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Help. Which accounts should I pay first?
Hi, i was wondering if anyone could help me increase my credit score. Me and my partner are looking at buying a house this year, but due to being young, silly and naive a good few years ago... my credit rating isn't that great. Its poor actually. There are 5 old account and 2 relatively new ones. The old accounts have…
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Council tax help
Hi all, I'm at a loss as to what to do so I'm hoping you all can help! I moved into a property in September 2013 and left in February 2014. (Council) I notified the council and also the housing association also notified them. A new Tenant moved in 2 weeks after I left. Now my issue is, I am receiving letters off Bristow…
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Debt free 2020
Hi Everyone, I've been reading the treads for a while now and decided to post my own SOA. We have a significant amount of debt we are trying to pay off in a year or so. Most of the debt is from home refurbishments. (windows & doors, boiler, bathroom & garden). We bought our first house quite naively not realising the…
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DMP and Default Dates
Source: [URL="https://forums.moneysavingexpert.com/discussion/comment/68445659#Comment_68445659[/URL] Is the ICOs own internal guidance for their case officers, quoted below, still valid? and
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SOA - Any advice gratefully received
A few people on here suggested I fill an SOA in, so here it is! We've had credit cards for as long as I can remember, cleared with a loan a couple of times but always gone back to the bad habits of living beyond our means and just putting it on credit. Bit older, and almost wiser, and we seem to have stopped reaching for…
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Opening up to partner about debt!
So I posted this on my diary 'Debt Free by 33 in 2023' [https://forums.moneysavingexpert.com/discussion/6086614/ynab-ing-my-way-to-freedom] and thought I would post it here to so that if anyone else was in my situation and hiding their debt from their partners. Here's how it went for me last night.... Oh My Word! I can't…
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Will Ebay debt show on my credit file?
I sold a couple of things on Ebay a couple of months back. My account has always been hooked up top make payments automatically through Paypal but for reasons unknown it didn't this time and so I owed an outstanding £21. Ebay is connected to my old email so I didn't know about this until I got a text from a company called…
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Help ! How to deal with avarto and moorcroft!
Hi everyone, Moorcroft and avarto have both been chasing me for something or other, I've looked them up online and seen they are debt collecting agencies, anyway I'm certain I don't owe them any money because they are addressing me in my married name (I only got married in 2019 and am yet to change my name over with most…
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Moorcroft Debt Recovery. Help please
Hi all I have a credit card with Nationwide with a remaining balance of £1100 (this is just one of my debts). I have recently been receiving phone calls (haven't answered) from Moorcroft Debt Recovery requesting to speak to me about this debt! I haven't received any letter correspondence from them as of yet. I was on a…
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Advice needed on how to proceed
Last year, I was diagnosed with breast cancer. I was on long term sick for a year & during this time our finances have suffered greatly. I am now well & back to full time work. As a couple we earn just over £80k but have lived on credit cards for the past 12 months. On top of that, over 10 years ago, we took out a second…
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Self managed DMP
Hi ive been a lurker on these forums for a couple of years now and reading other peoples posts inspired me to start a DMP through payplan 18 months ago which is all going well. My problem is my 2 biggest creditors (virgin & TSB) havent defaulted my account and are still charging interest dispite me contacting them time…
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Psychological benefits of using savings to clear debt
Can anyone give me an insight into whether they felt it was worth emptying their savings and becoming debt free? I have £4643 interest free on credit card and £4700 in savings. I know the smart thing to do is keep the savings but the fact i still have debt is stressing me out as I am in the final stages of paying off over…
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Looking for advice - house sale!
Hello! So on Friday my house that I owned with my ex will complete sale, and I will receive around £10k back. Unfortunately in the last year I have ran up some debts and not sure what the best way to clear them is. Either I use all the money to pay it off, or keep hold of the lump sum and use the extra money I will have…
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What Small DFW Things Will You Do w/c 13th January 2020?
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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Statute barred
Sorry if this has been asked hundreds of times before, or even if I'm in the wrong place. But I am after some advice, so here goes.. I received a letter before Christmas from the PRA Group about a debt they were trying to collect. I didn't recognise the name of the company they were collecting for. They were after a…
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GDPR SAR or CCA Request?
Hi, new here, I've been reading various forums and opinions are split... can I get some advice on what's best to do? I've buried my head in the sand for a year or so and have £33k of debt showing on my credit file, most are with collection companies and I'm not sure about the origin of all the accounts. Cabot is showing…
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Help with Debt please
Hi, I have my own company, but through last year the bottom fell out of our market and I had to borrow money to pay off contractors (rather than leave them owed money) and then stop trading completely. I now have no income, and personal unsecured debt of c. £52,000 (to Hitachi, Post Office, Visa and Monzo), which costs me…
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Debt free for Christmas
Hi all, I wonder if someone can help. I've been on a debt management plan for the last 10 years (poss more) I have been writing to all of my creditors with my financial info every year to show what I am able to pay. It has been going well. My credit file is only showing one of the debts, there are 8 more creditors. The…
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Domestic Violence - Financial and Economic Abuse
I am just posting this to help people to identify this type of abuse when advising members of their options. What is financial abuse? Financial abuse is an aspect of ‘coercive control’ – a pattern of controlling, threatening and degrading behaviour that restricts a victims’ freedom. It’s important to understand that…
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Matched betting - anyone used it to chip away at their debt?
Hello all Just starting a thread to see whether anyone has used matched betting to chip away at their debt figure? I've done some calculations last night and, if it is true about it being risk-free, it is certainly a very attractive option. Not looking for tips on how to do it as there is lots of advice out there, just for…
