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ADVICE NEEDED ON A DEBT NOT PAID FOR 3 YEARS
I would like some advice on a debt (old credit card debt that defaulted in 2011) that was passed onto a collection agency a few years ago. I have not made a payment for 3 years after having a letter from them to say that the debt could not be enforced, therefore I was hoping after 6 years (3 more to go) it would be statue…
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DIARY CLOSED - DEBT FREE IN SEPTEMBER 2022. I was in debt for 33 years.
Hi, all. A quick intro - 48 year old Dairy Farmer's Wife from gorgeous Pembrokeshire in SW Wales. Been in debt since the age of 18 (when I was offered an overdraft with a student bank account). Varying amounts over the years, and mostly always been paying well over the minimum amounts each month - EXCEPT for from 2003 when…
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Getting my life together before hitting the 'big' 3 0
I've always known how to budget and live within my means, which makes me even sillier for not getting it done! In 1 year and 8 months I'll be turning 30, and I want to enter that chapter of my life being well on my way to a frugal, financially independent future. The biggest flaw in this plan is that I have a chronic…
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Rescuing myself from drowning even deeper -
I've only just found the Forum and so wish I had done sooner, Overview - Married couple, moved into our 'forever' home in Feb 2020, Lockdown began March 2020, Baby 2 born June 2020, and heads in the sand from then until around March 2022. So turns out we had been spending and spending and spending, without stopping to…
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Scared & unsure
Hello, So I've got to a point where I just cannot continue the way I am but I'm really unsure about what my next step should be. I Currently get paid £1400 per month (I was promised a rise in Sept, back in March but haven't heard anything from by boss about that since) I have the following debts: Natwest cc £3690 Natwest…
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Desperate for change
Hi all, I am posting this in the hope for a little encouragement. I don't even feel that I can go into all the detail of how much debt I am in but I know it's about 60K+. I have a good job earning really good money. A house with a decent amount of equity and a good mortgage deal. But I am overdue on my credit cards, I have…
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Dancing through the rain with a smile and good cheer
The other titlel to this could be Dancing through the rain of debt and chronic illness but I am determined not to be negative. I have had a diary before Life begins at 45, this was my first post on 28th July 2014 just shy of three years, and well life didn't begin and has been quite static. I had high hopes..... This is…
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Climbing Out Of This £45,000 debt
So much debt! I am hoping this is as bad as it gets. It's
time for me to sort this mess out. My finances have
completely spiralled out of control over the past few years (especially in the last
12 months) and as I sit here today, I owe a staggering £45,362.67, mostly on
credit cards. In order of highest to lowest interest…
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DCAs, Bailiffs and HCEO
Can anyone tell me the differences between all of the above? I know a DCA only has power if we give it to them and are hired directly by clients. Are Bailifiss county court collecting CCJs only? Can they collect liability orders (which I believe are not CCJs) What does a High court enforcer do?
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In panic mode
Hi, not sure where to start so trying the diary option but any help will be greatly appreciated. I’m claiming UC and housing benefit. after deductions £689 deductions: tax credit recovery £10 council tax arrears £16.75 bedroom tax £60 spending £657.60 rent £442.86 council tax £9.00 dual fuel £20 water 37.90 internet &…
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Trans girl in a financial hole looking to juggle my way out.
I need to keep myself honest with what I'm spending, what I'm paying off, what credit I'm using. I got into serious financial trouble maybe 5 years ago, and I'm coming so close to the end of a debt management plan but I've taken out loads of other credit in the mean time and it's becoming unmanageable again. I don't want…
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Cleared
Cleared for new one.
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Time to clear the remnants of my old life
I've decided to start this diary as I have some very old debts that I want to rid myself of! All of them are interest free and on token payments which is great - but as a result, they've sort of slipped to the back of my mind, the money just goes out every month and I don't really think about them 🙈 A bit of background- dh…
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Chomping our way to financial freedom one meal at a time
We started 2015 with £39k of debt as the house needed some major work and spent the next 5 years hard core budgeting to clear it, booked a fantastic holiday in 2020 (saved for in advance) to celebrate and were looking forward to having more available cash to enjoy ourselves! 🤣 Mr Star WFH during COVID allowed us to finally…
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Doris's 712 Day Journey
In 712 days time I will be 55. My new plan is to be debt free, my current debt is £9194.66 spread across three credit cards. All cards are 0%, CC1's 0% ends on the 1st December so this card will be paid by then. CC1 - £982.19 CC2 - £6267.47 CC3 - £1945.00 Have finished working full-time for someone else and be working…
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Choccy's last debt diary! Tme to stop messing and focus.
....so here it is! Last debt diary and a lovely fresh start to keep me focussed and get those outstanding accounts down to ZERO! Debt on 31/12/17 was £16271.56 but currently stands at £10241.08 today after a lot of ups and downs. I'm about to return back to work after a really long 16months off after an accident. We've…
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Steph does debt
Hi all! I thought I'd get my thoughts and wins (and loses no doubt!) Down while on this crazy journey! So bit of background... I'm a mum to a toddler, a nurse, a partner and in around £17k worth of debt! I've been in debt for such a long time, over a decade but it's time to change! I buried my head in the sand in 2012 til…
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In denial no longer!
I've been reading all your inspirational posts on here for a few years now (I'm more of a lurker than a poster) and thought that it would be really helpful in the current climate to create my own, hope that's ok! A bit about me - I have been a SAHM since March 2020 (lost a part-time job due to the pandemic), luckily DH has…
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2 Humans, 2 bunny's and debt!
After lurking for a long time, being inspired by all your diaries nows the time for me to be a proper grown up and start! Quick overview while I drink my tea before work... 2 humans - me and Mr Bunny (he'll hate I call him that!) 😂 recently married but together 10+ years New build house, purchased on the help to buy scheme…
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Back to try again..
Good evening, I come on here to read the diaries pretty much every day, such inspiring people on here! I did have a very short lived diary last year but have come back now as a new member to start afresh. We are on a DMP and have been since February 2016. Our debt when we started were just under £30000 and as of this month…
