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have i done right thin setting up direct debits to repay debts?
I owe @ £50k to 6 creditors and have been succeful in reducing the monthly repayments from @£850 @£350 with the interest frozen. I have been making these repayments for @ 18mths by cheque, however, 2 months ago i completely forgot to make the payments and recieved a letter from one of my creditors saying i had failed to…
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Advice needed to fill out a court claim form please!
Hi everyone, I had a letter come around 9 days ago form the court,claiming some of a MBNA credit card bill,it seems quite self explanatory,but I really don't know what to do! I have gathered that I have 14 days to fill it out,they state 14 days is 5 days after the issue date,which was 21st March. Then I'm not sure what to…
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Cancelling Sky To Get Money Off
I have had my Sky for over a year now, it is £43.50 a month, in my name but my OH pays for it (I didn't want to waste money on it!). I think I read somewhere that if I phone Sky to cancel they will try and tempt me to stay by offering me a discounted rate for a while? If they don't offer me a discount can I just tell them…
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Help - dont want more debt!
Hi I have recently had to purchase 3 items from Currys - a Fridge, a freezer and awashing machine. They are to replace the fridgefreezer and wshingmachine we already have all 3 have now ground to a complete stop as we have hung onto them waiting till were desparate to replace them as trying to work our way to be debt free.…
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Please Help!!
My SOA is Debts £500 cash till payday, to delay its £70 every month. £9514.90 Welcome loan. paying £264 a month. £1266 Council Tax, I have an errangement on paying £50 a month. £700 Catalogues £1180 Provident paying £25 a week. £150 Electric paying 12.50 a fortnight. Regular Bills £450 Rent a month £89 Council Tax a month…
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Credit Card or Loan
Hi, Ive got debt of £2411 split over 2 cards, the Mint is now charging me interest. Ive just applied to Egg (had an Egg card before) and got turned down. I'm getting a bit tired of keep switching cards to 0% and am thinking of getting a bank loan. I know the % will be higher. That way I will have no cards to spend on, the…
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Moorcroft Muppets!!!
Not sure if anyone can remember me, had lots of !!!!!! go on last year Splitting with ex, he took PC, hance why I havent been online!!!losing home, nearly B&B which was happeneing on a Monday, but on the Friday before, I was offered a flat, which I took very gratefully, so me and daughter moved, then week later she started…
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My Situation.... Please Help
Hi people, Im not sure I am posting in the right section as this is my first post, but I would appreciate some guidance, I have debts I cannot afford to pay, and the lenders wont budge, I currently owe, £500 paypal, £6000 Bank (+£2000) Charges, £1500 Credit Card, and a few small other debts, What I did was went over board…
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How much have/will you spend today Monday 2 April 2007?
:hello: Hello all, I know Moozie's very busy at mo and I need this to keep me on the straight and narrow so thought I'd start it for her! £2 on Park n Ride - because my pre-paid tickets didn't arrive even though I ordered them on Thursday :mad: £1.30 ish on posting eBay parcels £1 max on sweeties - my Monday treat! Keep it…
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Trust deeds questions..
Hi, I signed a trust deed in scotland and it finishes in january 2008. Whats happens next? I think I may have missed one payment I'm not to sure. Thanks for your help.
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Reclaiming PPI
Hi all, As anyone heard about reclaiming your Payment Protection Insurance (PPI) on any loans etc. I heard on Friday (Radio 5) that the same people that found that the bank charges were unfair have also said that many PPI payments were miss sold and hence can be raclaimed. Does anyone know about this ???
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2.4.07 what small DFW thing will you do/have you done today?
Good Morning everyone and thanks for keeping this thread going while I have been away. Let us all know what small steps you are taking on your journey to becoming debt free. Remember that it is not just the big things that help (although of course they do) but the small things that are forming good habits and chipping away…
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Matched betting..how much do you make?
Reading diaries it seems quite a few of you are now matched betting. I looked at it a while back and didn't understand it. Lately though I can't get rid of that nagging feeling that i'm missing out on a good opportunity to earn some extra money. Pigsback and surveys great as they are I don't earn much from them and so…
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advice needed re: medical hitory
hello, i'm new here, this post is probably on the wrong board, but i've been lurking here for a while, and feel comfortable here, please move it if in wrong place. my problem is i have been off work for a while, i'm waiting to have an opeation on my arm, i had a care and concern meeting with two of my managers, during this…
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Have I done the right thing????
Apologies as this isn't strictly DFW but I feel at home here! I'm in tears at the mo, and don't know if I've done the right thing. Mum needed a new car - hers is a death trap - the seatbelts undo, the brakes are dodgy and a lot of the electrics are faulty. We found a beautiful car at yesterday and she loved it so we…
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Mercer's Debt Collection - Please Help!
I've entered into a DMP with the CCCS and is taking a bit longer than expected to process. I've been making my £1 token payments however, Barclay Card have now handed over my account to Mercers Debt Collection. I told Mercer's what is happening and gave them all the details etc. When I got home on Friday, I had note from…
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At rock bottom, please help.
Hello all, I'm new and I really need some help. I've just done my SOA and can't quite beleive it to look at it. I feel like such a failure. I'm going to be 30 soon and my life is a mess. I'm up to my eyes in debt, have virtually no assets to my name, i'm overweight, have spots and a crappy flat. I'm sorry to be such a pain…
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credit accounts and long closed bank accounts help needed
Hi All! I got myself into all sorts of trouble a few years ago which ended up with me still paying it all off. The biggest pain was allways a company called Clydesdale. i had a £300 credit account which went a bit wrong when i missed a couple of payments. cutting a long story shorted..... the outstanding is still £1500. i…
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Is this the worst SOA ever..!!!??
Ok here goes, though if anyone can help me i will be surprised. debts. Morgan stanley £3940 MBNA £10525 Natwest CC £1937 Mint £1200 + about a £150 catalogues and an overdraft of approx £500 and a council tax debt of just over £400 income. Wages £577 pm Rent from daughter (she only works part time at mo but is hoping to go…
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Hubby's 40th Birthday - an update
Some of you might remember a few weeks I asked for a (virtual) slap as it was going to be hubby's birthday and I was contemplating spending a shed load of money. Anyway I thought I would let you know what I settled on! Last night we went to the all you can eat and even with a bottle of wine the bill came in at under £50 -…
