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Non Judgemental advice please :) mortgage after IVA...
Hi All, Just popping on here to share my story as I know your all supportive. In a matter of weeks I will be exchanging and completing on my property and then moving in with family until we buy a house. The reason I'm selling is to clear my debts, any tips on ensuring I dont rack it up again? Also, my partner had a IVA…
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Safetynet credit
Hi, the above have come back to me saying they uphold my claim. Does anyone know how long it takes to paid into your account? They said 7 days but just wanted to check
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Dealing with my debts
I'm currently living abroad and have a lot of UK debt, around 70K, until recently I was keeping up with payments and managing to clear some off, however due to some interest free periods coming to an end and other unexpected expenses I got into a situation where was having to borrow more every month to keep up the payments…
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Stickies
Hi, could someone point me in the right direction of the stickies for debt free help, please? Looking for templates etc. Many thanks :)
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House repossessed due to council tax debt
Hi there I moved out of the family home (which is mortgaged) 8 years ago and divorced my ex wife 6 years ago. There were some council tax arrears when I left but the council put a charging order on the property so as far as I was concerned that was sorted out, Since I left my ex refused to pay any council tax. I have now…
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pari passu principle?
hi, I have written to all my creditors to share out my assets on a pro rata basis. They all get a certain percentage no matter the amount I owe them so everyone is treated fairly and no one gets more than their fare share. One of my creditors says this is against the pari passu pricnciple that I must adhere to but…
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DCBL collection letter received - disputed amount - isn't due
Hi, I received a letter from DCBL today for debt collection of £109.11 on behalf of Horizon Fuels. They did not include any reference to the actual debt or how this sum was calculated. I'm assuming it may relate to a Fuelpecker fuel discount card I had as a member of the Caravan and Motorhome Club. I had a long drawn out…
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Stick with stepchange or go alone with F&F
So in a few weeks ( fingers crossed) we move house and from the house sale we will have £8000 left over. I want to try and clear the debts with this, I still owe £29000 it’s around 36% and I know it’s a long shot but want to try. I’m with stepchange but thinking whether it’s better to come out of that plan and contact…
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PRA Group and 'Cancelled' Payday loans
Hi all, Years ago i had a bit of a mar4e and was young and stupid and got into the whole payday loan cycle taking out one to pay off another etc etc. In the end i defaulted on a whole bunch of them and obviously they were big black marks on my credit report. Over the years i have worked to gradually pay them off but some…
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What Small Things Will You Do This Week? 08/11/21?
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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Full and final settlement query Next account
I emailed Next offering them £850 (told them gift from a friend) as a full and final settlement for an account owing £1379.00. They have come back by email saying yes they will accept this but credit file will be marked as partially settled? They say “we”won’t chase for further payment but I can pay rest of debt later on…
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Discontinuation Of Debt Claim
Hi all, I received a letter from the debt company dealing with an old debt stating that the claimant has instructed them to discontinue the claim. (They were looking to get a CCJ against me) In the letter I received the Notice of Discontinuance from the courts. Debt Company are saying I still owe the monies even though the…
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Help! Payplan threatening to shut down our DMP because no fixed abode
Hello there👋, Hubby and I have been on a Debt Management Plan with Payplan for about 14 years - as the big financial crash hit - and we are very very grateful for it. Unfortunately we had to leave our rented accommodation in 2009 due to loss of income and have been homeless ever since, living in a caravan on various sites.…
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Debt settlement
Hi, I took a loan with Welcome Finance in 2005 and I haven't paid back in full yet. I wish to settle the debt to clear my conscience but I learned that Welcome Finance and their parent company Cattles have closed down. Can anyone suggest to which company should contact to pay back? Is there any debt recovery agency I can…
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SOA
1 adult 9 children (4 teenagers) Wages/Bursary: £2090 Benefits/tax credits: £2501 Total: £4791.00 Rent: £448.39 Utilities: £176.00 Phone: £22.50 Internet: £24.50 Life Insurance: £23.51 Car Insurance: £165.00 Car Tax: £42.93 Car repair fund: £20.00 Car Fuel: £85.00 Dentist: £16.00 Swim/Gym: £23.20 Experian: £14.99 Amazon…
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Settlements with Creditors - advice appreciated!
Hi everyone So firstly a little backstory on my situation. A few years ago I had issues with my business (I moved to a new Premises which got unexpectedly closed down one day due to my Landlord defaulting on his Mortgage and leaving me unable to trade!). I was suddenly faced with no real income for around 18 months, whilst…
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Living costs
I've been on my dmp with SC for coming up to 2 yrs, started with Token and now paying around £100 over various debts. I need to do my review but I'm not sure how to handle it as this yr we both became pensioners and carrying on working part-time as we have not had a new kitchen for nigh on 30 years + we needed to buy a car…
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HELP! Defaults on credit file despite contacting the lender to pay, they have ignored all letters.
Hi all, New poster. I am at my wits end and really need help. I discovered two defaults on my credit file 6 months ago - one from Santander and one for 20 pound from Virgin Media. They were both from 5 years ago - when I was younger, irresponsible and moving multiple times a year due to being a student. I have contacted…
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Clearing my debts!
I have been in an awful position with debts and I have managed to clear all but 1 of them! Which I am so so relieved and proud of. The last debt is with Audi FS. I haven’t received any letters from them so I have been calling and asking to settle the debt. To which they’ve advised it’s no longer with them and is with a…
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Newbie post! Is this classed as Statue Barred? Advice please 😊
I had a default that come off my credit rating a year ago. During this time I had no contact from the company, and I made no contact with them. In fact I don’t think I ever acknowledged the debt, which is why I ended up with the default…. a few months after this default came off, I started to get letters and emails,…
