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12K in debt, feeling pretty low!
Hello MSE! Bit of backstory, I'm 23, with a child & separated from the mother and living with parents. A lot of stupid decisions caused me to rack up a 12K debt, I want to get my life in control but it currently feels like an impossible task. I earn 22k a year but whenever I create a budget, I can never stick to it. Any…
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Letter from Drysden fairfax
Hi ladies and gents first time in posting on here so hoping you can assist? Received a letter from Drysden Fairfax yesterday and spoke to them today. Stated no information on the letter as to why so out of curiosity rang them. They informed me that I am owing 17k due to a house that I bought with my ex in 2009 was…
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Managing UK CC Debt from Abroad
Hello all, I have a history of being very bad with credit cards, running up some bad debt (£11,000+) in my less responsible years. I am now trying to get this all paid off, but I have recently moved abroad, to Switzerland, and therefore struggle to apply for new 0% cc's, to transfer my balances to. I am therefore stuck…
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£46,000 possibly more debt I want it gone..
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pay off debt or keep cash
Hi i have the following debt £1500 lloyds overdraft £25 a month fee on average £6000 Barclaycard 0% £1800 MBNA I have £2200 in a savings accounts should i keep it or clear one of my debts?
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Is this a letter I should be worried about?
Debt is not statute barred but is no longer on credit report. Amount due is 632.59 for an overdraft from years ago (HSBC) Sorry it's wonky, scanner broke!
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spending guilt
Hi everyone, i'm newish here. I've posted a couple of times before but i'll give a quick rundown: debt: 5 x credit cards £12500 (all interest free until at least next year) Overdraft £1800 no savings I work part time Husband works full time in a low paid job and we pay for childcare for my 2 year old. Recently we got an…
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High interest loan first or old debts
Hi I'm trying to work out the best payments to make first. My husband is a student and works full time, we took out a guarantor loan in 2015 to cover some of our wedding as it cost more than we imagined and not missed any payments but we've worked out that we've paid 75% of this value back (not incl APR in that value) and…
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Personal loan - Rubbish Quotes?
So, I’ve got a £2500 overdraft that I pretty much use the whole of every month and get charged 19.9% APR on. I want to pay this off with a personal loan so there’s an end date in sight but although my credit rating is classed as ‘good’ because I’m using a high percentage of my available credit the loan rates I’m being…
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Vodafone sprung a debt on me i didn't know about
Hiya Looking for some advice please. I have today had a phon ecall from Fredpay saying I owe them £251.17 on behalf of Vodafone. I have rang voda and the first few times they couldn't find anything relating to that debt on my account. Now they are saying it is related to my home broadband account which I haven't paid since…
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BT Lowell & BPO - Please help!
I called Lowell regarding a CCJ that was showing active on my partners credit file. He thought it had been paid so I wanted to check why it was still showing active on Noddle. Anyway, when I called them they started saying that he owes them for a BT bill from 2013. He hasn't got any correspondence relating to this but…
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Drydensfairfax threat letter helppppp
Hi, new here hope i have posted in right section, Basically i am trying to get information on what to do about this. A little backstory... Posting for my brother who has just recieved a letter from drydens fairfaxstating that he owes them £1710.00. And that if he doesnt reply by 2nd of august they will start court…
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CCJ help
Hi can anyone help me here. I went to court and have to file a defence within 14 days if I wish to dispute a CCJ but what happens if in the meantime I come to an arrangement with the person I owe the money too and we settle out of court how do I Ensure that the CCJ that is currently set aside by the judge remains off my…
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Local authority debt
I hope this is the best place to post this, as I do not want it to become a full blown debt. I had a personal budget from a local authority for some years, during which time it was never set up properly. You are supposed to pay contributions, which I believed I did, but as it turns out, were not paid. Time goes by and its…
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Requested SAR from NatWest - Now Calling Me?
Hi everyone, Hoping someone might be able to have some input/thoughts on my situation. I recently wrote to NatWest on 18th July requesting they supply me with copies of all the data which they hold on me by way of a SAR (Subject Access Request). I also enclosed a £10 postal order. The reason I have done this, is I wish to…
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Name change and CCJ
i am really hoping someone has some advice here. I recently discovered 4 CCJ's had been placed on my credit file, in a previous name from 3 addresses ago. Now i remember receiving the claim pack to which i replied stating my name change etc, my claim was rejected as i was not the defendant (i am) i contacted the solicitors…
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Never ending DMP
Hello Have been on a DMP since about 2008 with no real end in sight. Through no fault or ours (ASB & Awful neighbours) we ended up moving out of our home in 2012 and renting whilst it was up for sale. This landed us eventually with a default and the lender sold the property at a loss, although we had a higher lending…
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Demand for payment from cold call company
Hi all, I'm not sure if this is the correct thread but my wife received a today from a solicitor following a cold call due to a car accident in her works car. My wife reluctantly said to start a claim but only because they had phoned loads of time and did not take no for an answer. I remember my wife saying if I cancel the…
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What card to pay a lump sum off?
I currently have £4,600 in my Santander 123 account. I'm going to move £4,000 to my S&S ISA and pay £600 to one of my credit cards. I have 2 cards: Lloyds balance is £3,227 at 0% until February 2020 Sainsbury's balance is £1,392 at 0% until 2020 (need to phone up to find out exact month but its after February) In 2 minds…
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Advice needed
Hi everyone, newbie here and I have finally got fed up with debt/lack of money available. I have been using ynab (which I really enjoy using) for about 8 months now and that has really helped get our spending under control but it showed up our problems very quickly. It feels like we can't do anything anymore with such a…