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Disagreement with OH
Hi all, Long time reader here and I'd just like some confirmation that my OH is wrong! We've gotten ourselves into a lot of debt, issues with cars and then my maternity leave and crippling childcare costs - though none of this is excuses just extremely bad financial planning. Our little one starts school in Sept so…
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Budgeting help
Hi I'm just wondering if anyone knows if the best smart phone apps for helping with budgeting etc? So many out there I guess they aren't all as good as each other.
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Equita hassle over Dart Charges
Reposted in (hopefully!) the correct forum. Hi there, Just as a background (to help you understand my position) In Feb 2015 my mother died. Due to this a couple of months later I had to move out due to family disputes. My post was sometimes given to me no problem at all and sometimes I never saw it (and found out my father…
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Crippling debts.
Hi guys, So I'm at a point now where I haven't paid any of my unsecured/payday loans for quite some time. It got to the point where they had mounted up so much I was choosing which ones to try and pay because they were totalling more than I was earning! In the end when I was switching jobs I decided to just give up. It…
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Consent Order
Hello Can anyone advise on behalf of a work colleague. She has been served court papers for a debt of which she has no knowledge and is desperate not to get a CCJ so has sent a defence. The company has writtten to her saying they have put court action on hold and if she withdraws her defence of the cliam they will draw up…
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Stayed case?? Restons/Arrow case
Hi all, I'm hoping you can help. Restons solicitors recently lodged a claim with the Northampton courts which I defended. It is for about £1200 and an Aqua card debt. It was claimed on behalf of Arrow. The time within which they needed to respond has now passed so I am going to call he courts tomorrow to check that it is…
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What small DFW things will you be doing this week? WC 19/3
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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Advice and Motivation needed for a newbie
Morning all, My partner and I have been remaining in the most positive frame of mind we can while scaling back and tackling or debt. Today I'm having a slump day and feeling a bit lost as how I can further reduce our outgoings. We currently go into our overdraft (up to £1350) every month. This past month we lost £350 in…
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Getting data removed from credit file
Hi. I have just found out that I have a debt outstanding on my credit file which I am payin off in full. How can I get this removed from my credit file as I am applying for a mortgage next year? Thank you for your help
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Debt Management
Hi all, I currently have £8261 on 4 different debts. Current Loan = £1620 = £177/month. Overdraft = £1300 = £20/month Credit Card 1 (18.9% interest) = £316.66 = £49.99/month. Credit Card 2 (0% Interest) = £2195 = £30/month. Total debt is £8261. All are paid each month on direct debit. I can afford the payments, but I would…
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Annoyed at myself
Hi all, Long time lurker... hopefully this is the correct place. I believe I already know what I need to do but just after some validation really. So recently, my circumstances have changed. I asked my husband to move out after I'd had enough of living with what felt like a teenager. I kept a record of all my outgoings (I…
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Plodding Through Debts
BUDGET Weekly Income 128.45 Benefits 006.00 Apps134.45 Weekly Expenses (082.32) Unallocated (030.00) Food, Household and Toiletries (008.47) Water (007.23) Electricity (003.67) Broadband and Phone (001.61) Tenants' Insurance (001.15) Mobile Phone134.45 Other Funds 027.08 Google Opinion Rewards - taken as Google Play credit…
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Equita and council tax
Hi, I am aware there are multiple threads regarding Equita and their conduct, but I thought I would start my own thread for clarity and to seek advice. My wife had two outstanding Council Tax bills, due to her flatmate at the time not paying. As they were both liable but the old flatmate has disappeared, she has been given…
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Hph2 ltd ex-lloyds (help)
Hello. I have no idea what this could be, Our client - hph2ltd ex lloyds banking group Court name - CC of northampton business centre Amount due 886,31 ( warrant) I have 10 days to contact is the provie it letter still actual?? If yes can someone help send original text and how i should do it? Im not aware of any debt i…
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Feeling like there is no way out
Hi - I've been on the phone earlier today to a company to discuss an IVA. My debit total is around £4000, I'm really confused as to wether l should go ahead with the IVA or contact my creditors and work out a plan with them. l'm a working single parent who just wants to get rid of the debuts that I have occurred.
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Need to get things sorted
Hi All, I have been trying to sort out my debts but have recently been issued with 2 new CCJs which I now can't defend as they were sent to the wrong address. I am at the point now where I think a debt management or IVA might be appropriate, however 1 of my debts is a previous mortgage which was left after my property was…
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Debt instruction from Robinson way.. Advice greatly appreciated
Good afternoon, I have this morning received a letter from a company called Robinson Way instructing for a debt I have no recollection of. They claim to be collecting on behalf of HPH2 LTD. (ex HSBC), but when I have called HSBC to confirm this as I wouldnt want to ignore a debt I legitimately owe, I have been told that…
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Cabot Financial - Debt Collection Company in Dublin chasing me in Northern Ireland
Hi, hope you all are feeling positive - even though debt / money worries, really does get you down. I've just moved back to Northern Ireland after living in Dublin for many years & I have an outstanding overdraft of nearly €2000 owed to the Permanent TSB. It was originally around €1200, but now there's penalties included…
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LCS Phonecall?
Hello... I am new to this forum business so please be easy! Haha I had a text message today saying the following; Please contact LCS today regarding account number IDS00025**** on 0344 411 3254 quoting reference 1626**** & I thought it was spam so Googled the number then judging from what I read I decided to ignore the…
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Capquest legal action, advice needed?
I took out an account with Littlewoods in 1998. I had a perfect credit score and never made a late payment. In September 2008 I ordered some Christmas presents for my children, it wasn't until Christmas day that they were opened and we saw how damaged they were. Littlewoods said they were not responsible as I should have…