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Shock Horror a nice DCA
I just called Cabot for a update on my balance and although it is m ore than baines & Ernst (boo hiss) told me it is 20 minutes ago I have to say the man i spoke to was lovely - his name is Tony and he was polte and helpful.
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My MBNA account has been sold to MAX recovery
Just had a IVA rejected and am thinking of trying to negotiate with the relevent companys myself......Once my account has been asigned to a third party such as the above debt recovery company what sort of figure are they looking to recoup........the last resort is to go bankrupt which i am trying my hardest to avoid...but…
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Making real (easy) cash with Pigsback - info & guide
Hi all. I know there is already a thread on pigsback in the freebies board which has been brilliant, but I just wanted to let the posters in DFW know that there is a way of recieving cheques though pigsback, rather than vouchers (which lets face it will stretch further). Basically all you need to join pigsback is an email…
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BOS offer
re my earlier BOS thread - they have offered us 70% off a debt but not in full and final settlement. We do have the funds to clear it now but I don't know what to do re where we stand on it only being partially satisfied Please help Thank you
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HFC Full and Final Offer!
It will take OH and me 60+ yrs to clear debts with DMP through CCCS. One of our creditors is HFC with which we both have CCs Offer arrived today from them for F&F settlement offer of £5623 on total debt of £10,000. Wish I had £5623 spare.....wish I had £5.62 spare:D Still, its a step in the right direction.
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Flaming Nationwide
I am in a lot debt about £83k over 10 credit cards & 4 loans. As some of my debt is with my current bank, before i contact Payplan or CCCS i have decided to open a new a/c that is not connected with any of my creditors. My list of creditors is as follows: Cahoot, Egg, BOS, Mint, Sainsbury's, Barclaycard, Citi, Monument,…
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Miffi's Cold Turkey....
I've started my cold turkey today - my aim is to spend as little as possible and only on what is really necessary. I have given myself spending money of £5 (until Sunday) which is to cover any extra's I might want, but am going to try my best to not spend... Today - Tuesday 12 September £23 on petrol That should be it for…
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Citizens Advice Bureau Online Link
Citizens Advice Bureau Online Link - for getting advice online rather than making an appointment. http://www.adviceguide.org.uk/ check list of your family,money, rights & daily life down left hand side.
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huge debts
hello everyone, well i posted a while ago about my bf debts:eek: after toting them up it reads as about 70,000 yesterday he tryed to call National Debtline but unfortunantly he could not get through. i have few questions id like to ask an value any opoins given. 1. do you have to contact banks diect initally to make them…
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I have a daft question…..
I know how to make “extra” payments to my store cards and to OH’s overdraft, but I can’t work out how to pay extra to the OH’s credit card, it’s a HSBC account, I have looked all over the online accounts and can’t see any way of doing this, can somebody give me a clue?:confused:
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Mortgages & Divorce
Ok......... further to a couple of posts recently, still trying to help this friend of mine. If anyone remembers he has just moved out of the family home, his wife is talking divorce (although as far as he knows hasn't done anything about it yet), he has debts of around £15k (after advice from here he is waiting for his…
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Kids! This is where all my money goes!
My eldest has been back in school for a week & my youngest has been in for 2 days, they each have invitations today for parties this weekend, so 2 cards, 2 pressies = £20 Then DD passes over a letter for a theatre trip, please complete slip & bring in £13 thank you very much! Add to that the cost of their school milk &…
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One Debt Cleared!
Hey all - I dont know if many of you remember or not but a while ago when I joined (March time) I had many many debts, some big and some small - also you may or may not know that i had debts X 2 as I run my own business........anyhow one of the biggest and most worrying of my debts was PAYE & NI to the Inland Revenue and I…
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Pls advise re: credit reports
Hi there I am hoping that someone can please advise. My credit rating took a battering some years ago when I was a student and things just spiralled out of control. Now older and wiser I think that things are starting to improve and having looked at my credit rating through experian I can see that many things have now…
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Debt tracking
After my recent light bulb moment I’m eager to get cracking on the solutions, OH and myself have come up with plans but no I want to be able to track our progress. I was wondering how all keep track of your debts? Any ideas? Suggestions? Any motivational tools you use? Anything you think you might do that others don’t? Any…
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HELP - I don't know what to do
OMG, I don't know what to do!!! We've been struggling for quite some time and CCCS are unable to help us as we do not have enough income to cover a DMP, so what we are doing is selling the house and every single non-essential item we don't need. We've been living on a very VERY tight budget and thought that we'd be okay…
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Recycling
Is this the best place for this topic? I would like to become better at recycling and save money in the process. What are your very best tips for recycling (or if there's already a thread could someone point me in the right direction?). Cheers peeps
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Obssesive or Normal DFW Behaviour
What does everyone else do every day? Every day I seem to always: 1) Check all my account balances (for which I have Internet Banking); 2) Check Quidco & Rpoints; 3) Check out the DFW forum here; and 3) Read the Motley Fool and, on Wednesday, Martin's tip Worst of all, I want to DO something!!! Every day!!! But money…
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Quidco
Just seen on quidco that freshdeli are giving away 2 free handmade soaps per household. all you do is pay the P&P which is £2.99. good for xmas presents? you also get 10% back (but not sure how that would work if they are free?!)
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Not sure what to do next....
Hi there. This is my first post on this site and I'm after some advice from anyone that can help me. I'm a single parent living in the old marital home which is still jointly owned. I've been self employed for the past five years but the business although wasn't doing too badly a couple of years ago has basically hit…
