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Dmp
Hello All I am so nervous as I begin to type this message. I’ve have been so foolish in the past with money and have had a Dmp with step change and managed to pay back £13 800 with another £20 000 left to pay. I left my dmp as I couldn’t keep up the £350 payments as I had never set up any emergency funds and I was starting…
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Debt consolidation
I’m looking at ways to consolidate existing debt - to pay off as much as possible in the shortest space of time. The likely increase in credit card interest rates is making me think I should look at doing something different to help avoid a debt spiral? Currently my main debts consist of 2 credit cards both with around…
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Is there a CC that will allow a super balance transfer to clear overdraft?
I am looking to clear approx £1000 of overdraft using a credit card which I will then clear with a 0% card is there such a card available?
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A Win - but not quite, just yet
Hi all I had a debt with a credit card company for 2008, that was defaulted on, at the time I didn't recognise the debt but being young and naive and having lost my job I didn't have the strength or knowledge to fit it. I haven't made payments for years on the debt, but it isn't yet statute barred, so I asked the debt…
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Close to 20K in debt what should I do
I've made a spreadsheet showing my debts on credit cards and loans please see attached screenshot, I seem to never have any money even though I work 45 hours a week, seeking help or advise please. I don't have any promotions on any credit cards to shift balances either.
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Default wrongly applied to my file? What do I do now?
Hello all, I'm desperate for some help. I believe a default has wrongly been applied to my credit file and if effecting my reportage application. To cut a long story short, I had some credit difficulties some years ago and went into arrangement to pay with Santander on a credit card and my overdraft. These go back to 2011.…
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Trying to find a solution to a break up debt
Hi, Ideas would be very welcome! Just over a year ago, my partner and I bought a house together. She put in most of the money, I paid the deposit each month, and we agreed to split the bills. Because it was far more her investment than mine, we signed a deed of trust which ensured that she would keep the bulk of the money…
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Most efficient way to settle debts
Hi, I'm in about 4k out of debt and am in a position to be able to sort it out soon as my husband has inherited some money. My credit file is absolutely knackered, I have a ccJ and loads of bad debt that has been sold. My house is in my husbands name and so is the mortage, so I want to do the best way that will be the…
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British Gas debt collection letters
Hi, last yr I had an account with Neon Reef for electric only. For those unaware, they went bankrupt and were taken over by British Gas Evolve (now British Gas). Due to the general chaos and uncertainty I ignored communications til now where there seems to be some stability. British Gas moved me on to a standard variable…
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what Small Things Will You Do This Week? 19/09/22
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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DMP and credit file clarity
A little DMP clarity required… Hi all, Ive been with SC in a DMP since December 2019 and as of now my estimated completion date is May 2034. in the new year I intend on seeing how I can maybe clear some of the smaller accounts on there in full so my payment is focussed on the larger debts and in my quest to understand…
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I need major help
So this is my story when covid hit i was a self employed builder, when we was in the lockdown i was unable to work not entitled to furlough nothing i rose alot of rent arrears electric gas council tax etc now then my ex partner left me as a single parent i had to take the kids on which i did claim benefits for my youngest…
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Will I get a missed payment?
I am a bit concerned and annoyed really. I signed up to a free magazine subscription for 6 weeks, I decided I did not wish to continue past the free trial. The website says to cancel the direct debit and inform them if you wish to stop and they will either stop it at the end of the payment period or immediately if you ask.…
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DMP
I have today been in touch with Payplan and they have recommended a DMP over 8 years to clear my debts. But I’ve read another post that says it’s not a good idea? Does anyone have any experience of payplan or a DMP? I’m worried I might do the wrong thing by agreeing too it?
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SSP
Hi, I have Covid. Again. We only get 2 weeks sick pay after 6 months employment and I've been there 5.5 months....typical! Can I claim SSP if I'm off all week? I can't afford to be off
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Horrified. Minimum payments for life or DMP
Hi all. As the title states I am completely horrified at the state of my finances and the huge sum of debt. Over £30k of debt :'( I have lurked around the forum for a few months as I’ve come to realise this is a problem I must deal with. I did complete a SOA, however it shows I am 500+ short for minimum repayments, however…
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Prac/bwlegal & british gas
Hi all, Has anyone been contacted about outstanding money owed on a british gas bill for the years 2017, I was already paying another energy supplier for that year. I havn't had a British Gas account for over 20 years. So I know this is a scam. How can we stop these parasites from praying on us.
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Settlement Figure vs Large Monthly Overpayments
Hi All, Hoping someone can help here as confuses the hell out of me. We have been in the position for a while where we are chucking large monthly sums now at our debts and have just cleared all our Credit Cards. Next up we a few loans to go after but hoping someone could help me understand which would work out cheaper…
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Marstons Help
Hello All, I am just looking for some advice for a bus lane fine I have received from Ealing Council. There are a few issues i have and just needs some advice on what to do next. First of all i was completely unaware of the fine as it was sent to my old address the week before I got my updated licence and log book after i…
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Had to smile at this!
Had 2 credit cards, 1 in each of mine and hubby’s name, they froze the interest while we were through stepchange. Then when we were in a position to pay both balances off - I was so glad. We haven’t used either card since (both have been destroyed and removed from Apple Pay and PayPal). Will show hubby when he gets home…
