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Setbacks
Hi all Im feeling really down just now. Just started a dmp with cccs & have done everything I can think of to cut costs & increase income. While waiting for dmp to be set up have contacted all creditors & asked for interest/charges freeze. Also made small payments to each of them. But my creditors are still putting on late…
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as if we needed more hints that we are doing the right thing...
The Guardian's analysis yesterday quoted a 1 in 3 chance that the property market will crash in the next 3 years and Metro today has a huge article about personal debt in light of the proposed interest rise.... eek! :confused:
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How much have/will you spend today Tuesday 7/11?
Good morning lovely DFWs :) Hope you wrapped up warm before you left this morning - it is bitter out there! Feeling totally revived this morning as I am walking in shoes that are balanced and not one boot one flip flop! :rolleyes: Those of you that have been following my toe nail saga will know I wasn't trying a new…
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Woo-hoo!! New job!!
Hello all! I first posted on here a few weeks ago after I found out I might be getting made redundant - I was in a right old panic, worrying about paying my debts with no job. Went for an interview last Thursday with the biggest firm around here, thinking I'd NO chance of getting the job... they've just rung me to offer me…
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Money/Ebay challengers
Morning all, Enjoying the Ebay monthly challenge, the £1024 money from nothing and money from anything challenges. At my local Tesco yesterday I received a till spit voucher and found another. They are for 25 extra club card points when you spend £1.20 on bread (including instore bakery). I do no see myself using them as I…
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Dca In Default !!!
Hello people. Until recently I had a seriously horrible DCA chasing me for a £8000 debt. A payment plan was refused as they thought that I owned my house and therefore they gave me the stark choice - either pay the full amount (plus a £300 + VAT charge!) or we will bankrupt you and you will lose your home. To be honest…
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had everything sorted - feel bit down again today
hi everyone - just had a crappy couple of days again and thought posting on here would get it off my chest (since nobody else knows about my debts) had been so pleased - finally had light bulb moment last month, contacted all debt cmpanies and was sooo chuffed when I paid my first installments a couple of weeks ago. but…
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i can't believe the cheek!
l have debt that's been in dispute since Jan 06. Every time l write off for my signed credit agreement and statement of account (using letter template found here - thanks!) it just gets passed to another collection agency. So far l've requested the details on 5 separate occasions, each time enclosing the required £1 postal…
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quidco
Hi just a quickie on quidco which no doubts been asked a million times so apologies in advance how long does it take for any transactions to show up in your account and also am i right in thinking there is a £5.00 joining reward??? Thanks again
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bank charges????
hi ive read a few bits about bank charges been refunded under what circumstances are people doing this is it those people who are in iva's or repaying debt or is it bankrupcy people im not sure what i am doing yet is it worth asking for refunds ??? is it for over the limit charges and late payment fees or what ? any help…
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Thank you to other DFW'ers...
For taking the time to read posts.......from newbies and oldies.....and answering them...... I am reading...but feel I haven't the energy at the mo for other stuff going on...including my own.....so don't feel I have anything 'sensible' to add to the posts........hope no-one thinks I'm being ignorant.....but by the time I…
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Car Help
Hi first time poster here i currently have a car on finance but can no longer afford the monthly payments i am still up to date with the payments i have tried writing to the finance company and asking them if i we can sort something out but i ve had no reply and i wrote to them around a month ago does anybody know how i…
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Confused!!
Hello all, Just a quick question about credit card late payments. I was led to believe that any late payments were classed as a default on your credit file, however having missed a payment last month which is still outstanding they have written to me to say that unless i pay the amount due they will issue me with a default…
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Here is my rough SOA:
Monthly Incomings: Hubbies salary - £2004 give or take a few pence, but will reduce next month to what I think will be about £1500!!! Benefits - £100 Total (going from what we will have) - £1600 Monthly Outgoings: Mortgage/Rent - £753.00 (interest free supposed to go up to £1050ish next September!) Council Tax equivalent -…
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Here is our SOA
Hi All Now that I have finall worked out what SOA means (doh!), here is our SOA...It doesnt sound bad at all but for us it just seems like its going to be years before its clear, or before we can get a house together....... £8000 student loan with low interest a year £6500 for car with 5.5% interest a year £2600 for a…
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Anyone's advice would be appreciated!
Hello! I am a newbie, and think this site is so encouraging to read and to know we are not alone with debt problems, even though it feels there is no light at the end of the tunnel! However, some of the stories on here are so inspirational and it has given me the courage to post a message! I got married 4 months ago, and…
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reducing dmp payments - query
hi all my lodger is moving out next month and their rent to me was a large (45%) part of my dmp budget - hopefully it shouldn't be too long before i get someone else in - not having much luck at the mo - and CCCS have said i can reduce my monthly payment but my query is as i am only 2 months into my dmp will my creditors…
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Freephone Number???
Im Going To Give Sky Another Chance Anybody Got Their Number Free Number Preffered Obviously
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Can someone tell me not to stress please!
I really, really, really want to start paying off our debts but my hubby is changing job which means we're going to be down £500 a month for at least 2 years until he passes training and gets more pay! I'm still stressing about the credit card though and the overdraft which I really don't want to make higher! Want someone…
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The GreenM Challenge - can I make £50 a month?
Hi eveyone, My challenge is to sell used books on Green Metropolis (GM) : https://www.greenmetropolis.com The aim is to eventually make £50 in one quarter and then continue it on to make a steady £50 every quarter thereafter to help reduce my debts. Since GM is notorious for its slow sales I am going to set a challenge to…
