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Debt help and advice
Im new to this particular board and wondered if someone may be going through or has gonethrough the same situation as me. Me and my OH are in debt for 30,000 in total which mainly include credit cards with low apr and a LLoyds tsb loan and lloyds odraft. The loan intially was to take all ccard debt in one monthly payment…
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I'm so tired of it all
It just seems the harder I try the worse it gets. The smaller the creditor, the worse their attitude is. Call centres are a nightmare. After an hour on the phone to Abbey I was literally suicidal.i'm so so tired, !!!!!! they are only owed £500. But by god they are a nasty bunch of people. I've pleaded and pleaded for them…
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quidco - advice please
Hi there sorry if this is in the wrong place or has been covered. Inspired by what I have read here I joined quidco a couple of days ago as I am about to change my fuel provider. Now I can't even remember if I set up BAC with them at this point or not - how can I check? The other thing is that I am pretty computer…
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Sharing a good thing - an inspiration moment
It not often you see many good news stories on this forum, so I thought I'd share my days events so far. Wrote a cheque to mostly clear my Sainsbury's Bank loan and contacted Black Horse Ltd for a settlement fee and found out it was much lower than I thought (£412 but on 0%). I know it goes against the grain not to pay-off…
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cccs
Hi all was advised by the cccs to pay all my creditors £1 each in december lasrt year, sent them all the info incomings /outgoings etc some acceptd some didnt got defaulted by most so now credit rating shot to bits. The problem i have is this some say they will accept £1 per month off the cccs directly but not off myself.I…
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debt sold on from my bank
Hi just looking for a bit of advise what to do hear. I took out a £3000 unsecured loan in aug 2003 and was keeping up with my payments as i had quite a good job but then i got myself into a bit of trouble and was put into prison and also lost my job. i informed my bank straight away that i couldnt keep up with payments as…
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need some help
I posted a while back but have been swamped with work. I have now learnt to seriously prioritize and have put together my card expenditures. Sky card - 6000 - I pay 200 a month - 16.9% Barclaycard - 800 - I pay 50 a month -24.9% HSBC loan - 10000- I pay 262 a month 14.9% A car loan at 6000 - I pay 258 a month - 29.9%…
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Credit Search - 'Money Laundering Product'
Just run a credit search on a site called annuacreditreport and it shows that a credit search has been performed by the Halifax for 'Money Laundering Product'. Can anyone suggest what this may or may not be about? :confused: I'm not happy about anything saying 'money laundering' appearing on any aspect of my credit file!…
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Amatheya's Debt free by 30 diary
Hi all, Well, I'm jumping on the diary bandwagon... mainly because I need somewhere to vent. I started reading dfw forum about a year ago now (scary) and it's been so much help. Reading all the tips and especially joining in with all the challenges, I've never actually managed to reach a challenge goal but at least I'm…
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Do I have to supply this info to egg
I want to offer a full and final to Egg. I received a letter from them today and they say before I can be considered I have to supply the following, Full statement of assets and liabilities, Evidence of income payslips/benefits, Most recent morgtage or rent statements, 3 most current month bank statements, Evidence of…
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help and advice needed please!!
Hi there, i have the following debts: Virgin Credit Card - balance = £3900,00 - limit = £4000 Capital One Credit Card - balance = £991,00 - limit = £1000 Barclay Card - balance = £470 - limit = £500 i am paying off huge debts on all three cards and have a rubbish credit rating. i recently applied for a natwest card in…
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Renew loan, get a low % Cred-card...or just try to hold out?
Hello all! Ok, I've had a look round the site, and it's helped to clear up some options for me. I have some financial quandries, and being here has helped me sort out what I Don't want to do. Now I could do with some opinions on what I should do. Here's the situation. I have a loan of £4500, which matures in December, and…
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Help
Hi, I have a situation where I don't know what to do. I have an 8 month old son so I work on a part time 3 day a week basis in finance. My current job has a number of issues with it which makes it phyiscally draining for me, there is a lot of traveling included in my job but I don't drive so all on public transport. Well I…
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My Spending Diary
Hi all, Since I feel a fair chunk of my disposable income goes on junk food during the working week I have decided it is time to see exactely where it all goes. From the 21st January 2008 (payday) to the 20th Febuary 2008 I shall be keeping track of every single penny I spend. I'll be updating this on a daily basis and…
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Where should I start???
This is just so hard. I feel sick with worry. We (me and my hubby) are drowning in debt. We have a mortgage and three children. We both work. I work part time. It started as our future. We bought a house...needed work doing to it etc.. We started borrowing a bit here and there. Then a bit more and more and more. Now we are…
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Bailing someone out of Debt
Not sure how to start this! but here goes. Before i married my wife, I decided to payoff her debts and start clean. We have been married over 12 years now and it appears my efforts to pay-off her debt did not help, as she has continued to get into debt on a couple of occasions during this time. Every time she has gotten…
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Partial Settlements
has anyone ever partial settled any of there debt ????? i.e A smaller amount has been agreed and accepted as full or final settlement of the account ? Q) by doing this has it affected you obtaining credit .....
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Saturday 19/01/08 What small dfw thing will you do or have you done tody???
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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daily chat thread 20/02/08
Morning everyone :D got loads to do today but am opting for sitting here posting and eating leftover cake for breakfast. going to leave the negativity of the past two days behind me and get on with some stuff. Have a good day everyone xxxx
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My Debt / Savings / Challenges Progress Thread - Updated: 21/02/2008
Hi all, Thought I'd create one thread for all of my progress so I can keep it all together. I started my DFW mission on 21st December 2007 and have since started putting some savings away and set myself a few challenges. I had the following debts as of 21st December 2007 A&L Loan @ 6.3% APR - £9495.41 MINT Credit Card @ 0%…