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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…
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Cca Question - Telephone Harassment
Can anyoune help me at all - I took a loan with Citi Fin4nci4l a couple of years ago, I have made consistent payments but had some financial problems due to the company I worked for becoming insolvent - to cut a long story short, I'm so sick :embarasse of the continuous harassment from a collection agent, imparticular this…
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Daily Chat Thread - 14th Feb
HAPPY VALENTINES DAY! How's everyone doing this morning? I'm in the clutches of a full blown cold and really not feeling very romantic at all.. :( what's everyones plans for today? Apparently Ste's going to cook me a meal tonight which will be nice. :) We haven't got each other presents and our cards were free with a…
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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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urgent help needed please
Hi, I hope someone can help...I'll try and keep it as short as possible.. Basically, ex-husband ran up thousands of pounds of debts, peed off and because they can't find him companies chased me for joint ones. I set up DMP with CCCS which I have paid every month for over 4 years now... Just before I moved home (approx 6…
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Help!!!
I have outstanding debts from my student account overdraft (nearing £4000!) And its now been passed onto a debt company who want to take legal action. What can I do?? Is there anyway I can get my charges wrote off? This debt has accounted to so much in the passed year whilst I've been trying to reclaim my bank charges…
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mobile phones
Hi all Just thought i'd add my opinion of mobile phones: 3/4 years ago me and the wife had the latest mobile phones on contract. At the time we thought that they were a necessity believing that by loosing them would leave us vunerable. Lets be honest advertising tells us this! Since that time we can say that except for 3…
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Cant see for looking
Sorry think I am being really thick but I cant find anywhere the template letters you send off to try and settle in full your debts for less money. Can anyone help?:o
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CCJ Paid Off - Scotland
Hi Some advice needed please, I have a CCJ issued against me last year over a dispute with my local council over an overpayment of landlord rent when I rented my property out through the council (DSS). I will be clearing this off today - hooray, however I wanted to know how I show that I have now paid this off on my Credit…
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CapQuest EEEK!!!
A debt off mine has been passed on to CapQuest, what is the best way to deal with them. I do acknowledge the debt and am willing to pay it, I'm just broke and need a bit of time to pay it. I've heard bad reports about these and would appreciate advice on constructing a letter to keep them at bay.:eek::eek::eek:
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Picture Loans closed
Not sure if any people on this board are interested but Picture Loans are currently closed for New Business: http://www.picturetheloan.co.uk/
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CCA requests - A query
Out of curiosity (because Im sure my employers are lying - big bad american cc company who also issue virgin a&l) With respect to a CCA request, when they are recieved , they are allowed the alloted time frames etc. if the CCA is not / cannot be produced, they debt is unenforceable. Is this still the case if you have…
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DMP help!
First ever post. I am just about (in March) to embark on a DMP with CCCS. Debts stand at around £60000, mainly cc's and couple loans. Is it worth sending letters for cca's to each and every one or should i just let cccs manage my plan? What can i expect from my creditors? Will they accept the plan? £291 available to them…