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could i get my money back?
i have just had a direct debit go from my account for an old mobile monthly top up, i was set up months ago but they never took it from day one, but today they have taken it :mad: i am now going to have £10 credit on an old mobile :mad: it takes 3/4 days to go though i there anyway i can get it reverised or is it one of…
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Should i BT to capital one?
Hi have not posted on here for a while as have had probs one thing after another:eek: Anyway am now trying to get back on track. OH has just been accepted for cap 1 ( 0% for 18 months) and i was going to bt our barclaycard balance of 3000.00 as this has the highest interest! I have read what i can on the boards but am…
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Am happy today
Did some translation/form filling/phone calls for someone who doesn't speak English well and got £15(more to come when more forms arrive for him to fill in).Sold my pushchair for £12.00.Someone is coming to look at a Dyson I am selling in 30 mins and someone rang up about the dishwasher(will call back if it's not too big…
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Darn This Website!!!
This website is just so addictive! I'm supposed to be clearing my desk at work (because I'm leaving for a four month sabbatical - due to return in February), and all I want to do is read the posts on here. At this rate I'll never be finished! :mad: On a more serious note, I would like to say that this website and…
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Looks like you were all right
My H has followed me into the land of DFW (not quite enough to appear here) so I didn't need to nag him ;) He's biking to work more often than me (5 days a week depending on weather and what he has to carry) - saving over £30 in train fares Bought some stuff in Lidl and asking me to make him a huge vat of chilli so he can…
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HSBC - advice needed please!
Hi, I've posted this in the bank charges bit as well sorry if I'm in the wrong place. I'm currently negotiating with the hsbc (with the help of cccs), trying to sort out a payment plan on my loan & overdraft with them, this is probably going to take another few weeks at least. Meanwhile, I've filled out the spreadsheet…
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Bulldog and Debt Collection!
Hi, I was wondering if I could ask for your help... Over a year ago... I made the mistake of joining Bulldog Broadband with their Telephone and Internet package. To cut a long story short... they were rubbish and I cancelled the account by stopping the direct debit (in September 2005). I then wrote a lengthy letter stating…
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GRRRR GE Capital
I have been in a DMP with Payplan for just over 6 months. Some creditors have frozen the interest ( not many though...MINT, Morgan Stanley etc haven't!). Anyway I digress........GE Capital have now filed for a CCJ - timely considering I stopped the PPI only a few weeks ago!........they have decided that they want £500 off…
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Do you always lose your home if you are declared bankrupt?
If I am being dim, please feel free to tell me. I am trying to pay everything off but keep being told that I should go bankrupt instead. I dont want to lose my home - is this feasible?
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this is me
hi wanting, well needing, to shave some money off my outgoings to convert into money to pay off some debts beofre they start mounting up. i have been in this position before, thinsg got our of hand and we extended our mortgage to cover the debt. dont want to do that again. debts at mo arent horrendous but accounts are…
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What can bailiffs legally do?
Hi, I hope this is in the correct forum. Please advice if not. I'm confused today. Here's my story. I have over £8000 debt through 4 credit cards. One that is causing me a problem more than the others at the moment is a HSBC current account debt (£3,350). I'm unemployed and don't receive social benefit. I'm currently…
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Ive won a free holiday apparently or have i ??
Good evening everyone, Most bizzare thing happened today, my OH received a phone call from a company that he cannot remember the name of now as he was at work when he took the call... its to do with a draw we entered into via quidco over a month ago for a cruise holiday. they said there is good and bad news, we didnt win…
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Paid off 1st CC!!!
I paid off the first CC since seriously becoming a DFW - only about 5 weeks ago.:j Ok it was one of the samll ones but with a high interest and it felt great:j :j OH asked me yeaterday if i ever pay full price for anything any more! I can't believe how much we have cut down/saved this month and all with the help of this…
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How much have/will you spend today Friday 22/9?
Good morning lovely DFWs :hello: Gosh it's miserable down here today! This September is the oddest ever. Still, I feel positive and sooooooooooo glad the weekend is finally here. It's been an expensive morning with one thing or another. Cards and donations to 3 colleagues that are leaving :eek: (lucky sods :rotfl: ) left…
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Bad Stuff, Good stuff
Just thought I'd do a little update on how things are in the Triker household. Bad Stuff, sigh, overdrawn again, found out today that a cheque to pay for a school trip has only just drawn and put me right over, bum.Due to my reckless attitude by not properly checking my account I had thought it had already gone out. Have…
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how long does it take for credit rating to improve?
I have tried to open a new joint acc for me and my OH, but due to his bad credit rating we were refused by Halifax (incidently who we already have a mortgage with) and I was wondering how long it takes (now he is on top of his payments and hasnt missed any for a long time) for his credit rating to get better. thanks Lou x
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Anyway... its friday
what you drinking? large glass of vino for me - medicinal to make me feel better about naughty breaking down car!
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Quick question or two about full & final settlements.
Hi Does anyone know what percentage you can offer a credit card as f&f settlement without them laughing in your face and also if you do make an offer and they reject it can they force you to pay more if you already have an agreement with them to pay them a certain amount each month?
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Letter to Creditors
Hey All. I am proposing a new repayment amount to all of my creditors, I am going to paste my draft letter below. Can you give it a once over and let me know what you think? Thanks :) -- Three matters concerning the above account 1. Circumstances Update &Repayment Proposal From the 25th of September 2006 I will be a…
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Barclaycard paid off!
I've done it! I've paid off one of my debts - the one with the biggest interest! Two more to go, interest frozen. I can't even begin to tell you how much better that feels!