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If I want a DFW party, afternoon tea, or brunch I'll have one or join in one.
There said it.;) Last time I looked the only person who own's this site is Martin Lewis. I'm completely not bothered where it has to be posted, here or the Arms but it's been bugging me for a while all this malarky. Right, now I've got that off my chest, coffee anyone? OK just me then, I'll get my coat.:D Forgot to say…
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Well Done Everyone
I want everyone to say "Well done" to themselves. Since my LBM I have probably had more days where I have beaten myself up over not being able to pay off my debt sooner, a momentary overspend, treating myself to something small, etc etc. But it's easy to think that once we've had our LBM we suddenly become a fully fledged…
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Advice needed please - Claiming bank charges while in DMP + More
Morning, I had my lighbulb moment about 6 months ago and have followed this site very closely. In fact reading this forum enouraged me to contact the CCCS and enter in to a DMP. I have debts to 12 creditors in total but one in particular is causing me a lot of problems. I have a nationwide credit card with a £2503 balance…
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sainsburys bank problems
Hi we are after some help ' mrs hampsterpoo rang Sainsburys bank today because they sent a statment adding charges & late payment fee of £12 to our account even through we have been paying them through the CAB arranged DMP for 3 1/2 years. They basically said that the minimum payment now was lower than what we have sent up…
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Question about paying debt early
I have only the one debt, just under 2 years left on it. Its about £350 a month, and I have the funds in my account to clear it early, saving myself a bit in interest. The trouble is that doing that might leave me short to pay my tax bill (I'm self employed), and my account might go overdrawn. Generally, which is cheaper?…
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Student Loans and DMPs
Hi, can I just ask why some people are including student loans in their DMPs? The repayments come outof your salary automatically... unless you're self-employed. And they only take 9% of any earnings above £15,000. You don't need to include student loans in a DMP. You don't need to tell the student loan company you are in…
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CCJ's and dealing with them
Hi there, I'm trying to clear my existing debts, which include a number of CCJ's with the help of my loving parents. I've written to one company, with whom I have a CCJ, and they have agreed to accept a payment of full and final settlement. I've read through Martin's advice on debt and credit reference agencies and he…
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Alliance & Leicester closed account
Guys, Had a few debt problems there and Alliance and Leicester closed my current account so I was paying them off my overdraft. I had written a few cheques that cleared it about three months ago but they never cashed them. A debt collectino agency rang and I paid them with my maestro card. After stopping the cheques at my…
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Scary Debt
Hello all! I am new to this site (due to my mother badgering on at me to join up!) and although I am 26, have some huge scary debts! I owe £900 on one credit card, owe £2000 on another card, have a loan for £3000 and owe my mum £2700 (which she isnt in a rush to have back, but debt's debt!) The worse thing about it all is…
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Want rid of small debt
Hello, firstly thanks for all help i regualry read these boards and its good information. I have a debt which is probably seen as quite small but want rid of it. Its on a credit card and its £2,500. I pay £100 quid a month off it every month but something seems to come up which means i have to use it. I am in the process…
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Advice for a new member
Hello As my name suggests, I am a big sister to a little sister with money problems. She comes to me as I seem to manage mine, but everyone is different. She is a single mum, two boys and a 4 day a week job. Nursery takes up a chuck, as does rent and utilities. She gets minimum child support, tax credits and nursery…
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How much do you think I should offer?
Hi here is my overall debt which I got into when I was 18 - 19. I am now 23 and been making regular monthly payments for last 2 years. Now my dad is suggesting I write and offer a full and final settlement to each one and he'll pay then I pay him. How much do you think I should offer bearing in mind alot of it is interest…
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paying of debts, how does it affect your credit?
im asking for my pal, shes abt £30.000 - 40.000 in debt, the bank, and one credit card, shes paying of at £5 per month, the other card,£60 a month? At a rough guess, the will take 40 years to pay off!! In this time, can she get credit anywhere? I think shes should go bankrupt?
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oh dear, old debt, I'm in trouble
back in 2000, I had a Student overdraft with HSBC. At the end of my 1st year I was £50 over the limit and my overdraft facility was terminated (they were particulary understanding). Obviously I couldn't pay the £800 so my account was closed and passed on to a debt collection agency. Eventually we reached an agreement where…
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New to the Forum
Hi everyone, I registered on the site just before Christmas and have only just plucked up the courage to do anything about it. My circumstances have changed in the past couple of months, we were already struggling financially, well just kind of keeping our heads above water, but my husband had a heart attack at the end of…
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14.5.07 what small dfw thing will you do/have you done today?
Hello lovely DFWers!! 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…
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The good stuff and bad stuff today
The good stuff first : Finally told OH that I'm in a bit of a crisis money wise, but not the total extent. (I lost my bottle) But, he does understand I'm cutting back loads, and will even help out. Made £22 on ebay. OH offered to get the shopping in as he stayed at the w/e and wanted to contribute and ended up asking me if…
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Any advice to help me pay all this off?
Hi there, I have a lot of debt and would really like to get to grips with it. We have three kids and only 1 wage coming in which is not ideal but my monthly outgoings are: Mortgage - £685 Phone - £25 TV Licence - £12 Water - £31 Gas - £40 Elec - £30 Council tax - £145 Food/petrol/nappies/baby milk - £400 A+L loan £135…
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Transport Manager can i go bancrupt????
right lets just get to the point, separated from my husband i have moved into rented accomadation he has kept the house on, now i owe about 40k he owes about 30k my question is i am the CPC licence holder for my dads haulage firm, but will this have to stop if i go bancrupt? the thing is i really dont know what to do for…
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How much have/will you spend 14th may???
good morning darling dfw's! dunno about you guys but today I'm determined to keep the smile on my face despite having to argue with the mortgage lender and broker again!!! and breath :rolleyes: well yesterday was a nsd for me :j today i will only be spending the £1.50 for the babycorn that I need for with my lunch (didn't…