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Byrom And Keeley Rip Off Or Real Help ?
Hi all hope you are well ! My partner was contacted by BYROM AND KEELEY whilst I was at work ( temp ) and by the time I got home ,you would think that shes got shares in the company - they had her on the phone for nearly 2 hours and now to her they are the awnser to all our debt problems Theres something about them that…
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still in a mess
hi again i posted a soa a while back but things seems to be getting worse for me just now, i now owe ctc £2420 and am tyring to sort out a payment plan when they decide to answer the phone, but the main question i have is income support have reduced my benifit by £22 per week to clear an old loan from 3 yrs ago now this…
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Miss Marple Hello and SOA.
Hi all, :T I'm a long time lurker, I've been in debt for a while and have been reducing what I owe but never really had my lightbulb moment until now! I've decided that I want to get rid of it once and for all. My SOA Household etc: Rent: £540 Contents: £10 Council Tax: £75 Water: £20 Electric: £50 (hopefully cheaper, but…
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Does a leopard ever change his spots?
Hi i was extremely foolish with money in my youth and didn't sort myself out until my son was born 6 yrs ago (my hubby and i basically never paid anything on time and ended up with ccj's etc) now however i am pleased to say we are debt free and live with cash only. The thing is at the moment we live in a council house…
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Thanks for not letting me consilidate
:T Dear all, A thank you for a all your advice, i was about to consilidate and get a loan to have one payment a month. With all your advice i'm going to try and snowball the credit cards, then pay extra off my loan. My cards are on 0% so it does make sense why pay the bank more and increase the debt with a loan. I feel…
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Tinka's Debt diary
Just like everyone else with a diary, i want to keep track of what i am doing with my debt! I have been lurking for many months and thanks to this site have joined Quidco and Topcashback. I have always been an avid ebayer and carbooter but think i may have sold everything now! My debts have accrued for many reasons being…
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paying off creditors ?
has any one paid of creditors with an offer 14 k of debt thanks paul ps posting messages but they dont seem to be on apologies
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negoitiating with creditors
hi have 14 k of debt has any one offered a settlement figure to them to them thanks paul.
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Help with SOA
Hi Guys... HAven't been on for a while... am now mangaing my debts reasonably well... apart from the natwest one.... next court date is OCt 10th!!! I have just redone my SOA and wondered if anyone can see any areas that I could improve on.... I am in credit at the end of the month (just...) but would love to be able to get…
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Can't sleep for worrying about debts - HELP!
I am new to the forum but have been on the website during my sleepless nights wondering where to go next. By reading previous debt-free wannabees I know that I need to list my Statement of Affairs - am petrified and embarrassed to actually type in the figures!:eek: I think I have had a moment! Like these wee icons - they…
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Advice on store/credit cards
OK, after getting into a bit too much debt I've been trying to sort myself out. I've managed to get mostly everything reduced to manageble payments. I have 2 cards, an Evans Store Card & an Evans Essentials Mastercard. Balance on the Mastercard is £493 & the Storecard is £290. Both cards are from GE Money. What I'd like to…
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21.9.07 what small dfw thing will you do or have you done today?
Good Morning fellow DFW Peeps and welcome old timers and newbies alike :hello: Welcome TGI Friday !!!!! :cool: When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym.…
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What have / will you spend today? Friday 21 September
Morning guys Hope you don't mind me starting off. Was up early with OH and packed my stuff for the weekend (we're going to our parents and he's driving up with our stuff after work, but I have a work do tonight so have to get an evil train). Today's a spender: £14 trainfare (I think. Has been a while. Only need a single)…
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Anyone not managed to pay anything off debt yet?
Hi all, thought I'd ask because I have not really made much of a dent in my debt yet although am still managing to keep my head above water. The reason, well my house is now up for sale but it needed considerable work doing to it before it was marketed, that cost money, hence not really shifting any debt. However if and…
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Unexpected OR interview and my bank being nice!
Was supposed to have my OR interview next week but they called today and asked me a few questions about my forms. I didn't have any of my paperwork with me or anything! Unfortunately I was good and mentioned the (few) shares I sold a few months ago, for which I'll get the money through payroll tomorrow - I have to give…
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How much?
£43,000 in debt, £24,000 redundancy. I have a new baby and was going to give up work anyway, before hearing of my redundancy I was going to petition for bankruptcy. I can now offer full and final settlements, how much do I offer, £18,000, £20,000, all of it? thank you
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consumer credit agreement problems
I have an account with a dca called groundwell debt recovery who are constantly at me to pay a £150 debt from when i joined a book club. A lady keeps phoning and i asked her for a copy of the cca and also sent them a letter. When i spoke to the lady she was very rude and said they didnt have one. From what i previously…
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My Challenge
Hello all, First time poster, my challenge is similar to many in that I have credit cards/loans/etc but I am self employed and have not put anything aside for my tax bill, in fact truth is the money has been spent half on crap and the other half on moving house. House move is now over, thankfully! My tax bill is £10k and…
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Diary Of A DFW.....LivingBeyond
Hi all, I have decided to start my own DFW diary. I started all this about a week ago, after finally admitting to having debts. Total debts mounted up to the following:- Credit Card 1 £3,499.42 Credit Card 2 £900.00 Credit Card 3 £534.00 Car Loan 1 £4,320.00 Car Loan 2 £5,187.00 Personal Loan £11,000.00 Personal Loan…
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Peace of mind required so I can sleep tonight!
My partner has had a DMP with Payplan for about 2 years. He tells me any correspondence he gets from his creditors is forwarded to Payplan to deal with. This evening his Mum called to say somebody had called at her house (my partners previous address) to collect an outstanding debt on behalf of Burtons. This we believe to…
