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A kick when needed!
I so needed to hear that!
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finally sorting it
Ive known we were in debt for a while. It started 4 years ago when i found out that my husband had got us into debt. It caused fights and we almost lost our marriage. However another child later....we have 3 now (she's 13 weeks old) and I am so skint. I have 23k debt .....my husband has 30k debt and we have a house worth…
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Im might be missing something here.
I have already started claiming back my chargers from my current bank - Nat West. I have another account with LLoyds TSB (we moved because the chargers was killing us - it got no better). Most of our debt is credit cards - can we claim back the chargers on them? If so can I state that any refund be taken off the ammount…
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Just don't know where to start?
hi, I will just go right into my situation i think, well here goes. In 2004 my husband and i decided to buy a house after 7 years of renting, we moved in in july 2004 after everything went through fine. The following april it started to go down hill from there, with my husband getting a phonecall from his employer n the…
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My SOA - please advise
Re: Be gentle Hi cazbar. I'm more than happy to help but you will get even more advice and suggestions if you post this on the DFW board. Two heads are better than one so to speak. Just copy what you sent to me and put it in a thread titled something like 'My SOA - Help' and you will get loads of advice! Quote: Originally…
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Want to get rid of the car!! Help
Hi y'all I have a car on finance, which is supposed to run for three years, and have now had it for 20 months. I heard that you can take it back after half way through the agreement, and would like to do this as it would save me around £200 permonth. How easy is it to do this and does it have any negative impact on my…
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Threatening Email from Egg
Got an email from Egg this morning (see below): 'We have received notification from the CCCS that you are preparing a debt management plan, and they have also provided us with your client reference number. I need to make you aware that once your accounts fall into arrears they will be issued with Default Notices and then…
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Minimum to clear debt?
Does anyone know how much a credit card company would accept as a minimum to clear the debt, i.e. as full and final payment? I have M&S More, Virgin and Halifax One cards. Any advice will be helpful. Thanks.
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"our doorstep agents have been instructed to call"
I'm doing my nut at the moment because I received a letter from a debtor this morning with "our doorstep agents have now been instructed to call at your address to collect the full amount owed". i'm trying to save up the money to declare myself bankrupt, but it's going to take me 6 months, and I doubt this agency will wait…
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27.4.07 what small dfw/mse thing will you do/have you done today?
Hello! It's Friday :j We all know that the big changes can make an instant difference to our finances, eg cutting up the credit cards and cancelling Sky or the gym membership. But once we have done all the bigger stuff it is sometimes hard to realise that we are still doing DFW stuff each and every day! They may be small…
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What have / will you spend today? Friday April 27th
Morning everyone Hope you don't mind me starting today, am up early and am at a bit of a loose end. It's payday though, so have a big smile on my face! Today i'll be spending: £6.85 on a prescription (hope it's just one anyway) and taking £10 out of the bank to take OH for a drink later :) No 'really' unecessary spends -…
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aniter meet
Hi all, i am going to the blackpool meet in september, Cant wait. Bt i mentioned in blackpool thread about also having a meet in otley. Any of you yorkshire/leeds/bradford fancy a day or evening out there. Loads of pubs and cafes. Uggins of charity sops to trawl round. So let me know if anyone is up for it.
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Debt Collection Company After Me
Hi last Friday my ex husband posted a letter through my letterbox. I opened it and to my horror C.A.R.S (Creditlink Account Recovery Solutions) had issued myself a FORMAL DEBT NOTICE and was writing to me on behalf of Budget Insurance regarding unpaid car insurance £133.27. I have never taken out car insurance with Budget.…
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Problems With PayPlan
I was wondering if anybody else has been experiencing problems with PayPlan in the last 6-9 months? My problems (in short) started 5 years into my arrangement with them, I had a great case officer, who was supportive and helpful and made sure that my creditors knew exactly what was going on and kept my income/expenditure…
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Advice on overdraft please
I am new here and a self confessed ostrich when it comes to finances...until now that is...needs must so I am looking forward to joining the community of savy money savers! I've checked Martin's advice on this site once or twice before and it's been great (thank you!) but I am unable to find the answer to this one so I am…
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Please help :(
I'm in a bit of bother-please help me guys!?It's regarding council tax and a recent baliff visit. I have got existing council tax debt from my previous property, obviously they took it further and passed my debt on to a recovering agency when I missed payments. A company called Rosan Heims in Croydon. It wasn't until early…
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Snowballing?
Sorry if this question as been asked a hundred times before, but i wondered if anyone could shed any light and give an example of what snowballing is? Thanks in advance x
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Quick question
I'm in the lucky position not to have any charges to claim back but a Bosnian friend has just received a letter from Barclays. The local water company's DD 'bounced' as there were in sufficient funds. They tried to take £35.40. Because of this they are charging her £35 admin :eek: Is this illegal charge or does it have to…
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What do you refuse/hate spending money on?
Thought this might be an interesting thread :) I'll go first: I hate spending money on: - petrol - now I dont own a car, but when i'm at home and using mum's petrol is a nightmare! (and insurance and tax as well!) - prescriptions - now I know these are necessities, but still annoying! - underwear! - lol why spend £20 on a…
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Split up with BF
Not strictly speaking a DFW question but I have seen very good advice on here so I want to post my circs and ask whether what I propose to do is sensible or insane. This is the rough SOA. The bottom is the worst case scenario (well maybe not the 100% worst case but quite bad). My boyfriend and I own a flat and I need to…
