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Scared 7 Embarressed!
Ok, here goes, I'm sure you all realise how hard this is and I don't even want to write this but we realise we have to do something. I have been on the site for the last few days and have also been on the CCCS site going through the Debt Management Plan. Ok here goes we have officialy just recognised that we have debt of…
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are banks allowed to take cash without asking?
I missed a payment off my halifax credit card which is now overdue byabout 3 weeks. I told the bank that I was having problems repaying debt and am in the process of selling my house so they would be repaid in full in 4-6 weeks . They refused to discuss it and took the missed payment from my halifax current account without…
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Credit Report Help!
I requested my credit report and am abit shocked by some of the things on there! Firstly someone opened a Next Directory account from my old address in April 2006 and I moved out Mar 2003! It's showing my AVON account (closed in 2004 or so I thought) Also showing an "orange" account from when I was interested in getting a…
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using credit card as debit card advice?
wanted to pick the brains of all you DFWs, seeing as some of you have such good control over your finances. ive recently got a new credit card, which i am using as a debit card, in order to build up a credit rating. as i am a student, they have given me a measly limit of £250 to start me off, in order to prove that i am…
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eviction..anyone with info......
i have posted previously and everytime people have been kind and helpful, this is a long shot, breathe..here goes..... in april i left my husband and moved into rented acc, as husband hadnt paid any mortgage for 12 months its all in his name, and he buried his debts in the sand, lied, was abusive etc etc... went to court…
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help needed, dont know what to do !!
Good afternoon everyone!! Right i need some help dont know what to do, ive posted a few times on here and my soa about a month or so ago, my partner being self employed was not earning a regular wage and as we got in such a mess i contacted the cccs. We have been paying token payments to creditors, all been great apart…
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How do you NOT spend?
I don't seem to have been born with much (if any) will power. I know I'm in debt, I know I can't afford to spend, but I do...some how I must rationalise it to myself at the time but not sure how. Do you think I should just do what they do on spendaholics and try cold turkey. Leave my cards etc at home and try to get…
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CCJ set aside
Hi, I have a CCJ which I have applied to have set aside - with a hearing date set for 3 weeks time. Basically the original judgment was for National Ins contributions. The correspondence was sent to my previous flat earlier this year and the judgment issued in april of this year (which i only recently discovered). But I…
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My Partners Ex husband cost us £30K help please
All, I require a bit of advice re OR charges. (appoligies for long post) My Wifes Ex Husband was made Bankcrupt back in 1991(approx), and at the point when they got divorced several years later it was not mentioned in the proceedings. As part of the settlement he wavered any right to the marital home, and the deeds were…
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Am I really bad?
Right confession time... We've just booked a holiday to Zante. :eek: We're leaving on Sunday for a week :T :T I'm having a real !!!! time of it and NEED to get away and clear my head. We've booked it through last.min.com so it hasn't cost alot and it's a 4 star too. Please don't judge me, but I haven't had a holiday in 2…
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thanks martin
i may have just noticed this i'm not sure ..but i would love to say thanks again to martin for mentioning that this board is for help and not for judging people too much of this has been going on recently ...persoanlly speaking i have been avoiding this board due to this problem ....we can only help each other if we work…
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got a bit scared
file wizard replying to a thread of someone elses said ccjs are nver fully removed and can be re-instated etc? they r removed from credit firms, but not from people who you owe money too. but surely they would not keep it on their books, as it cant be written off against tax then? can someone advise, i had a ccj in 2001,…
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Teaching the kids
Just been on holiday with some family members.3 of them,aged 14,18 and 20 are my bro-in-laws kids.Now bro-in-law earns very well and I`m starting to think the kids are getting over spoilt.Neice,the eldest,told me that her and boyfriend have been offered a really cheap deal to the West Indies,this will be the 3rd…
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Want to save...but want my teeth fixed!
bit of a dilemma the past couple of months. i've found this website which has been great, really getting into moneysaving and i come on and have a a look everyday to keep me motivated! however, my teeth are really squint, to the point its all i think about. dont really like smiling as much and i hate every photo of me…
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Im in a bit of a pickle, can anyone help me?
Im a mature student nurse, Im in debt its mounting up and I need to get it sorted out :( . Ive got 2 years left till I qualify, I receive a bursary of £556 a month, Child tax credit £120 a month, Child benefit £116 a month total income - £792 Im repaying a loan of £5000, Ive got £3338 left to pay and Im repaying £105 per…
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DFW Women....
.....and men, I don't want to appear to be sexist! I just wondered about doing beauty 'DFW' style, for example, are there any cheap products you've used that are better than their more expensive equivalents? Or are there items of make up that you just cannot use the cheap version of? Share your tips to make us all better…
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Scared,Excited, Delving into the unknown
:eek: :confused: :D Erm I have just closed my financial dealings with Gregory Penington.............. I have a financial interview on the 7th October with CCS............... I have written to all my creditors I am pursuing 2 companies atm for charges BUT Apparently CCS gets funding from some of the creditors It doesnt stop…
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Female on a mission to being DF
I have been reading the boards for several months and have picked up several tips - so thank you to all :A I have decided today to get on track with the outstanding debts - the main ones being credit cards and an offset mortgage which is about £3000 behind where it should be :eek: and part endownment which won't meet its…
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Looks like I might have to go bankrupt after all
I just can't do it-I can't feed my family (me and 4 kids and pets)on what's left over and have enough for petrol to get them to school(2 schools both over an hour's walk away but not entitled to transport as they're not the nearest schools).I don't have enough for the minimum payments this month.OH is 50 miles away and not…
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Earning money in annual leave time
Firstly Hi everyone, I am a new DFW, I have been brave and listed my huge debt on my signature. I was just wondering if any one had any good tips for earning some money during annual leave. I have a lot left to take and don't want to splurge money on a holiday. Due to my job (travelling not set hours etc) I can't get a 2nd…