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jbkmum wrote: »
What does it mean when a creditor writes to you and says "Stepchange have offered us xx and we unfortunately cannot accept that, but we've told them that you should pay what you can afford"
NeverendingDMP wrote: »
......Its been a mixed week though as my big debt...
11300... has sent all paperwork through and is enforceable. Felt a bit down as after five months had begun to get my hopes up.
sillybilly1983 wrote: »
about to kick off my DMP in the next month, got new bank account set up which my October wages will be paid into.
how much is a recommended emergency fund? while I still have credit available should I use some of that to stash for an emergency?
also I'm planning on using step change but seen people suggesting self managed. if I kick off with SC can I change to self further down the line?
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