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Did It....Debt Free....Clean File....
Yes, after 7 years I'm finally debt free with a clean credit file. Found DFW earlier in the year and found you guys to be a huge help. Can't tell you how much better I'm feeling today. I'd like to say thanks to all who helped and for those of you starting on the path, hang on in there.
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Matched Betting
Folks, if you haven't already then have a read about matched betting. It's really easy free money when you have got your heads around it and I would love as many of you as possible to make as much as possible! :j Have a read of these, then re-read them, then read them again.…
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On a downer - out of nowhere!
I am on a bit of a downer at the moment and just want to see if anyone else has the same problem. I have been hacking away at my debts slowly but surely for a while now. I have signed up for pigsback and quidco, changed all my credit cards to one low LOB deal, taking up Mystery Shopping and am a lot more careful about my…
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RE: Unfair bank charges.
Hi, a few questions with regard to bank charges: is the 8% interest claimable against them from the point of the unfair charge or the point you request a refund? is HSBC or Capital One known to request you close your account after they give a refund? If they have has anyone tried to bring up the terms of the banking code…
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newbie seeking advice please
Hi Guys, can i start by saying what a great site this is, gave me the courage to own up to my debt problems. I would really appreciate some advice on loans & mortgages to help me out of a sticky situation. 4 years ago my wife and I bought a house we couldnt really afford, we borrowed £212k on an interest only basis. Being…
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Knock on the Door - What to Do - Help
My partner got herself into serious debt. She has used the CCCS for the last 3 years. I have now raised some money to clear her debts and proceeded to contact the companies for settlement figure. All of them have been more than accomadating in reducing the balance and taking payment, with the exception of 1. This was a…
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Am I ok with money?
Hi guys, I know the topic title might sound a bit dumb but Ive decided that enough is enough with my debts. I currently have a loan of £13500.00 for 7 years which has been running for 1 year now and Im paying £224.35 a month. This was a consolidation loan for a previous bank consolidation loan with the same bank for…
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Barclaycard and my file.
Hi Guys, I had an iva which ran its course of 5 years and finished in August 2005.I then wait another year and August 2006 the iva and all the debts within it dropped off my file. GREAT ,well thats what i was thinking until i get my file through and see that barclaycard are still showing as satisfied in 2005.This means it…
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My partner is ignoring his debts
A big hello to everyone, I'm new here and I desperately need some advice on what to do about my partner's credit report ! Firstly, I feel that I must point out that I've always been in debt since I left home at 18 (now 33 !!) but I've somehow managed to keep my credit report in a fairly decent state ! I recently sold my…
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Debt Juggling Question using new M&S card
Hi all, I know quite a few of you read my diary thread, thank you, but I'd like to pose a question to a wider audience: Debts involved I have an Egg Loan with an outstanding balance of £6659.42 at an interest rate of 7.9%. I am paying £139.75 a month towards this. I have a Capital One credit card with an outstanding…
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Courage and help needed
Afternoon everyone, I've been lurking on this board for ages now and finally plucked up the courage to actually post and also face up to my debts, and im positive by me actually starting to post on here i will get the confidence to face up to my problems and come out the other side, i've seen how this board has such a…
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Support needed!
Afternoon everyone, I've been lurking on this board for ages now and finally plucked up the courage to actually post and also face up to my debts, and im positive by me actually starting to post on here i will get the confidence to face up to my problems and come out the other side, i've seen how this board has such a…
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Advice needed please --son wanting to quit Uni!!
Hi I know this isnt really a debt free question but I am hoping someone can advise! My son is 20 and just returned from 8 weeks coaching soccer over in California.He has just completed 2 years at Uni and come out with a Foundation degree in Sports Coaching. He is about to return to Uni to do a Top Up for a year---a BA in…
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What goes around comes around
I feel a little touch of nastiness has just come over me. Remember me telling some of you that the reason that I am about to be made Bankrupt is the fact that we had a pub tenancy with London & Edinburgh Inns and we were ripped off, lied too and everything else you could imagine to make you go bust. Well, I have today…
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Finally plucked up the courage to speak!
At the beginning of this year a direct debit to a credit card was returned and my mortgage payment was bounced. This was when the whole house of cards that was my debt suddenly collapsed. Then came the awful realisation that outgoings hugely outstripped income, and that my partner and I had been living on credit for years.…
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Debt help for a newbie please
Hi, I've been lurking for a while on the site but after receiving a letter this morning from our secured loan company telling us our payments are going up £8 a month :mad: (not a huge amount I know, but we are just managing to keep our heads above water as it is) I've decided to see if you guys can offer some advice? We're…
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Has being a DFW helped you in any other areas??
Erm... no not like that... but after a few weeks of looking after the pennies I feel like I have improved my life in other areas: Not only am I better with money I think I have become generally more organised at work and at home, planning my time more efficiently - I feel like I am getting loads more done in a day even…
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Refund from CapitalOne!
I got a letter through the post today from CapitalOne informing me that they had credited my account with £32.14. They'd been charging me for Payment Protection Insurance, which I'd already told them I didn't need. Well chuffed! One question though - is it worth me calling them tonight and asking that they calculate how…
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Timeshare Debt - Help....!!!
Hello All, I hope that you good people may be able to point my husband and I in the right direction of what to do. In 2002 we went on holiday to Gran Canaria, and (really stupid I know), were conned into purchasing a time share for 5,000 pounds. To cut a long story short, we thought at the time it was going to be a good…
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Home study course - worth it or waste of money?
This may not be the right place post this, but this where my MSE friends are and don't know where else to stick it! I love writing, I work in a press office and the best part is putting together copy etc but it doesn't satisfy me enough. Apart from stuff for my job I've never had anything published as I know freelance…
