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Thursday 1st May - What small DFW things will you do today?
When we start out on the Debt-Free Wannabe 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…
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15 year old debt with ex
I have a debt from 1999 with an ex partner whom I split from in the same year. The debt was the short fall of a repossession and was £7500. I have paid about 40% myself, my ex has paid nothing. Is there any way I could get the building society to chase him for the rest as it feels very unfair that it has fallen to me. I…
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Robinson Way
Good morning I have received a random letter from the above asking me to call them to confirm if I lived at a previous address. I did , but left about 7 years ago. when I moved out the new tenant stole my identity and did get out a lot of credit in my name-luckily this was all rectified. I have heard nothing but bad things…
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council tax and HB help please
I am a full time nursing student so I receive my student bursary and £90 per week housing benefit and a reduction to my council tax to the single persons occupancy. DH does not work so he get some council tax benefit and is also included on my housing benefit claim. in January our housing benefit was stopped as Tax credits…
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Friend's council tax debt
Hi, I'm after a bit of advice if at all possible on 2 questions. First of all, a friend of mine is using my address as a correspondence address for his mail. I'm off sick today and got a knock at the door from Marstons saying my friend had a liability for council tax and was he there? I said no, I just received mail for…
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Attachment of Earnings Order But Never had Paperwork
Hi all Just a query regarding an Attachment of Earnings Order (AEO) I have had put on this months salary. From the information I have been given, I believe I know the company (dreaded payday loan type place) which but have never received paperwork from the County Court. On phoning the court today, they told me the order…
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And then there were three... Is our plan OK?
Hello :) After 5 years, there is light at the end of the tunnel. We now have 3 debts, split up as follows: CC1 - £2200 - 29.5% APR CC2 - £5400 - 0% DEBT AGENCY - £2303 - 0% (This debt defaulted in March 2011) Basically our plan at the moment is to throw everything we have at CC1 and have it paid off by Christmas at the…
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Big milestone
My debt's gone under £10k for the first time in years, so happy with that. It's a spur to keep on trying harder, I want it under £5k within 18 months. Not sure if this is achievable, but it's worth a shot! I just keep visualising the day when I will have a disposable income again. Can't wait! Anyone else passed a milestone…
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Concerned about a letter from Barclays.
Need some advice please about a letter I have resceived from Barclays following a letter I had sent them stating I am in financial difficulty and offering a 'temporary reduced payment' arrangement on my account until further notice.This was follwoing the advice from StepChange. My request seems to have ignored as there is…
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Taking out a credit card while on a DMP
Hi everyone, Myself and my husband have a DMP with Payplan and have been paying it for the last year and a half. Apart from a few initial glitches, it has been going very well. We have just had an annual review and managed to increase our monthly payment but at our current rate it will still take us about 4 years to clear…
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Wednesday 30th April - What small DFW things will you do today?
When we start out on the Debt-Free Wannabe 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…
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Remove small default?
Hi everyone, I'm looking for some advice regarding a default that is sitting on my credit profile. When I was a student, I had a Bank of Scotland One credit card. It now shows a satisfied default for £165 in March 2013. This means that this will be on my account until March 2019. I didn't receive any warning of an…
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random stat barred question
something i have been wondering since visiting these boards when does a joint account become statute barred? eg couple take out a joint unsecured loan on 1/1/2000 the final payment is made on the 31/12/2000 with an amount owing. if neither of them make a payment it is statute barred on the 1/1/2007 if partner A makes a…
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First steps.....
Well I posted I here 18 months ago re: debts thinking the OH had around 10k. Found out last year it was actaully 25k! This sturck me hard as had loan and CCs behind my back. Been a rough year and few weeks ago found that wasn't the truth was actually 3k more and he still has CC details so what we'd paid off over a year…
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Full and Final advice please?
Hello, I am currently on a DMP with Payplan and have been for 4 years. My current estimated balance is £7600 (From 26k). My Dad has offered me £3000 to help get rid of it. Do you think this is a realistic amount to offer? And also, do you think Payplan would get me better offers or am I best contacting creditors myself?…
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IVA's etc
I have been paying off my debts to various credit card/loan companies (most of which have been transfered to debt recovery companies) for several years via a Debt Management company (Payplan). I owe around £40K, by my calculations it will take me 30 years to pay these off. Is there any way that these can be written off…
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two companies trying to collect the same debt.
Need some urgent advice. A disputed debt went to court, judgement was awarded to collection agency and a payment plan was agreed and has been adhered to. Another company has now come along claiming that the debt is theirs to collect. They were informed about the ccj and payment plan being in place, however they have…
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ppi refund and DMP
I have made a ppi claim, which has been upheld,the letter said that if i still had an account which was open they (Barclaycard would pay the amount onto my card account, I have got an account although it is included in my DMP, I telephoned them because the payment has not shown on my account, and they said that they would…
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Advice re CCJ and Full and Final settlement
First post here but want to say what a brilliant forum this is. Learnt so much from you all in such a short time. So thank you. Now to the advice I am seeking. But some background first. I have a CCJ for £21.50 a month to a DCA who took out the CCJ on behalf of one of the big CC companies. They further went for a charging…
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Receiveing Debt colelction letter but nothing on my credit file?
Hi All Im not sure where I stand with this. Today I receveid a letter from Scotscall to advise my account is £1600 overdue and they are arranging to send someone round. I think this is scaremongering. However I've gone on to my experian credit report today and cannot find any reference of this alleged credit file, nor on…