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Free Haircut
Treated myself to Sainsburys magazine last night and they have an offer for a free cut and style in there. You have to fill in a voucher, send it off and then salon will contact you for appointment. Presumably the idea is to get you in the door but if you can be strong and refuse treatments etc it's probably well worth…
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As a Parent is it harder being a DFW?
Just a thought do you think it's harder being a DFW when you have a family? We have 4 children aged from 16 to 7 and trying to feed them, cloth them, and the constant demands of time and money even from school trips etc. ie visit from a theatre group into school £3.00 for DD2 & DD£ to take part (the whole school does it-…
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abbey have removed my visa debit card
hi all, just got my post and in it was my replacement card from abbey, my old visa debit card expires end of april. only they have sent me a visa electrol card. not that this matters too much but its just annoyed me that they havent even written to me to let me know that they are taking away my debit card. makes me even…
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Setting up a Payment plan?
After being a long time lurker I decided to post for the first time ever, Like most people here i'm in debt :rolleyes: As you can see from my sig its not a huge amount that I owe but it is stressing me out.....all the phone calls, letters etc. My barclaycard has recently been passed to Mercers debt collection, a week after…
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Mobile phone debt
Just heared from my daughter that her network supplier has passed her debt on to a management company who have given her 7 days to pay her arrears completely or so much in 7 days and so much monthly there after. Please can anyone advise me on what to do next. Currently she is a student and has no job and i cant afford to…
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Newbie Nerd seeks welcome...
Hi :wave: I wanted to introduce myself since I have lurking for so long and my boyfriend is *convinced* that I'm addicted. (He might be right :embarasse ) We have a lot of debt. We met at University (on 5-6 year courses) and we tried to live frugally but that was very difficult whilst doing placements that were 40 miles…
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Are You Having A DFW Easter?
I don't know if anyone else suffers with this feeling but I have had a little surge of disappointment today as I have parted with some of my 'cash' for Easter Eggs. It's not that I don't want to give them .... I love giving presents to people ... but this is the first 'festival' that I have had since becoming a DFW and I…
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A question
I have seen some people are collecting "sheriffs badges" What are these please :confused: T xx
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Another newbie facing up to reality and asking for help
Hi there - My birthday was last week and as such, I decided that I was going to face up to the reality of the fact that I'm about £15,000 in debt, a fact I'd managed to hide from my boyfriend. I'd set up a meeting with the CCCS people and I was debating coming clean to the boyfriend, but, due to a phone call from one of my…
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credit score 749 what does it mean
Half the info is missing like Wescot and mortgage. It also has a default for nearly £900 on Natwest which is wrong and they don't open again till Tuesaday.
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Extra Cash
I could do with earning a bit extra money (couldn't we all). i currently work part time evenings and have two kids (a one year old and a three year old) at home with me through the day. Any ideas what I could do to earn some extra pennies.... :rotfl:
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Help needed - just starting to sort it all out!
Hello I have only just discovered this forum and am hoping someone can help. I have been trying to sort out my debts myself and although i have had some success, i'm not sure I've been doing the right thing. I have credit card debt with Virgin, Mint, and Sainsburys. I have basically stopped paying them. The main reason…
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Bank Opening Times Over Easter
Just a quickie - does anyone know if RBS or Lloyds is open at all - or only back open on Tuesday?? :confused:
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Where To Begin!!!!
:confused: After years of uni, crazy jobs, periods of unemployment, uni again for a postgraduate course and lots of work experience/applications/interviews/freelancing I have finally got the job of my dreams! So, now would be a good time to sort out the madness that is my debt situations. But I just don't know where to…
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Am i doing the right thing reducing my credit limits??
Hi I have been lurking about here since February but have only ever replied to a few posts but never submitted one of my own.... Here goes .... I had the following outstanding debts / credit limits in Feb when i updated my signature... couldn't bring myself to post until now as i was too scared .... American Express £ +…
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Help - bank charges website anyone?
Hello. I've been reading your posts about reclaiming bank charges and would like to find out more about this. Please can someone point me in the right direction? Thanks
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Nerds...where are you I need some advice!
Right peeps we have two cc debts which are at 26% and 21% which I cannot get shifted to 0%,life of balance or anything else :mad: We also have our loan with the A&L at 6.4%....The loan has been running for nearly 2 years..3 to go BUT usually when it gets near end of term we get offers to borrow more at the same…
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Newbie - What's this about reclaiming bank charges?
Hello - I am new. I have just seen the post below about reclaiming bank charges and wondered what this is all about? I have been charges loads in the past - late payment fees, overlimit fees, dd returned fees - and wondered how to go about getting them back? Usually I rely on spending hours on phone trying to convince them…
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Any ideas for overdraft problem
Can anyone give me some help please - at the end of this month my overdraft will be around £750 this is due to alot of travelling this month to see family and purchases whilst away - although around £450 of it is on petrol alone!!! which could not be avoided as we travelled from the midlands to the far north of scotland…
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Second/part time jobs
A few weeks back , there was a nice discussion on here regarding part time/ second jobs. Did anyone act on the ideas given and get a second job. Just a quick one , some of the comapnies taht do stewarding at sports events etc often advertise for odd days. There was one in the job centre last week for people to work at…
