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Is there a forum/thread anywhere for mortgage arrears discussions?
Was wondering if anyone could direct me to the right space in which to discuss mortgage arrears difficulties? With thanks
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Use pension to pay off debt?
Hello, My partner and I have accumulated a mixture of debt which is now a total of £17k. This is a mixture of credit cards, one store card and one loan. With the credit cards we have moved things around and are on interest free for them all. I also have another cc which I have used to set up my business which has a balance…
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MMF asking for extra info
Hello, Last year, I was bothered by MMF about a loan which is not mine, but had my address. I sent the letters that are listed elsewhere (the prove it letter and the leave me alone until you can prove it letter) on this forum (the last being 19/06/2016). Today I received a letter stating: This feels like a thinly veiled…
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Upside Down Days
Change of mind and not sure how to delete?
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Loan help?! Need life back on track
Hello everybody, I was looking for some advice as I went through an awful spending spree which I have now curbed and looking for the best advice to get out of debt. I understand I got myself into this mess. Loan 1 - £5000 Loan 2 - £3500 Overdraft - £500 Credit on PayPal - £750 These are all my outstanding amounts. I…
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Urgent advice needed
I have just joined the forum. I was 65 yrs old 2 days ago.I have been in hospital for 3 weeks just got out but i have been worried about all my debts (plenty of time to think in a hospital bed) Summary 1) I have been with Payplan for 12 years and i have never ever missed apayment. 2) I have paid back £17,266 and my…
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Paying off debt with savings, am I right??
In the process of trying to pay off my debt using a combination of advice from this site YNAB and Dave Ramsay. I have transferred as much credit as I can to 0% cards. This is something I am continuing to do but making sure I am not taking out any further credit as I have made the 'consolidation' error in the past. I am…
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What would you do?
Hi All, It has been many years since i have posted on here but am very good at lurking. I am after some advice. I have the debt below in my signature and have been slowly trying to build up my savings, with the help from a nice bonus this year and trying to be good I have nearly managed to save £9K. I was thinking i would…
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Small wins vs Sensible debt repayments
So I'm tackling my debt and I've sort of got it all sorted out in my head and using various tools available on here. The short story is that I have spare money now to throw at debt so I can start reducing it rather than treading water. However it will take time and I do have a bit of a dilemma. I do understand paying off…
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Link financial
my son took out a lease car with Fords. he has had 2 cars with them and simply renewed the lease and changed the car each time. he signed for another car 12 months ago and the agreement was for 2 years however, he is self employed and missed some monthly payments but then paid extra each month to make it up. he recently…
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CCJ issues: default judgment claim form not signed?
Dear all, I am new to the boards, sorry in advance for any obvious naiveties. I received an email to 2 addresses (including my work address) 2 days ago informing me I had had a judgment in default made against me on behalf of the solicitors who advised me on an abortive divorce case from 2009-12. The solicitor advising me…
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My plan, for what it's worth
I have managed to get rid of all my credit card debt and my overdraft (around £32k in total), I'm now lwft with the following: My car - £22k remaining - £476 per month Wife's car - £13k remaining - £328 per month Bank loan that I used to kill the credit cards off - £4757 remaining - £428 per month I am currently overpaying…
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Fighting an endless battle..
Morning MSE, I've been meaning to write a post here for some time, but it’s just finding that right moment. I've been battling a debt ridden cycle for over 2 years now and its s slowly showing signs of paying off. Here’s a little background of my story… I worked and lived in London for the past 10 years trying to live the…
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Save money or put towards debt?
We have brought a house and should be moving in the next few months. Currently have £15K of debts - manageable but still a monthly burden. We are on a strict budget from now until we move and no unnecessary spends are allowed. What should I do with the money we save? Try and hammer down the cards or save in a separate…
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Please help with my debt :(, consolidation an option?
Hello alll First time poster, a little reluctant to shed some details on my situation as it's embarassing really don't want to be judged, but I have reached my end and really need some help and advice. I'm a 25 year old male living at home, I work full time and being home anything between 1400-1600 a month (we are paid on…
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Debt advice
Hi everyone I'm looking for a bit of advice. I split up from my long term partner a few years ago. I left everything and took out a load of debt to make sure my kids had a roof over their heads, clothes, food etc. I've buried my head in the sand for years but I'm in a good place and want to tackle it. I just don't really…
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Lowell chasing
Hi New to this but have been researching quite a bit and seems like this is the best place to get advice and guidance. Brief overview I received a letter from Lowell stating "We wrote to you previously regarding judgement arrears but we are yet to receive payments as required under the terms of your CCJ" As none of this…
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Thank you guys
I have been debt free for a few years, but I regularly read the threads here, not so that I can bask in being debt free, but to ensure I stay on the straight and narrow. For those plucking up the courage to bare your souls, have no fear once you have done so. The advice & support by the regular posters is fantastic and…
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trying to get in front
Hi everyone, I don't really know what I want to accomplish by posting, I just feel like I'm really facing it if I post! I'm actually quite embarrassed now its all written down and am just looking for a bit of support. All of the debt is completely my own fault. I'm afraid I'm part of the 'I want it now but pay later'…
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Defaults
I was in a controlling relationship whereby my finances and the household finances were dealt with by my partner. Towards the end of the relationship I went into hospital for emergency brain surgery that left me on intensive care with bleeding on the brain. I was in hospital for almost 4 months. When I got out of hospital,…