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Ebay 5p listing day - sell all your stuff DFWs
Hi all, I just noticed that there is a 5p listing day, all day, on Thursday so fire up Turbo Lister and start writing those auction listings ready to upload on Thursday. Go go go. DDDK
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Fed up with Lloyds
My OH has phoned Lloyds re our charges (OH’s fault for putting in a cheque 2 days late – but I thought they might help if he talks to them about it) and getting 5 returned DDs. He spoke to the Manager who said someone from the branch would get back to him, a woman did, who insisted that she could not deal with it over the…
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any help re: sainsbury's bank
Hi, I have a little problem with Sainsbury's bank and need a little advice! (sorry it's so long!!) After my husband was made redundant we sought help from the CCCs to cope with our awful debts. They managed to get everyone to freeze the interest and we have been steadily paying off everyone over the last 2 years managing…
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Payplan and Personal bankers
Hi I was wondering if anyone with payplan had taken up this offer of a Personal banker and did they think it was a good idea.I'm thinking of giving them a call and just wondered what other people thought about it. Alan
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Head to Head £250
Trying to motivate myself to pay off a chunk of my debt. Saw a thread by someone who had managed to pay off just over £1000 in a couple of months. I know we're a few days already into the month but does anyone fancy going head to head with me and the first one to £250 wins. The motivation would be good and well as keeping…
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Help!! Credit Report problems
Hello, I'm new and wondered if someone could offer me advice. Briefly : divorced April 2004 from ex husband hopeless with money (CCJ's, mortgage arrears, court fines etc) Now remarried. Ex husband been using addresses of mine since divorce to shake off bailiffs. I've been out of work for last 10 months (moved from…
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IVA approved!
Had my IVA creditors meeting today and it has been approved, it's such a huge weight of my shoulders as if I went bankrupt then I would lose my job and also my rented home which is linked to my job. I owed £42,000 and despite having a fulltime and part time job I could not meet the minimum payments. I went through payplan…
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Capquest - I can't win
Hi Guys, If possible I need a bit of advice... I have a debt with Sainsburys Bank, which was passed on to Capquest. I fully acceapt the debt is mine, and am paying it back as best I can. Since April I have been paying £120 a month by DD (with about £1100 currently outstanding). Whilst at work this morning I get a call from…
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asking for money
I recently did my neighbours friend a birthday cake for her daughter. Now the cake cost me £15 to make and allot of work went into it. I text the recipient and said I didn't know what to ask but the cake cost me £15 to make. She said she'd drop the cheque round at my neighbours but 2 weeks later and no cheque! I always…
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£33,500 in debt on 6 credit cards. HELP
I have got 6 credit cards with total debts of £33,500. (shell)4.9 lifetime balance £108 monthly (Lloyds)5.5 lifetime $45 monthly (capital one)6.9 lifetime £244 monthly (amex)6.9 lifetime £188 monthly (morgan stanley) £91 monthly (mint) £158 monthly Total per month £834 I have got 2 loans that end in dec total £370. wifes…
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a bad weekend
I'm feeling a bit cross with myself about having a bad weekend moneysaving. First of all we went out clubbing on Friday - the OH wanted to as we'd not been out for ages. I only took a little bit of cash but OH spent more than he planned and I feel awful now as I'm not sure it was worth the night out :( Plus we were…
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Could I Be Prosecuted For Fraud
Hello I am about to contact one of the advice charities to get the ball rolling to sort out my large un-secured debt. However, in the past i stupidly lied to some of the lenders. I have that many creditors i cannot remember which one's i specifically lied to but i was desperate to get the money, to keep this whole circle…
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Chipping Away
Just thought i would share with you all, am very excited, just cleared £1300 off my debt today, wohoo. Saved up for two months, ebay and quidco. Hoorah, a lot closer now!!! Vics xx
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Fed up!
Hi, I've posted here once before re payplan. I was complaining that my debts appear to be going up rather than down. I keep sending my case officer emails asking why and get a standard response, obviously copied and pasted every time - "Payplan have no control over Creditors charging their clients interest and fee's. They…
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Thanks Emily!
After reading your thread 'Can i clear a debt a month?' i decided to try selling books on Amazon. I put a book on there on sunday (i paid £1.60 for it from a book stall) and it sold yesterday for £7.75!! :j Im going back to the market stall to stock up! Cheers Em, roll on next Amazon sale! :beer: 1st TSx
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Made a big decision!
Hi all, Been a couple of months now that I've been a DFW, and whilst my debts are going down, I still keep finding unexpected expenses slowing things down (bill from three for example from months back they hadn't told me about). I am struggling to live within my budget, and getting frustrated with not being able to treat…
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Feeling very blue
Hi all, pretty new to this. Hoping for some moral support more than anything as my life just seems to get worse. Anything that could go wrong has. Work is awful (they're making loads of redundancies and my boss....well thats another story). My boyfriend took cold feet and left. I really love him, tried contacting him but…
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Anyone from Scotland with a trust deed
Hi there Just wondering if anyone out there is from scotland and has a trust deed. If so, has it helped you're situation? are you able to get credit once its complete? Thanks Cheekysmiler
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Why you should never make the minimum payment
Here is a table showing you how long it takes to payoff £1000 with the minimum payment of 3% on a CC and shows you the APR for those CCs which shy away from telling you. Cost of Borrowing £1000 on a credit card and MONTHLY % APR% Total interest Time to £5 balance 1 12.68 £512 22 years 6 months 1.05 13.35 £551 23 years 2…
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My Debt Diary by newbie DFW –Ellas96
Hello :hello: I’m new to DFW (but not MSE) and I’ve been reading with fascination some of the diaries on here. Like many others I think it would really help me to have my own. We don’t seem to struggle financially but I know this is because we are continuing to rack up credit. My head is swimming with what debts we have,…
