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How am I doing?
hello ive been a lurker for some time now just getting tips from you great people but worried about nxt months interest rate rise on morg i was wondering if there was anyways of cutting back. I'm a student at mo & don't work but getting 666/mth grant (PGCE) I have about 15 thou of student loan debt which i dont have to pay…
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19.4.07 what small DFW thing will you be doing/have you done today?
Good Morning! Let us all know what small steps you are taking today on your road to being debt free. Be proud of them, they may be small, but they are oh so important :D Today I will be: - sending everyone off with packed lunches - making a storecupboard dinner - trying to find the cheapest way of replacing my dead laptop…
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CCJ's Court?
Have a Debt collector (Lowell
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Advice wanted/needed
Hi there! I've been lurking here for months, got some great tips by the way, but this is my first post. Just looking for a bit of advice. I have a debt totalling just over £24,000. I have three creditors and currently have an agreement with each of them where I'm paying in total £151 a month between them. One of these…
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One down!
Goodbye, Cahoot flexible loan! A pox on your interest rate hikes! I've been very stoic about dealing with my debts. Once I sat down and faced the figures, I developed a very practical attitude (and an Excel spreadsheet!). Cahoot is the first one I've been able to clear outright. I did it tonight, and I honestly didn't…
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Anyone in an IVA? Please help!
Hi Just been on the phone today with Payplan. They have offered a Debt Management Plan to sort out my debts over 9 years! which is no way what I wanted. They would only consider an IVA, which is what I wanted, if my wife joined me on a Joint IVA, as one of the debts is also joint, but the very large majority has noithing…
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Loosing the plot
Hi All, haven't posted for ages. My DH was having a go at me forspending too much time on the laptop! But I need some advice/support as a I feel like I am totally loosing the DFW plot. Since finding this site and having my LBM in August last year our debts has been reduced from over £22000 to jsut over £8000 at present. I…
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Unfair claim against me for council tax. Any advice?
Evening Ladies and Gents; My issue started when i moved into a new property at the end of September 2005. I moved the house with people that i knew quite well, two of which i had lived with before without any problems. In total there were four of us in the house. My self and person 'A' were new additions to the property.…
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DFW meet?
Where should the DFW meet take place?
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Who's the biggest perv?
Further to previous discussions... ;)
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In Need of Urgent Help Please
I am a 32 year old single mother with one 3 year old daughter. i work 16 hours a week and find my self in £7000 worth of debt not including water bills and others small debts. I have been approached by a debt company offering to cut my Loan/Debt repayments from £253 per month to £127 per month which is very tempting but…
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Not a Bad week for me!
I have been paying off debts for 30 months and it's very tiring. I have also become complacent as my debt reduces and thought I had done it all! Last week, I set myself a challenge to reduce outgoings further and I won! 1) Re-checked Elec/Gas supplier. I discovered that if I changed Powergen tarrif from ONLINE SAVER to…
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Nearly there but need help cutting back please...
Ok here goes.... not sure if anyone can help but worth a try! Nearly cleared the last of the visa, only £800 to go then I'm onto the mortgage :beer: however the wife has just finished paid maternity leave and has in effect given up work to be a full time mum (though her work don't know yet so shh!), and as you can imagine…
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AQA - do I really need a degree?
Before I start the supposidly 2 hour long test they sent me, I am wondering whether I really have to have a degree. I am a student at the moment, working towards my degree, but obviously I don't have it yet. Is it still worth applying for?
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I can't see a way out.
I've just sat down and worked out how much I owe and when I saw the total I've just nearly thrown up. I don't how I'm ever going to find a way out. :( I don't know what I'm going to do.
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Which companies provide the best DMP?
Hi All, Not sure if you have read my previous posts, but i want to do a DMP, I am scared though because what if my lenders don't accept it? Is it Legal and am i wasting money? Sorry for all the questions but which companies are the best for DMP? Thanks in advance. x
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Site Notice?
I'm trying to get planning permission for a Single Storey Rear Extension, I've checked the Council's website, it says 'Site Notice Issued & Display until 15/05/2007'. What does this mean? :confused: Many Thanks Colin
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Creditors Making Settlement Offers
It annoys me this, What do you do? Like tonight, I was talking to MBNA about my card and the wifes, I owe £700 or there abouts they made me an offer £200 if I pay tonight, and the wife owes £1600, made and offer of £600, I told them, its not that we have money and aren't paying, its the fact we don't have any money, and…
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Need a bit of DFW TLC
I was posting here last year to be a DFW !! In January this year we suceeded - we had paid off a big portion of our debts and then a re-mortgage for a cheaper rate but a bit extra of the equity (house wirth £200,000 mortgage £80,000) we managed to clear all our debts, loans, etc. We also managed to stretch to a new kitchen…
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Who's In The Wrong Mbna Or Payplan?
Basically Payplan are paying MBNA for me, they are paying £6.65 but MBNA have tortured me saying that they have worked it out wrong and it should be £7.76 so I contacted payplan who said the following. The offers are all calculated on a pro-rata basis, which means every creditor gets a fairly proportioned amount of your…
