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Going Out ideas that are Cheap & Cheerful and hopefully free
During the few months I have learn't alot from reading threads at DFW. I have worked out a budget and agreed repayments terms for all my debts. This leaves me with £25 a month emergency money that is not already allocated. I often have to say "sorry cannot afford to come" when I am invited out - and are trying to find…
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Persistant bad credit! Help!
I am a 24 mom, wife, and soon to be veteran of the Navy. Since I'm getting out and pursuing law school while my husband is getting out in a little over a year and going to the police academy, we're looking at purchasing a home. My credit, however, remains in the gutter despite all my efforts to raise my score. My car will…
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Sent debt collectors for for someone who has never lived at the house
Hello everyone Today in the mail I recieved a letter addressed to a Mr X who lives at my address from a debt collection agency who area acting on behalf of HSBC Card Services for an outstanding debt of £540. I phoned the agency and explaned to them that Mr X does not live at this address and never has as me and mum have…
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Thank You DFWs!
A huge thank you to all you inspirational DFWs who have finally managed to get my head out of the sand. :T Finally got around to reconciling all my egg statements only to realise that if I'd done it earlier I'd have saved myself around £450 in interest. :eek: Things are going to be very different from now on starting with…
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I have done it!!!!
I have spoke to Payplan and I am getting all the debt sorted. I can't believe we have got into such a mess with everything!!!! £30,000 in debt. My OH has been saying we will be ok in a couple of months cos he has some compensation to come but I know that its never going to be ok if we don't start now!!! I am fed up of been…
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Problems with debt?
Hi, I am working on an Irish current affairs programme and we are currently looking at the issue of debt. I'm trying to find people in Ireland (north or south) who have problems with debt and/or who have overcome their problems with debt who would be willing to speak to me about their experiences. If you need any more…
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Thought I was clever but actually I was stooopid!
HEEEEEY! So, will have enough cash to pay off my CC in full between the end of October and the end of November but my 0% runs out at the end of this month so I thought I was being clever saving 1-2 months interest (@ 15.9% i think) by transferring it to my other CC (who have offered me 0% until March) BUT... 1 months…
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equifax-free report?
can u still get a free trial with equifax?:confused: i already have a free trial with experian but wanted to see if they said anything different!:o
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It just gets worse :(
Listed a load of books on amazon,had them in a box in the living room-my 3 year old tipped her glass of juice into the box so half the books are now not fit for sale :( Plus my bank is taking 2 month's worth of debit interest(for the overdraft) in one go this month.Something to do with the statement dates. Plus my eldest…
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You can cancel Equifax late!
I was supposed to cancel my Equifax trial by 16th September. Unfortunately dozy me let it sneak up on me and didn't see you could only do it during office hours and 16th was Saturday. I called up today as cool as can be and asked to cancel the 30-day trial. The first report the girl could find was on 17th August. Today is…
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Dont understand payplan!
They have offered me a DMP for 4 years at 568 thats 100 pound less than what we are paying now, even though after are bills are paid and including food we only have about 200 left to live on. How does that work??? The other other company quoted us 314 pound a month, ok over 93 months BUT i know after about 1 year maybe…
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Name & Shame DCA's - Please leave your worst, harrowing DCA story to shame them.
Ive had a little thread going for a week or so now, keeps getting trolled by someone who works for a DCA. Id like to see who we all deal with here, name and shame them. The good, The bad and the god damn ugly ! Good : Thames Credit have been Ok (ish) Bad : Westcot - OMG, these people were simpy reading a script, I think…
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Special Freebie DFW's will like
Thought you folks may like this http://forums.moneysavingexpert.com/showthread.html?p=2966615#post2966615
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What should I do?
Hi, I am having problems with my credit card debt. I was wondering if anyone cud advise me on the best way to deal wiv them. I have the following cards: MBNA - Oustanding balance - 2800 (approx) Credit limit - 4400. APR - 6.9% until January 2007 Monthly payment - 22.00 (approx) NatWest - Outstanding Balance - 3300 (approx)…
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Sweet revenge
I've never taken a personal loan. I've only ever had 1 credit card. I am with Natwest bank. I can forgive other companies sending me loan/credit card application forms - it's their job to get people to borrow money from them. However, I received a pre-filled in form from Natwest on Saturday, i was livid. My own bank is…
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How much have/will you spend today Monday 18/9?
:hello: Good morning fellow DFWs Another glorious sunny day down here – is this really September? :think: Woke up feeling very positive and upbeat which is definitely not normal for me on a Monday morning! OH and myself have been talking over the weekend, mainly about future plans, and it has spurred me on to think more…
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Who's read The Richest Man in Bablyon?
Hi all, This is more of a "what do I do when I am debt free" thread but read on for my question... I read "The Richest Man in Babylon" over the weekend - quite short book but interesting to read. In it, it talks about how to sort out your finances using parables set in ancient Babylon. One chapter deals with how someone in…
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How Much?!!!
OK, IS IT JUST ME BEING TIGHT-OR IS £1.29 FOR A LOAF OF BREAD TOO MUCH?:mad: MY HUSBAND WENT TO PUT SOME PETROL IN THE CAR YESTERDAY AT THE "ESSO", SO I ASKED HIM TO FETCH A LOAF BACK. WHEN HE GOT BACK HE SAID "I CANT BELIEVE IT THAT LOAF WAS £1.29!" WHAT A RIP OFF! HOW COME IS IT THAT HORRIBLE STODGY WHITE RUBBISH YOU CAN…
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I really hate MBNA!!!!
Not only have they been the only ones to refuse to work with me and reduce payments/freeze interest I have just had a letter that my interest rate is going UP from October to 2.0084% a month!!!!!!!! how do they justify that???That's 24.1% :( I'm never going to manage to pay all this off am I?
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Can I keep This Card
Hello As i have posted previously i am carrying around 83K in un-secured debt over 10 credit cards & 4 loans. All my repayments are currenly up-to-date (for now). I have contacted my trade union debt helpline & they are ringing me back next week to get the ball rolling. I have told no-one else about my predicment except…
