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Arvato Barclays Debt
I have a letter from this company Arvato for an outstanding Barclays Bank debt. I'm assuming Barclays have sold them the debt? The letter gives a web address of a portal to make payments and/or set up a repayment plan. In fact the portal does NOT work at all, literally nothing works and they seem a very amateur outfit.…
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Missy, Roo and May Stretching out every last penny whilst drowning in Budgets, groceries & laundry!
Hi! I thought it was definitely time for a new adventure. I'm a 30 something mum of 2 small people 5 and 7, I work mostly from home and have a wage that doesn't match my outgoings. Lightbulb was this months rent that I had to put on my CC, which i know is a very slippery slope. So I am going to use this to keep me…
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Reported the fraud, what next?
Ive started the ball rolling with the fact that my ex took out catalogues and cards in my name, I am just hoping that there is proof that they can find that it was in fact her that did it all. I am determined to take it as far as I can if anyone can offer any help. thanks
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Mini meltdown and light bulb moment
Hi everyone, I posted on the forum yesterday and after some soul searching, I have contacted Step Change and am now in the initial stages of sorting a Debt Management Plan. The guy was really helpful, and said I am definitely taking the right steps for the circumstances, and I need to put me first. To get it all out in the…
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Time to grow up...
I’ve recently started to pay back my debts after years of burying my head in the sand. I don’t know if I’ve gone the right way about it so any tips or advice would be fab to clear it off ASAP! Income: £2034pm Debts: Girlfriend: £700 - paying back £350pm (Mar/Apr) Next - £1473.89 Aqua - £1056.92 SafetyNetCredit - £563.91…
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Struggling to float - I am drowning!
I've decided to sign up and try and gain control of my finances once and for all! Lived in a bubble and lived off credit cards for years, but for the first time ever, I am getting no deals, no balance transfers and paying interest. Previously when I was on 0% deals, although I was paying off debt and reusing at least the…
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Debt consolidation/credit score
Hello I was just looking for some advice from people that may have gone through so something similar. I spent some time jumping from 0% Interest credit cards unfortunately, due to a few uneducated moves I unknowingly lowered my credit score to the point i was no longer eligible. I'm now really struggling with high interest…
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London Socialite Sees The Light
Well here goes, my first ever diary. I'm a bit depressed it's gotten to the stage where I am writing this but no one else knows my situation and it will help to keep me on track once and for all to have somewhere to vent and log my progress. I had a LBM back in May where I came up with a clever spreadsheet and had all the…
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Debt Free by 40
Hello :wave:….not exactly a newbie, I had a diary many years ago which I have just reread and can’t believe I didn’t stick to my money saving ways back then. Anyway no point looking back now. I’m going to be 34 this year and currently have around £34k debt which I have literally nothing to show for. I have defaulted on…
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council tax avoidance
Hi all. I live in Scotland and have recently split with my partner who left me with a list of debt that she took out in my name. One of which is council tax, both our names are on this but my wages were arrested and I had a payment plan set up with a DCA which I have been paying alone. The DCA has said that they have…
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60th Birthday 'BIG' holiday in November
Not even sure that I am posting in the right forum but here go's. I am 60 in November and will get a pension and lump sum, both small, from the Civil Service. I want to go on a touring holiday to Vietnam, Cambodia and Thailand and this will cost me about £3,500. The lump sum will cover the cost with a couple of thousand…
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£10500 dmp
I’m 19 and I’ve managed to get myself into quite a lot of debt. I recently contacted PayPlan and have set up a DMP. I work part time as I’m a student. I do 25 hours a week and have to go into university 3 days a week. My income is roughly £850 a month so I’ll be paying £125 a month to the DMP. There are 7 creditors, some…
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Asking for a friend...
Hey 👋 So, here goes, my friend is in a situation. Previously, through bad choices and lifestyle racked up 30+k debt, aged 24. As a home owner, remortgaged, used equity and cleared some hefty loans, of which were costing 700 a month in repayments. Fast forward two years it appears they still have £8,200 of debt as follows -…
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Buffy Keeps on the Straight and Narrow
Hello, I used to post here loads and loads, I have been debt free since 2011 but I am due dental work (yes finally!) and need glasses and work done on the car, the house and the garden so am going to do a 0% balance transfer if I can time everything right and then work very hard on paying it off. I do have some savings but…
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Lowells
Hi I'm a newbie. Not sure where to post really as struggling to find my way around on mobile phone. Please direct me if I am in the wrong place. I've had numerous letters from Lo wells regarding what I believe is a very old Orange mobile phone bill. I am sure it's over 6 years old and I am pretty certain I have never paid…
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Decisions decisions...
So, I have paid off £38000 worth of debt, slowly but surely :T I have one credit card left which is set at 0% interest for the duration of the debt. I owe £1350 on this card, paying £30 a month. It's up to date. I am itching to start saving just to get some cash behind me - I do have access to £5000 on credit card for…
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Missed DMP Payment - PayPlan
I missed my DMP payment this month due to various unexpected expenses. I’m just wondering what will happen now? I’m really scared and anxious that PayPlan will cancel my DMP or creditors will take me to court. I’ve emailed PayPlan to explain and offered to make a £10 token payment (£1 per creditor), I usually pay £126 a…
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Young, free and simply stupid; MrCF takes control!
Hi everyone. Think it's my first post on here. Joined up the other day after having a real look at my finances. I've been a long time lurker but thought why not let's soo what joining can help with. I'm hoping this diary can help me save money and get rid of my debt at the same time. It's a saving novel because I read a…
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On my way to a better place...
Hello everyone I am starting my journey, clearing my debts along the way and finding the person I used to be before I became weighed down with money worries, let alone the stresses of everyday life – family, work, health, the list goes on…. Stepchange have been assisting with me with my debts for the last 10 months or so,…
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Let's try this again...
Started a diary a couple of years ago but then came off MSE. Managed to remember my log in details a few weeks back and have been lurking reading other DFD which has prompted me to start a fresh to hopefully clear off what we owe. We currently have the following debts: CC1- 568.35 0% until March CC2-3055.19 0% until March…
