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Boiler breakdown while on DMP
Hi all I hope this is the correct place to post. I was struggling to find a thread that covered something similar. I have been on a debt management plan with stepchange for the last 2.5 years and on the whole it has been going ok. I am currently on reduced payments due to Covid19 related financial related issues, but other…
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Rossendales....
Everyone's favourite company have added yet more fees (reason unknown) on to a council tax bill I am trying to pay off! The original amount was £1286.68, of which I immediately paid the £86.68 and offered to pay a set amount each week. They dismissed this, added on £75 and said I must pay £40 each week. This was in August…
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Link Financial Full and Final settlements
Hi everyone hope you doing good in these testing times. Ok so I have a couple of debts with link financial and I am looking to do f + f settlements. These were originally with Halifax, 15000, 3000, 2500. Halifax offered me f + f of 7500 for the 15000 but I didn’t have the funds available at the time. Subsequently sold to…
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Should I use half of my savings to pay of debt?
Hi all So I’ve managed to stash away around £1000 as a safety net, but I’m thinking starting this payday to reduce it to £500, and use £500 to pay off some debt and maintain it at £500. I use a credit card for small daily purchases and fuel and pay it off in full every month, so I was thinking after bills + credit card to…
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Mental Health Discount or Reduction-fee forms
This discussion was created from comments split from: 'I ran up £1,000s in debt while suffering from depression... now I'm digging myself out of it'.
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Poor credit Iva or not please
I’ve been reading these answers for years but not sure I’m posting correctly , I hope I am. I’m really hoping for some advice about my partner and his credit score . To cut a long story short he spent the entirety of his late teens and early twenties borrowing whatever he could from all sorts of companies , his mental…
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What small DFW things will you do w/c 25th May?
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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Reclaim Charges
Hey Everyone, Hope your all staying safe during this time! I am looking for some advise I have had a few debts that were defaulted on a couple of years ago and I have been using Resolver as recommended by Martin Lewis to challenge these and I have had some that have agreed to refund what was owed to me. There is one…
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SOA Advice
Hi I have read these threads for a while, so wondered if I could join and get advice? I would like to organise our finances to try and pay debts off as quick as possible, save a little at the same time, and also be a bit more prepared on upcoming expenses, rather than feeling like we are planning month to month? I have…
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How long did you take paying off your debts and how did you do it?
Would love to hear everyone's stories. I currently have 3.5k to shift. Putting absolutely everything into it for the coming year because I'm desperate for a mortgage. Im working extra hours from now till next year to save and pay off debts! Want some inspiration that it can be done and the road isn't so daunting!!…
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Newbie - Determined but confused
Hello I don't know where to start and apologise if I waffle. All of my adult life I have been in debt and had my head in the sand. I have got to 40 and for the last 3 months have been working hard on sorting out my finances. My credit files are embarrassing to say the least. I have written down what's on there but I don't…
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Debt Advice - Finding old debts
Hello First time poster. In my past i was very reckless with money, starting at uni but really kicking in when my dad died. I was drinking, gambling and all sorts. I am now, well i think i am, debt free. My debt was all payday loans and i did not keep track of them. I reckon i borrowed near on 10,000 pounds over the period…
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Should I supply a copy of my credit file?
Hello! I hope some of you will be able to offer some advice... And apologies if this been previously covered but I couldn’t find anything :) I recently complained to a company as they have changed the default date of a debt so it’s never been removed from my file. I believe they’ve actually done this twice. They’ve asked…
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Issues with a DPP (DAS - Scotland)?
I was just wondering if there is anyone else that has had issues with a Debt Payment Plan and creditors being awkward after you repay? We paid it off i April, and yet none have reported any balance changes nor accounts as 'Satisfied' (I have checked and yes, it is that as we as debtors paid the full amount owing -…
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Can somebody clarify 'default balance'
Hi, So long story short, I have been waiting for my creditors to default my accounts before starting my self-managed DMP. Have not had anything in the post in terms of default notices with dates etc. I have just logged in to credit karma and credit wise and can see that on some of my accounts where there has 4 missed…
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arvato/barclaycard
Hi , I have a debt with Barclaycard I was paying through Arvato, through my own stupidity of missed payments it has been closed and passed back to Barclaycard. I want to contact them to reorganise payment, but have no idea who to contact. I live in ireland so can not phone the free phone number. Would appreciate any advice…
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Credit card never defaulted...please advise
Hi, I have a credit card which I have been paying a token payment on for many years, my other creditors defaulted me years ago, they are due to drop off my file in about 2 years, but this credit card is a real problem. When I was ill and everything went to the wall about 6 years ago this was the only company who carried on…
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Advice for a newbie
I would like some advice. I want to work out how I prioritise my money. At the moment, I should have got my Car MOT done in April but with lockdown I could not get it done as I was not working. I have arrears of £350 on a loan, and arrears on my rent of £88. I have arrears on my electricity. I have managed to put together…
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Advice would be most welcome
This is a big step for me, and today has been the tipping point I guess.I've been a member for a long time, I don't post much, mostly because I don't have anything interesting to say half the time. Anyway let me begin, this may take a while. So today I received a letter from Wescots debt collection agency, chasing me for…
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Anyone had settlement offers accepted during Covid?
I have written to my creditors explains that I can’t make the payments for the foreseeable as I currently can’t work during the Covid crisis. My son has offered me a small lump sum to try and clear them. The settlement offer letters are being posted today what I was wondering/hoping is.... due to many people not being able…
