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What small DFW things will you be doing this week? WC 26/6
When we start out on the DFW 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 progress, when…
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Looking for advice on dealing with Bailiffs/Debt collection companies. (UK)
I was looking for help for my brother who has mental health issues and gotten himself into a difficult situation. Thanks for your help, the info was very useful.
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Selling my house to clear debt
Thinking of selling my house to clear debt. Currently my mortgage is £86000 Unsecured debt 8 in total is £14000 House needs updating with new kitchen + bathroom + boiler+ rear garden + driveway+ decorated throughout. Have poor credit score so can not get remortgage to clear debt and do the work needed. The plan is to sell…
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What Do they see on your credit file
Hi there Just wondering what the credit card company's see when they view my credit file. I am about to start on a self managed dmp and in the process of filling in my I&E for when lenders ask for it but am wondering if they can view my credit file to see what my total debts are to other lenders. I know when I log in I can…
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Adviice grateful appreciated....
I was at college and OH lost job 5+ years ago, I used all savings up and then lived on credit cards and since then debt just grown. I pay everything but never have much money left! Home improvement, wedding also added to the burden. OH doesn't know about the majority of this debt which makes it super stressful. Credit…
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At my wits end... (Help with debt and finances)
I’m posting here today in need of some advice. A bit of background first to shed some light on my situation; I’m 26 year old and work full time, I live with my girlfriend and 2 cats. I work full time coming out with around £1200 per month. I have been suffering from depression for as long as I can remember and have…
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Possible unfair charge from Car Insurance company
Hi, I might be posting in the wrong forum, please let me know if this is the case. To the case: I sold my old car and bought a new one. Insurance company for the old car charged way too much to cover the new one and I found another insurance for almost half price. So I purchased the new insurance and cancelled my old one.…
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expired CCJ and help with 1st Credit
I took 10000 when my mother died when I was 18 years old, I tried paying off the loan but lost my job so I opted for a debt management company called dcm apex which basically took my payments and kept most of the money they were a fraud company. I'm now 39 years old and have had little correspondence over the last 10 years…
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Letter received from County Court Business Centre
Hi, I have today received a letter from the County Court Business Centre with a claim link and password. The stated debt was for a Vanquis Credit Card with a small limit which I had between 10 and 12 years ago. I entered into an IVA 10 years ago of which I thought that this debt was a part of, and it would transpire that…
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Stopping a CCJ via Tomlin Order with Reston Solicitors?
Got county claim forms from them asking me to submit defence etc. I contacted Restons, they refused a Tomlin order and Capquest (who passed it on) said there's absolutely nothing I can do. Any ideas? Thanks!
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Debt Time Limit
Hi all, Just a quick question... How long until a debt is not allowed to be chased for? i.e. if you haven't had any contact from lender or provided written confirmation you owe a debt? Any are there any terms that have to be followed (like no contact etc.)? Cheers TD
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Payplan Advice Please
I have been on a DMP with Payplan for a long time and have stopped paying it after finding out my debt after 14 years was £3k more than I thought it was. Over the last couple of months I have been contacting my creditors and trying to sort out getting back the interest charges they put on the account.... Anyway all the…
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What is a non standard litigation team please
I posted about a work colleague previously and she has a letter signed by someone from the above . Personally I've never heard of such a thing .
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Credit card debt
Hi all, I hope this is posted in the right section. I am finding myself getting trapped in debt with balance transfers and credit cards and am struggling with what to do. My current situation is that I have a balance transfer on one card, a credit card maxed and also a bank loan that I used to pay off previous balances.…
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Paying off debt then buying a house, advice needed
Hi all, Sadly we lost my Father-in-Law in March so it's been a very tough few months. This sounds awful but trying not to beat about the bush; my partner has decided that he'd like to pay off both mine and his debts once the inheritance arrives... We have around £29K debt between us which I know is pretty shocking. We have…
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Just paid off a DMP - problem with Barclaycard
Hi all I finally paid off my DMP in early May by way of a lump sum payment to Stepchange of the remaining balance. I obtained a £2 equifax credit report last week, everything had updated fine with the exception of one Barclaycard account. This account was sold by Barclaycard to Link Financial in September 2016, on the…
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Pounds to Pockets & Arc Debt Collectors Advice Needed?
I wonder if any one can help me. My youngest son became very poorly at the beginning of last year and was in and out of Alderney Children's Hospital for most of last year. This hospital is not near us, it's over 3 hours drive each way. So had to spend alot of money on traveling which lead us to struggling financially. I,n…
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NRAM - full and final/complaint advice
NRAM - i have an old Northern Rock Together mortgage. Part mortgage part unsecured loan, taken out in 2007 for £30,000. We are on a self managed DMP paying them a reduced agreed amount. We recently made a full and final offer on our NRAM loan which they have turned down, we increased it slightly and they have turned it…
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Lloyds didn't pick up my overdraft - 3 years later
Heya! I formerly had a student account with Halifax that was maxed out in its ovevdraft. In 2014 I decided to consolidate my banking, I closed the Halifax account and moved it to Lloyds, where the overdraft should have been transferred, too. Halifax closes the account, Lloyds take it on, but my overdraft doesn't show up.…
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Hmrc dca
Hello. I moved to UK in OCT 2013. Shortly after I've opened self-employment. I never worked using this status. In 2017 I've start receiving letters from HMRC saying about penalties to pay. Amounts were between £200-£3200. After explaining them everything they decided to cancel my debt in full. I've checked my HMRC online…