. I was hungry and stressed, my depression and anxiety were swallowing me up. I've just ignored these problems for years but a letter has appeared from Barclays which says my debt has gone to Robinson Way and it's made me realise I need to take some control as this…
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Equita and council tax
Hi. I need help. Bare with me as it's a bit long. In March 2017 my partner and kids moved from the family home to emergency housing. Applied for council tax and housing benefit(no income at this point due to waiting for child benefit and tax credits to update claims) Sept 2017 they moved to a different temporary address.…
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Council tax & Equifax
Good afternoon, Not sure if Im writting on the correct forum but here goes.... I received a council tax letter last November stating i owed council tax from my previous address in 2014 for around £240.I decided not to dispute it and offered to pay in instalments of £30 pm.I filled out the expenditure sheet which states…
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Lowell and British Gas - Letter from nowhere
Hello MSE team, Apologies firstly if there is guidance to this elsewhere. I have read a number of threads relating to Lowell's but I am yet to find the guidance to "they need to prove it". I have today received a letter from Lowell claiming I owe them/British Gas £218 from 2011 to 2017. It does not state which property I…
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Payiing into child's savings account while in debt
Hello everyone, I've tried to search for this but couldn't find an answer - maybe it's a silly question... What are your views on paying a small amount (£10-20) per month into a child's savings account when you're horribly in debt? I feel like my debts should be nothing to do with my baby and I would like to pay into his…
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What small DFW things will you do w/c 20th Jan?
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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Please help with Equita and Council
Hi, I am Jon and I have been sent here by a friend who says you are the best people with advice. I had lots of debt left from a bad marriage. But have slowly worked to get rid of it all. I was debt free but then I lost my job due to constantly being off work with stress and anxiety. I've been unemployed since August, but…
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Question about defaults.
Hi, I checked ClearScore and I have a default on my account of £545 for Kapama (I took out a £100 loan from Minicredit in 2011, fell behind, paid back £265 and thought that was the end of it until now). My question is this, on ClearScore for this default it says "opened 12th May 2011" and "updated 6th September 2016". When…
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CC Interest query
Aiming to close off my Aqua card so making small overpayments as & when I get paid for eBay sales. But my first statement after starting these overpayments has got me wondering. For context Decs balance pre interest being added was £885.62, the interest added was £26.31 & the payment made was £35.50 Nov figures were…
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Jurisdiction of Scottish Court?
Background: My partner and I have/had a failed business that we're putting to bed. We had a bad payer on a contract that we couldn't recover from and had to cash-flow borrow some funds from a business lender as a stop-gap in the meantime, which is now due for repayment at a little under £3k. We've been hanging on and…
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SC check - being asked to re submit by employer
Will cut to the chase. Few weeks ago was in £35k gambling debt. Recently gambled enough to pay the whole lot off and a bit more but did it back (!!!! pending withdrawals and delays) plus another few k. I have a SC at my work, I passed it the first time despite having some debt. This time my debt has been doubled. Employer…
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Snowball Calculator
I'm having some problems finding a reliable snowball calculator. I have used Whats The Cost in the past but I found it wasn't very good at handling 0% BT offers on credit cards and now when I try to save or export a snowball I continually get error messages. Then I tried using Lemon Fool but the promotional rate offer year…
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DMP finished Barclaycard want money!
I’d appreciate any advice on this. We finished our DMP 4 years ago. All cleared as far as we are aware. Today I had a letter from Barclaycard saying they’d passed my balance to another company. As far as we know there was no balance. We’ve had no communication from them in the last 4 years until today. Can anyone advise me…
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Help with DMP!
sorry i have moved this post to another area
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Credit Score Improving
Hello all, First post here! We were looking at new houses last night but found out we (I) didn’t meet the credit score criteria. We already have a mortgage and we were just looking to move house. We spent the evening looking at Clearscore and working out what we could do to improve my score. I have a few credit cards/store…
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Repossession
Hi my partner and I are about to have a buy to let property get repossessed. Just to give you the background - the property was mine originally, when we bought our current house the market crashed in just before we moved in which meant that we were left holding my house so we decided to rent it out - The mortgage on the…
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I don’t know what to do
I have debts around 20k. I own a house with my husband but I also have a flat in my name only that I have been renting out for 7 years. I’m a reluctant landlord as it’s in negative equity on an interest only mortgage. The prices aren’t rising so I owe £72k on a flat that would probably sell for £50k. I have had 5 sets of…
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Debt Free Wannabe 2020
Hi I joined way back 9/10 years ago, we had 65k of debt, we went into an IVA, changed our entire lives (no exaggeration). But then we had a series of "disasters" and now we have debt again which i'm ashamed of but determined to sort out. I want to post a SOA but I can't find where people go to do this? If anyone can give…
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LINK driving us mad!
Trying to make this short...we have 3 accounts with Link (originally Barclaycard/Halifax). We did a CCA request a year ago, eventually got details through. Have send letters recorded delivery stating these are our three accounts, this is what we can offer as a settlement or monthly amount. We have done this a few times…
