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Ashamed to say I'm new!
Hi everyone, Well I'm hoping youll all accept me as a debt free wannabe! My fiance and I have just bought a house (his second, my first) which has been a bit of a moneypit - it has needed a lot more work than we thought and until it is finished we are paying both rent and mortgage (hopefully not much longer though!) Prior…
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help!what to do now?
Hi,i consolidated my 2 credit cards and 2 store cards.I even got letters from the credit card companies accepting this EXCEPT one credit card company who have referred me to another company who keeps on calling me and saying they will take action.I have told all this to my debt consolidators but this other company is not…
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When will baby Snaggles appear?
I remember the thread that was started taking "bets" on when Immoral_Angel's little girl would be born, and her weight, so I propose one for Snaggles! No prizes other than boasting rights for the winner (this is DFW, remember), but to join in all you have to do is say what date and time you think Natasha will be born,…
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Please help me to get out of a hole
Hi, Not quite sure where to start so I'll just go straight into it, all of my debts were being paid slowly, but I was constantly in an £800 overdraft with Abbey. They sent me a letter last week saying that they werw withdrawing my overdraft on 1st June and I had to bring my account back into credit, which at the moment is…
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Snowball isn't very helpful cos these debts are a bit complicated
In a way I'm not surprised snowballing hasn't quite answered the situation. This is how I stand right now: - £2574.98 on a Cap One credit card till 1 Jan 2008, minimum payment is 3% of balance, so April's payment, just gone, was £79.63 - £8220.66 outstanding on a Northern Rock loan, fixed 5.7%, payment of £156.57. I could…
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New Debt free wanna be!!! SOA included
Hi Guys, I've been an avid lurker of this site for ages now and thought it time to post!! Me and my hubby have got around £25,000 of debt, its really scary and we really want to try and pay it back. Unfortunatly my husband isnt working at the moment but is hopeful he will get one of the jobs he applied for recently. Once…
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What to do now? Help Please
Hi All, Well me and my husband had our lightbulb moment a couple of weeks ago and decided to get our debt situation sorted. We did an IVA the year before last, which failed last year. We have not been contacted by quite a few of our creditors since then. So, I got writing letters to all our creditors to confirm our current…
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Please can I have an MSE sticker...
....you know like the kids get for being good at the dentist ;) I was - shall we say approached, by a local good-yet-expensive photogrophers for a *free* 45 min sitting and *free* no obligation 5x7 print. I paid my £20 deposit and the sitting was fantastic - I insisted that they only take pics of the girls together (so I…
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bank acounts
Hey can anybody help me? I plan on claiming bank my bank charges for the past four years. I want to set up a new account elsewhere. I have a very poor credit rating. Can a new bank refuse to give me an account? Thanks Snowboy.:confused:
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Whats The Best Thing To Do If You Over Commit?
I've stupidly over commited myself and wondering what the best thing is to do? I took out Sky a couple of months back as I couldn't afford a freeview box (I know there only £20 or so:o ) and the same with a mobile phone, I couldn't afford one so stupidly took out a contract at £30 a month minimum, so thats £50 a month I…
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help template letters urgent
Hallo I can't seem to find the thread with the various letters to send to creditors. does anyone know where to find it. have had a CCJ threat from debtmanagers despite the fact they set up the standing order details for collection. grrrrr. appreciate any fast answers or link to hold action template. ona
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Could I ask a little advice on shifting debt around?
Hi everyone, I'm quite new to this forum but I'm enjoying all the money-saving ideas. I wondered whether I could ask a little advice. Our current situation is like this: We have a total of £3500 owing on two Lloyds overdrafts (Platinum 2K & Budget 1.5K) when they are maxed out. We owe about 10k to MBNA (17k credit…
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Big Problem with Credit File!!!
My dad’s just check his credit file with Experian & Equifax, and it claims that he’s not on the Electrol since 1991. He checked with the Council and he is!!! :confused: What can he do about this? It’s given him a bad credit rating the last 16 Years!!! :eek: Many Thanks
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how much have/will you spend wed 25th????
morning guys, totally miserable looking day up here, but my daddies due in ten minutes so :j I'm a total daddies girl and I don't get to see him enough. We won't be doing the bathroom floor today after a discussion last night (might need to lift the floorboards when I do central heating in the summer) but we'll either…
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Hi to everyone and thanks - vista help required too!
Hi all, Thanks to everyone for making this site so good. I've been lurking for about a year and persuing the email but I finally posted for the first time this week. I have joined the DFW club, wrote to ten companies who I settled accounts with in 2003 with the DPA letters and am in the process of drawing up a budget plan.…
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Hi everyone im a newbie !!
Hi I hope this post isnt to long for you all sorry , I joined MSE over a year ago but never posted as I felt ashamed i now know I don't need to feel like that.... it all started when I went back to work after having my first baby in september 03 , i worked part time as a waitress just to give me some pocket money my…
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25.4.07 what small dfw/mse thing will you do or have you done today?
Howdee fellow DFWers 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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Properties for no money down deals
Hello, I have been buying from property clubs for years. Am sick of paying crazy fees to them, 2%, and also some deals are poor. I have started approaching builders myself, and buying 5 plus units with other investors. Buying in bulk, we can get 15% discounts, and take that as a deposit when getting mortgages. Most…
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Best way I can help a friend in constant debt?
What is the best way I can help a friend who's constantly in debt? I'm sitting here, going through my friends last six years of HSBC statements for him (I volunteered and he cannot read very well). Without wanting to give too much detail, as obviously it's quite personal, but at the same time, I want to be able to help him…
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Annoyed, frustrated, embarassed - Money Ideas?
Hi all, As you will remember I had a disaster with money and work and other things that led me to a slump into depression and being very very down, I had got myself into a pickle with money and things and couldnt see the wood for the trees. Thankfully my parents got me a loan to pay off my car and I cancelled the insurance…
