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What Small Things Will You Do This Week?? 05/09/22
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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Trying to pay down Santander car finance, any tips?
I have HP car finance with Santander, with 23 months left of a 5 year agreement. I have a clear budget atm, and have fixed my energy for a year. I'm absolutely desperate to get this finance cleared due to my circumstances having changed since taking out the finance, and even more so with everything going on right now, and…
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Experian & Equifax credit reports
I've used the Experian credit reports for years now - my credit scores have always been either 999 or somewhere close in the high 900s. So I was surprised yesterday (Sept 3, 2022) to find my Experian credit score had plummeted to 704. No obvious reason to me, other than that some of the underlying data was wrong. Then…
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Renting on a DMP
Good morning I am one year into a DMP and defaults have started to show on my accounts. My partner and I are looking to rent. house together and I’m worried I won’t pass the credit checks. I’ve check my file and I have no IVA or CCJ, I’ve got no overdraft and can afford the property. I’ve had mixed messages on Google on…
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Repair or move
I'm single woman in my 60s. I have a modest income but own an old terraced house outright. It needs upgrading with at least the following work: rewire, damp proofing downstairs in the front room, a couple of windows replacing, floor levelling up in the back reception room, 4 rooms decorating, new flooring/ carpets in three…
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Spending urges
This may be long; so please bear with me. I am crap with money and always have been. My gran used to give me £10 per week pocket money and send me down her local shop to spend it. I believe it was her encouragement to spend it that has contributed to my messed up attitude to spending. About 30 years ago I came into a…
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Solving the problem before it becomes a problem
After reading a few other threads around here, I decided to do a SOA, and I was quite surprised to find that I'm actually not doing too well, which explains why I have had to dig into savings a couple of times already this year as prices of everything have gone up. I would like to solve this before it becomes a problem. In…
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increasing mortgage a bad idea?
removed, thanks for advice
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Daniels Silverman debt recovery query: offer to pay previously refused, so why this harassment?
Hi, I'd be really grateful for your opinion and advice on this matter. My query is about how to treat a debt collection letter from Daniels Silverman on behalf of their client, a main contracting lift engineering company for whom we did a lot of work as a limited subcontracting company about a year ago. Briefly (details…
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IVA - Advice, concerned parent
Hi and thanks for accepting me into the group. My 22 year old son lives at home with us, he’s got himself into debt and unfortunately due to work circumstances we’re unable to help him financially at the moment. Having grown up conversations with him is near impossible because at that age, he knows everything, added to…
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Made contact to creditors to avoid DRO but no luck
I've got a fairly complex and long on off debt problems. I had in place about a decade ago some payments plans with reasonable rates, in the last 4 of so I've clear a CCJ, I was on the up for a good amount of time, but for for difficult reasons, I've slipped further into debt across multiple cards and a loan. I've filled…
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Symbio / Credit Style
I was a customer of failed energy company Symbio when they collapsed. Unlike most people, I owed them money when they went under. I was contacted by the administration team and set up a payment plan with them to repay the money I owed. I have been paying the amount every month since then, and the debt was fully paid off…
