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What Have You Done Today That's DFW Stylee? SATURDAY 22nd April
Couldn't see one today...apologies if duplicate. Got bus to town & back (return ticket - cheaper) instead of faffing about with taxi (car in garage - but OH paying for that as he pranged it!) I took a bra back to M & S that I got the other week with birthday vouchers. Slightly too big. Previously I would have just put up…
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Advice needed please
Hi All, I need some advice on what to do next on how I can cheaply pay off my debts. Here they are (interest/amt owed/credit limit/ BT promo: barclaycard 19.9/1545.59 barclaycard 6.9/1546.88/total credit limit-11350/ 6.9%LOB barclays advance 11.43/4.73/5000 egg 15.9/4381.25/5000/0 % promo ends 1 may virgin…
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B & E
hi am wondering if anyone could advise on behalf of a friend. he has been with a debt management company for 6 years, and is going to be with them for another 18 years at the current rate he is paying, as this includes a £30 per month management fee (current payment = £190 per month. he has just had a phone call advising…
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Bankrupt!
I'm seriously considering going bankrupt, every month I am struggling to meet the bills, even if we cost cut, I still seem to struggle. I pay bank charges at the start of every month, ranging from £30 to £90 per month. I really can't cope. I would love to just pay my debts off. I just think this is fastly becoming my own…
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new debtfree wannabee
Hi everybody I'm new here and over the last 2 and a half years I borrowed nearly £10,000 that's without the interest!! That was for a mixture of things:- trying out health therapies which did not suit me and some needless consumer purchases( none of which I have left!), but I have the loan down today at £2361.63 and on the…
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sister is considering bankruptcy
I will try to be as brief as possible. My sister is 25, she has got 3 kids, and no partner. She gets £200 a week benefits, lives in a council house and currently doesn't work, although she was working part-time for while up until xmas 2005 but she was finished up after a bout of illness. Unfortunately because she was…
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Consumer Credit Act 2006
Sorry if this is the wrong place to post but I am desperate for help. I need to understand what the proposed amendments were for defaulting debtors under the new consumer credit act 2006 and how they differ from the old CCA? Can anyone help :confused: Thanks
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IVA - Action today
Hi, I have recently been in touch with Action today who have suggested I go for an IVA due to my large amount of debt on credit cards and loans. Has anyone else used or heard anything about Action today and also would appreciate any information or advice anyone could give on IVA and how they work and how my future credit…
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Newbie- P/T work and rebuilding credit question!
Hi everyone.. I have a few questions so bear with me! I have recently been discharged from a trust deed so have no 'personal debt' recorded against me but owe a close friend £4000 on her credit card(I am paying this off at £500 a month at the moment) I do have quite a good job but would like to try and earn more money but…
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Decided not to have a holiday this year!
Hi Since joining these boards I have learnt so much and managed so far to save myself well over £2000 this year :T OH is off for a week in May and we had been considering going somewhere cheap for the week---I found a Caravan up in the lakes for £180 and was going to book itthen i thought is this going to leave us short…
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bankrupt no more on my birthday
well there i was waiting for all my cards to arrive from the postie and i got one from the OR so i saved it till last waiting for bad news but as from the 7th of april im a free man again 9 months and 1 day after i went to court. as for that time it went quick we moved in to rented and as we did not have any spare cash we…
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what different insurances do you dfw's have
at the moment we just have car insurance with the amount of debt we have should we take out something like contents insurance just in case something happens or would we be better saving the money from this sort of thing and put towards out debts
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Taking into account 'wifes' income
Hi....my SOA will follow in a few weeks....for now..some help with a query i have would be much appreciated and thanks in advance for any. As well as debt problems I am in the throws of separating/divorcing...due to lack of ability to live elsewher (both of us) my 'wife' and I are looking to draw up a separation agreement…
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What have you spent today - Sat 22/4/06
I'm going for a no spend today - just catching up on jobs at home and lots of tv (Grand Prix qualifying and Doctor Who!)
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The DFW Factor
I was just wondering what it was that finally tipped the scales for you all which gave you The Debt Free Wanabee Factor. For me it was the realisation that for 20 yrs I had been continuously in an out of debt (excluding mortgage) and that I had been living in a bubble, I thought it was normal to always be in debt…
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Creditors have beaten me
Well they have done it,been trying to stay positive and strong throughout the whole process of sorting my debts,but the creditors should now feel very proud of themselves,I had a bit of a breakdown this week,felt suicidal and now ended up on Prozac.Hope they feel good about what they have driven me to.To make matters…
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Cab?
Excuse me for asking...but how do CAB compare to CCCS & Payplan when referring to the set up of a debt management plan? TIA
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Default question
Hi I am about to go down the debt mgmt route with payplan and have two defaults. What i was wondering was whether these defaults disappear from your credit file after 6 years even if the debt isnt fully paid off? Thanks
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Can a judge deny you bankruptcy?
Hi, I have a friend who is in an IVA at the moment but was borderline bankruptcy recently. She got herself into a bit of a mess by always buying the best of everything, flat screen tv, fancy car, ipods, computers etc, buying a house with a 100% interest only mortage because she was desperate to get on the housing market &…
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Advice please - CCCS & Mortgages etc etc
Well, where do I begin??? The bottom line - we have a mortgage of £110k on a £140k property with 19ys remaining. We owe £24k on the old credit cards & have been going through the CCCS since Nov '05 to repay the creditors. We are NOT behind with the mortgage, council tax etc. We have 3 children under 4 (so I can't work) &…
