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Just Recieved my Experian Credit File......
Hi, Just checked my Credit File for the first time online, and to my upmost amazement my score was 999 out of 1000 - marked as Excellent I honestly didn't think it would be that high, as I've had 2 loans numerous credit cards, over drafts etc, but they are all settled so maybe that is why... Question though, why might this…
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debt now written off?
i have received a letter from a debt company chasing my ex's debt to littlewoods - they have closed the file and returned it to littlewoods, but, i have been paying them £10 a month for over 2 years now and there is no mention of getting this back could anyone help me with a template letter asking for the money back please…
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Consumer Credit Counselling Service
Hi So I have some debt that I want to consolidate. I found this website and after filling in all my details of income and expenditure (took around 20 minutes) it then electronically put together a report for me. The report stated that CCCS would "take on" my debt so to speak and I would pay them £150 per month which they…
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DFW Blogs
I love reading the diaries but have become blog addicted ! Any dfw blogs for me to gather more inspiration ?
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Sky TV - switching for better deal and cash back
We have Sky TV, the full package for £45 a month. It's in my name but from OH's bank account (changed a long time after initial join up from my account at times of my money troubles!) I could live without it but he pays for it and watches it mostly.... Plus he can afford it, so who am i to complain! The thing is I want to…
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Online competition sites
Hi guys I am confused :confused: I have seen recommendations on this site to join things like www.!!!!!!.co.uk and other free online competition sites. However, they are free to join and enter and claim they have loads of free prizes. Is this possible? Are these sites just a big waste of time? Has anyone here actually won…
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Hello
Hello I have to say I am a newcomer, and have had a wake up call regarding debt. I have joined up as a MS and taken on 5 jobs so far making myself £38 clear since 10/9/07 ....:T .hoping to improve on this every month. Thanks to this site. And tomorrow I step cautiously into the unknown world of Car Bootsales.:eek: Since…
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i cant beleive it
i have been watching MSE for a couple of years now though i am quite thrifty (well i thought i was) i have just completed the budget planner and to my utter amazment i can save myself and family over £700 a month. i have loads of different insurances that are actually covered on my home insurance, we are down grading to 1…
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i cant beleive it
i have been watching MSE for a couple of years now though i am quite thrifty (well i thought i was) :confused: i have just completed the budget planner and to my utter amazment i can save myself and family over £700 a month.:j i have loads of different insurances that are actually covered on my home insurance, we are down…
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CCA & Mobile Phone Contracts
Hope someone has the answer here. I have asked a creditor to provide a CCA. It relates to a defaulted Orange account. Letter back states that mobile phone contracts are not covered by CCA and therefore don't have to provide. Any ideas guys? Dave
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Starting the party early!
Can the party get started please, just opened a can of lager, waiting for my MIL to make my lamp chops and chips, and am trying to progress through the gridlock game that was posted on the freebie board! How sad am I?
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Sainsburys are selling my debt
Well, at least they sent me a letter to say they were going to sell it to a debt collection agency. Anybody had a similar experience? It's a large debt, the biggest I've got.
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My wedding new official photos on page 3
I've just picked up some of the cameras which we left on the tables. Loads of drunken rubbish but a few to share. I won't get the official ones for a couple of weeks so here you go. I don't half look fat though :D wish I'd tried harder with the Lenny challenge now :mad: me eating a flower
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Hello strangers, I'm back....
I used to be totally addicted to this forum but then I think I let things slip a bit and stopped coming on here. Well I've decided to start visiting again and hopefully try and get back on track, my debt hasn't really increased since I was previously on here, but then it hasn't particularly gone down dramatically so…
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Feeling dreadful pls cheer me up!
Hey guys woke up this morning feeling just terrible, head hurts, sore throat, full of cold etc _pale_ . Have got to drag my backside to the shops to get my wonderful boyfriend :love: some birthday surprises and a card (and try not to overspend!) and yesterday my networking for my new business was going swimmingly - getting…
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What other boards do you DFW's visit?
hey, I'm just curious to know which other boards can help with the DFW way of life. For me, savings etc. are far from where I'm at, and I don't have a morgage, one day I hope!! I've noticed loads mentioning the Old Style Boards, but is there anything else you wonderful DFW's would reccommend? thanks xxxx always_amazed
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Pls help with by over the overdraft situ
Hi all I am a new user so please be gentle.;) I have gone over my overdraft limit with my bank and they charged me £150. This in turn has left me in debt for the last couple of months as it turns into a vicious circle. I have calculated my incomings and outgoings and my outgoings don't exceed my incomings (just!). The…
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Learning the value of simple things...
Hello fabby DFW'ers! I've noticed that there are quite a few new DFW'ers here at the moment and with Christmas coming up know that will be tough! Also thought it would be good for some old timers to re-visit the benefits of being a DFW! So what have you learned to value that you didnt when you were spending? For me it's…
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Can you live of basic/value/smartprice food for a month?
Hi All Im thinking of October being a basic month, in time to save some extra money for Christmas. I already have the odd value items, but what inspired me is in Sainsburys, they have some booklets for students, on filling your cupboard with basic food, and eating for basic food. So im thinking of giving it a go for a…
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Are there any standard first steps to being debt free i should know?
Hi, what i mean by the title is what are the key elements people have implemented into their saving when they began trying to be debt free. I need some form of list of fundamentals so i can set myself going etc. Between me and my partner we have a reasonable ammount of debt although it is mainly student debt therefore most…
