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How to get in debt, in simple steps (Was I this dumb?)
I have recently joined this forum… I have been writing SOA’s and keeping a spending diary, anyway here is my story in short stages. 1. I can go on holiday, and only pay £50 per month for the next year, get me my shorts and sun cream! 2. I will use this credit card for Christmas shopping, its really good because I can pay…
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New Bank a/c & Debt
I need to change my bank account and would prefer to use one of the High Street Bank due to problems with internet banking but I do not have a brilliant credit rating anyone know which bank is more lenient on opening accounts for people in debt?:confused:
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Pap/Moozies What have/will you spend Tuesday 19th February??
Good Morning:D Having a lazy day today, will take the children to visit my 94 yr old Nan later this afternoon, might pop into Asda for a few bits on the way back as have some polo shirts to change size of & need a few bits, it will have to be only a few bits as only have £8 of my food budget left until Thursday:eek: Keep…
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I've done it!!
It took 2 years, 1 month and 18 days but today, ladies and gentlemen, I AM DEBT FREE!! It's been hard work and I've been lucky to have a job that had plenty of overtime available (working an average of 72 hours a week/7 days a week for two years, no holidays etc etc) but I'm there! I'd also like to thank Martin for…
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possible emigration, outstanding debts?
Hello all, first post, please be gentle! Please forgive me if this isn't the right forum, but it seems the best fit. We as a family are considering moving to Canada, on a (probably) permanent basis. We have approximately £50k outstanding on CC and £30k on personal loans currently. Asset wise, we have approximately £100k…
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Nuisance calls from Capital One
Can anyone please give me some advice with regards to Capital One Story is I used to have a credit card with Cap One, I paid off the this credit card in full July last year, the sum I owed was approx £700 total. When I rang up to pay off the card I specifically said will the account be closed and I will no longer receive…
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CCA requests and Mail Order/Catalogue companies?
Are mail order companies bound by the legislation affecting credit agreement requests? I have sent a CCA request to a debt enforcement agency trying to get to the bottom of a very very old debt and they are saying as its a mail order company - they don't have credit agreements - you are bound by the fact that after…
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ignore!
ignore lol :P
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Is it possible to live on under £250 a month
Hi, I wrote on here a week weeks ago and mentioned how my boyfriend and i split up and he wanted me to move out our house. Luckily i have a flat i am going to move back into. On the house front he is going to keep it take on any joint debt, my credit cards and then when the house is sold give me a share of the profit made…
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My credit rating is good...partner is going on DMP
Hi, My partner is about to start her DMP which will ruin her credit rating. Her rating at the moment is actually ok with no missed payments, but only because she has been using overdrafts and credit cards to pay off other credits...rob peter to pay paul situation. This is no longer sustainable so a DMP is due to start…
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Sold My Flat!
Hi! GG is happy this afternoon - have sold flat via the auctioneers post auction marketing! Got the reserve price and have exchanged contracts and have 10% deposit paid over (well not to me but to auctioneers!). Couldn't find the daily chat thread but this is so nice for me thought I'd start one all of my own!!!! Here ends…
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CCA CCJ help needed
I am in desperate need of some decent advice, I sent off a CCA request a couple of days a go to Weightmans who are trying to collect the money for HFC bank (credit card), however I have now received a County Court claim form from Weightmans & don't know what to do?? I only have 2 weeks to get the Count Court form back & if…
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Good evening from a new member....
Good evening all, I have been reading everybody's posts over the past few days and would like to join in! I had what seems to be described as a lightbulb moment around Christmas when I went for (yet another) consolidation loan and was refused. I have 12k worth of unsecured debt give or take, statement below. RBS Loan…
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I feel great!
Just had a mortgage advisor round to discuss my remortgage. Told him about my debts in the course of the monthly outgoings conversation and he said the best thing would be for me to consolidate the debt and add it to my new mortage :mad: I told him about snowballing, and how my debt was slowly but surely coming down and he…
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Advice needed
I am new to this site and was looking for some advice I am having some major debt problems and wondered if it was best to remortgage and consolidate the debt or write to my creditors and tell them I can't pay and look at seting up a DMP. What is the downside of going down the road of not paying my credit debts. (Will it…
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Tuesday 19/02/08 What small dfw thing have you done today???
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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a bit of good news in a bad world
hi guys, ok well we have had the week from hell last week, well we thought it had got worse this morning, hubby has gone for a promotion at work and was told this morning that he was unsuccessful, they didnt even bother to interview him. anyway he has just had a call from personnel to ask him to go in, he has now been…
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Daily Chat thread: Tuesday 19th Feb, 2008
Morning all, Well, I wasn't sure it was possible but I feel worse today than yesterday-the cold I have seems to have settled into my sinuses and I feel dire. Today is not going to be nice for me for many reasons so in lieu of me going into it for personal reasons, I ask for the support from all of my wonderful DFW friends.
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Prepaid Card list
I've been tracking the costs/charges for each of them and I hope the following list will be useful to someone else at took ages! In order of what i considered the worst to the best in terms of charges: 17) TheUniqueCard Mastercard- £9.95 (2 cards £19.90) - monthly £5.95 - plus 5.95 after 120 days inactivity - transactions…
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How do DFW holidays work?
In the past I've always spunked a load of money on a credit card (including buying travelors cheque's as a cash advance :eek: ). I'm just about to start a DMP with CCCS and with little money and no currently holiday plans I'm looking into what I can and can't do. So thought I'd start this thread looking for suggestions. If…