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Expensive Loan
Hello. I'm a 31yo design engineer from Yorkshire. Having spent most of my early 20's jumping from credit card to credit card and acruing ridiculous amounts of car finance I've spent the last 3 years wrestling the credit cards and loans under control. Last November I was finally able to get all the debt in one place with…
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Finally got a DMP
Not what I wanted but if it helps my partner realise we need to deal with it now I'm all for it. Our payments started recently so all good I assume. Our remortgage will be around same time this plan ends in 5 years. Anyway could I get some advice. I've always been one for saving to buy unless like when I saved for a…
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Debt - I've messed up badly.
Hi, This is really hard to write. Please go easy on me because this is the first time I'm reaching out on this to anyone, and no one can criticise me more than I'm doing myself. I'm currently at the point where ending it is starting to be one of my options. I'll do the excuses first. about 4 years ago, my wife got very ill…
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Newbie- Overdraft help!
Hi guys I need advice/help regarding my overdraft. I’m a newbie to this forum stuff, so I hope I’m in the right place. I’m currently have a HSBC Advance account with an overdraft limit of £4400. I’m currently stuck in the overdraft upto £3800. I got there by being reckless with my money and having holidays I couldn’t…
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Help/advice
Hi was wondering if could get some advice as in bit of bother After drop in income. Struggling to make keep up with payments, we have not missed a payment to date. Just need help as what to do moving forward Thanks guys x Household Information[/b] Number of adults in household........... 2 Number of children in…
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help with ccj and statusbarred query
Hi All, Im hoping that you can help me and shed some advice on a recent ccj I have received. It is for a very old loan which i had no recollection of, from a payday loan provider (Quickquid) the original default date with quickquid is over the six years status barred period, however it has been sold to a collection company…
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mortimer clarke debt
Dear MSE People, I had a capital one credit card somewhere in 2008 and ended up in financial problembs in 2014.I tried to make payments towards it and my last payment was in November 2014 and January 2015 I got a default issued.The passed my account to drydenfair sollicitors then to Mortimer then back etc.In September 2018…
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Please may I have some advice?
Hello! Happy New Year to you all. As with a lot of people, the new year has made me want to tackle the debt I have. Currently I have an overdraft of £1500, credit card debt of £300 and a loan of £2,800 (down from £5k). These are all with NatWest. My current account (with the overdraft) is a Select account. But I also have…
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Is this a stupid question...
So I am considering changign jobs because the commute to a distant city (60 odd miles a day in rush hour) is too much. But local jobs pay less. I mean a lot less. My bills, including a contribution towards the mortgage (OH makes up the rest) are £1784 a month. This includes debt repayments (£696) and bills like phone,…
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Using pension money early
Hi, Is there any legit way off getting pension money at the age of 40 to clear debts. I find it amazing people can struggle so much but have a decent sum of money sat in pension funds. Thanks
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Time to face the music
Hi everyone. Ive been reading through this forum for a few days now, and was hoping to ask a few questions. Sorry if you feel like your repeating yourselves. My salary take-home is £1400 and my debts are, NWest loan £184 (monthly payment 39) NW loan £4624 (139) NW loan (133) NW loan £1860 (82) NW CC £3100 (75) NW CC £2300…
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Cabot financial
Hi. I've just been offered a reduced settlement on an old debt by Cabot that i want to take. Does anyone know if they allow you to pay the reduced settlement in installments?
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MSE Credit Club not working?
Hi there Has anyone tried updating their details in MSE credit club? It is asking me to update my addresses even though it is blanked out and you can't do it. Very frustrating.
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ccj what happens when not paid
any advice welcome. will try and keep this as short as possible. partner has a ccj from 2014. two partners in business. both partners had a business credit card and my partner handed his in to bank when business closed - however his business partner carried on using his to book holidays, pay his mortgage, meals out etc. my…
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Advice on starting afresh
Hi all, Hope this is the right forum. I am about to proceed with an IVA and having made this decision I have come to the realisation I was never taught all the should/shouldn'ts of money, and maybe never wanted to either! I have a bank account and receive regular wages and if the IVA is approved will have some bills but…
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How best to allocate a lump sum to my debts
Hi I have a a number of debts and a lump sum of £1000 that I wish to allocate to them (this year I am aiming to put a real dent in these debts that have been hanging over me for so long). I need some advise as to the options I am considering as I'm not sure hows best to use this money. 1. I have a large debt that has a…
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Mixed feelings and feeling depressed
So i am now three months into my Step Change managed DMP. I did think by now i may start to feel less depressed but that hasn't proven to be the case. A lot has gone on in life over the past few months - my emergency fund has been hammered to almost nothing, my dad has been diagnosed as being terminally ill and my mum has…
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F&f settlement offer, please help
Hi everyone, i just received a full and final settlement offer for a payday loan i took out last July . it was Lending stream but they sold the debt to CRS. I owe £502.17 and the offer they made is £351.52. I think what they wrote in the email is sufficient in that any debt recovery will stop and it will be marked on my…
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Lowell chasing money,
Hey Everyone, Never really been in this position before, usually when a debt comes through the letterbox I will just set up a payment plan with whatever company and carry on until the debt is cleared, but this is really stumping me and I genuinely don't think I owe the money. I have a statement from Lowell dated 2/1/20…
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What small DFW things will you do w/c 6th 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…
