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X's first foray against debt
Hi All, I have the been hanging about on the forum for a couple of weeks now getting the general idea of things. My financial situation has not been brilliant for a while now but reading about others and the efforts they have made has started to hit home. Laying awake in the early hours this morning worrying about stuff I…
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Experian question
Hi guys, going to use credit expert (through quidco of course) to get my experian check. It says 30 day free trial, anyone had any problems with cancelling this before getting charged, I get really nervous about stuff like that!:o lil'H
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BT and Wescot credit
Hiya CAN ANYONE OFFER ME ANY ADVICE? I recieved a bill from BT (which I didn't agree with, but that's another matter) and it has now been passed to Wescot Credit. The original BT bill was for £171.84, but the Wescot bill is for £214.80 - therefore a £42.96 admin charge. Can they charge this much for admin? They said it's…
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Mike St Helens and Bluezone, please read.
Have posted further down regarding bankcruptcy and someone replied saying that you guys may have some good advice to offer. Hope you don't mind me putting your names in this title. Thanks. x
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Student Debt Soars
I've just received this in one of the newsletters I subscribe to. It doesn't make nice reading. It does seem to me, that debt is being forced upon the students. It doesn't give them the best start in life. "TOP-UP FEES SEND STUDENT DEBT SOARING Students starting university this year will pay record bills for their degrees,…
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What exactly will bankruptcy mean ?
This is my 3rd post and thanks for the advice so far, it has helped lots. As I have posted before, we have decided that our only way out of our financial disaster is to declare ourselves bankrupt - £100,000 ish owing !!! I have read some other post regarding bankruptcy and some other webpages on the subject, but want to be…
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Thinking about xmas. i know it's only august
Bearing in mind what people are like at xmas, is £5 a present too stingy, when i tested it out on my daughter her face was a picture, you'd have thought the end of the world had come. Ok in my stupid days i used to spend £100's but it was all on tick, they never hardly used any of it, by june it was all binned and we're…
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Newbie - Here's my SOA
Hello all, I joined about 3 years ago - even went to the London launch party and kind of lost my way since! But I'm back and even though I have BOTH copies of Martin's book, I am still in debt. I filled in this SOA and started crying (very embarrasing as I was in work at the time) but I guess this is my lightbulb moment.…
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credit checks-what can they do with ur details?
forgive me if im on the wrong board, and mods pls feel free to move if so but i was just wondering if i order a free credit check with e.g. experian using my credit card, then cancel before 30 days, can any of the companies that i owe money to use these card details to take payments from or indeed find out that I have a…
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New DFW here!! wanted to say Hi !!!
Hi Everyone, Im a new DFW and have been reading these threads for about 2 months now, i wanted to introduce myself and thank all DFW's for such informative threads. Along with the CCCS ive made the first jump and feel 110% better about our situation. You can see below in my sig my current debt situation which is shared…
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Missed payments added whilst with Payplan
Hi guys Just found this site the other day and am amazed at the information on it. I wish I had it 4 years ago when I got myself into £30,000 of debt and was off work for a year after a car crash. Anyway, one of my debts was a £10,000 loan from Intelligent Finance. I used Payplan to help me repay the debts and managed to…
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charge on house by creditors?
not sure if this is in the right forum ? please move it if it in the wrong place me and hubby have debts approx £25 , getting advice from CAB offering creditors £1 month, but what I was wondering has anyone on here had any creditors put a charge on the house? what exactly is it and what happens? can they force you to go…
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Are parking fine ccj's on credit reports?
Hiya, in 2003 DS dad got a coupke of parking fines and congestion charge fines on my car, i have moved since then a few times and was wondering if these would be listed on a credit report, or if not - anyone know how to get hold of the details? trying to recover old debts to pay it all off xx TIA xx
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Gaz's Debt Diary
Afternoon folks, I've been a reader of this board for things here and there for the last 3 months or so, just generally looking at good deals etc... Me and my Partner Ali are getting married in a few weeks and have got ourselves into a little debt, before paying for the wedding and then taking out a loan to pay for as much…
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Excel Spreadsheet for Financial Statements
I have to give a finanancial statement of my income and outgoings to HSBC's debt collectors (Metropolitan) does anyone know of a downloadable excel spreadsheet for this as I get the strong feeling I am going to need it a couple more times and its a lot more easy to do it in excel and update it and print. Stuart.
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bankruptcy early discharge
i had a letter from my OR about 2 mths ago now suggesting that he was going to put me forward for early discharge.i understand from a previous post that it can take up to 2 mths as he has to write to my creditors etc.but is there any way i can find out how it is going as on the original letter i had, it said not to contact…
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How do I get started?
Hi everyone I have been reading with great interest all your comments and would like to contribute. How do I go about it? Please explain the 'lightbulb' moment. Also, I probably need to come clean with my little debt list. How do I do that? Any comments? - Pleeeeeeease send them my way! Much appreciated. Helen :j
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Looking for extra work?
Heard about this site on Radio 2 this afternoon and thought it might help someone out here... https://www.findextrawork.co.uk Hope it's of use to someone. Josie
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Would anyone like to meet - Like a high school reunion...
Just a thought here.... Anyone fancy organising, or coming to a DFW party !! we could use our powers of DFW pursuasion to organise a very thrifty function here... Imagine... A cheapo labour club, cheapo prices and a good old buffet prepared by us ! what a cool night !:beer: Or maybe im talking crap... but lets see what we…
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Drumroll please.....
Today I paid off my LX Direct catalogue £31.76 and my evans card £28.70 :) yes I know they're only small and I still have a very very long way to go but it's a start right?
