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Big brother spying on my credit?!
Hi folks, Well this is quite freaky. The post just came and I looked at the names to see what was for who and noticed on both letters for me there was a small number towards the top-right hand corner of the envelope window. I guessed it was from the same sender but when I opened up the letters, one was trying to tempt me…
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Visa disputes
does anyone have a number for them please? my bank gave me a number and I have been on hold now for 40 mins, this is stupid! Or alternatively does anyone know of a shop or anything that trades under Maxine Yvonne Floyd? I had £20 go out of my account and I cannot for the life of me work out what it is! Any help would be…
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Daily Mail today
Hello, Interesting article in todays Mail, about 3 women who will never pay off their debt (due to it being too high). Also in the money section there is an article about money myths. FYI
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How much have/will you spend today Wednesday 29/11?
Good morning lovely DFWs :) First thing first - big THANK YOU to Imelda for opening shop yesterday! :beer: I tried to log on a couple of times and I was not wanted :cry: (the site kept telling me it was not there) so I had a day off instead! I did read yesterday's thread though and I noticed some of the regulars were…
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Woo hoo - bye bye HSBC Credit Card
I've done it! I phoned and closed my HSBC credit card this morning. My balance has been sitting around zero for a while and I was going to keep it for work expenses but it was too tempting to spend on it when I had work stuff on there. So, the remove the temptation altogether I closed the account totally this morning. What…
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Morecroft aren't very nice are they
Im with them for one of my smaller debts. CAB worked out I should pay them around a £1 but the min they would accept was £5 pm so I agreed to that and have not missed any payments. Today I get a letter to say they will increase my payments to £10 and can I return the DD form (think I pay by SO so dont think so!!!) Phoned…
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New here, at the end of my tether
Hi. I have been lurking awhile, which seems to be how everyone starts on here, but I am really feeling it now. I am a single parent, but my 16 yr old has left school. and is working part time, and my 9 yr olds Child Tax Credit and Child Benefit gets claimed by her dad, even tho she spends more time with me. There were…
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Interim Justica
They keep on trying to ring me but I keep missing the call but who are they? Do I owe money or something? I can't think of anything...
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Delays from HFC
I have offered by letter, a full & final settlement figure of £7k using some savings and a small loan from a friend against an early settlement figure of £9k as I can longer afford to keep repaying monthly installs. That was 3 weeks ago, and have had no response. I rang up and complained and had a letter today saying my…
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Sweaty palms, weak at the knees etc
God I wish it was half as thrilling as it sounds LOL! Just fielded my first call from creditors, who wanted DH, and I actually managed to tell them all communication is to be in writing as stated in our letter. They backed down instantly, but my knees went all wibbly. I stood up to talk to them then swiftly sat down!…
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Help with my 9K debt?
I have 9k of credit card / unsecured loan debt that I need to pay off and am struggling with the repayments. I have spoken with payplan and they have suggested a 2 year repayment plan with my creditors, paying 400 pounds per month off. My three creditors are LloydsTSB, Barclaycard and MBNA. Would the creditors be likely to…
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Can I choose method of charge refunds?
I've also posted this at consumeractiongroup, but I'm hoping someone here might be able to help. My case is a little unusual so please bear with me. I'm in an IVA and am in the process of claiming back my charges from credit cards that have been defaulted and passed on to DCAs. Despite my consistent request for refunds to…
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Garlik (and searches)
I've just got the first part of my Garlik report. It says that I have no searches in the last 12 months which isn't so good (apparently). In the last 12 months I've had a Mint card and a Virgin card as well as got credit on catalogues. Wouldn't they have searched? I wanna have 5 stars!! *pout* Also, thought this was…
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An absolute nightmare!!
Hi there everybody, I have been watching the forums for the past couple of weeks and now realise that the situation that myself and my partner are in (mounting debt) is not isolated. I have started on a DMP, very happy with what has been arranged so far. However, I took the advice to open another bank account, so that…
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Needed... one proud DFW! URGENT Help pls
Hi folks I was interviewed for a profile for a womans magazine 'First' the other week, and ended up rabbiting on about how brilliant the DFW board is. Now they're saying - we want to do a piece on someone it has helped or is helping and how the board has been great for dealing with their debts. So if you're a proud DFW and…
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Am I the 1st Christmas fairy this year?
Evening all... :p Its my 1st payday since the big B.. Boy does it feel good. Its all mine, I have been Chistmas shopping and decided, that tonight, My Tree goes up.. I have a nice bottle of Rose, Mariah's Christmas albumbn is on and this is going to be the best Christmas for us both ever.. After the last dismal Xmas and…
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Paid "full & final settlement" last year, now new DCA wants the rest!
Hope someone can advise us. I often read this board as our son is in debt, and it's great the way you all encourage each other!:beer: Last year our son set up a DMP with Payplan. It seemed to take ages to set it up, and in the meantime he accrued an overdraft (not for the first time) with NatWest, who had steadfastly…
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Just damaged my credit report. What now?
I just worked out that by consolidating my two loans with a northern rock loan i could save £2000, reduce my monthly repayments and be debt free sooner. Bonus. However, northern rock turned me down, then lombard then egg. I don't know why i applied for three, its totally against my nature. Anyway I know i've damaged my…
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Milestone
Hello, I just realised that I reached the sub £5k milestone this month! Woo hoo! Getting there slowly but surely! :j
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What Should I Do?
Hi, two years ago i ran up a debt on my credit card, and what with late payment fees and over the limit fees it came up to £700+. I paid off the odd £100 here and there, and I came to an agreement with a debt collection agency that if i paid £40 per month till the debt was paid that they would not take me to court, but if…
