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My Mum's a legend
Well I haven't posted for a while, and i should probably update my signature at some point too. But I'm getting on top of things, I've got a clear finish date for my debts, as things stand right now, and a payrise on the way that I haven't factored into my payment plan yet (i won't until i actually see it in my payslip as…
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something to share, i`m on my way at last
Hello fellow DFW ers well i did fall off the wagon this year with a bump,but today i want to share some good news with you all. I have paid off my Capital one card hooray :) Also i`ve been very good and only used my debit card for purchases,i only spend what i need to and so managing to keep the impulse spending at bay for…
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Can anyone help ???
perfectly poor's SOA sorry not sure how to add a link but wondered if anyone can help
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Help with my H2B!
Hi All! God it's been a while since I posted an SOA...:rolleyes: Basically, for those of you who know me, and even those who dont... I'm getting married, in March, to a lovely guy who I used to go to primary school with, all a bit of a whirlwind! :j Now he's got debts.... more than me.... and basically I'd like these as…
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united utilities trust fund
hi not sure if this is the right place to post my friend has been using this site that was given to her by some one else apparently the small grants offered can be applied for by any one with debts within united ultilities and also gas and electrick there is a criteria an referee's are needed but apparently it not that…
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What do i do when they won't acknowledge my letters?
Hi Has anyone else experienced problems with MBNA!! I have written to them twice telling them that i have set up a DMP with CCCS and they just won't acknowledge the fact. CCCS have sent them my proposal twice and they deny receiving anything from them. I have had the same phone conversation four times with them. They keep…
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MrsHarkets get out of debt diary
I have been posting here for ages. Merrily thinking I am money saving. I do in some fields. None of the kids christmas pressies are full price, I do cash back etc etc... But I don;t always watch exactly what I spend. As you can see in my sig. This is my SOM. I am quite embarressed as my DH pays the bills & I have quite a…
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Worried of Prescot
A few years ago I managed to get myself into quite a debt using various credit cards to help clear my previous credit card debts, in total £20,000 but over the past 16 months and with the help of Pay Plan a debt management co my debts are now £13,500. The 4 banks have been helpful up to now but Halifax Credit Card has now…
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Worried of Prescot
A few years ago I managed to get myself into quite a debt using various credit cards to help clear my previous credit card debts, in total £20,000 but over the past 16 months and with the help of Pay Plan a debt management co my debts are now £13,500. The 4 banks have been helpful up to now but Halifax Credit Card has now…
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New and Prepared to face...?
Hi, Am totally new to this forum but glad of it - have read a few posts. I've spoken to the National Debt Helpline and got their sample letters and budget sheets - worked out what I can give each month to credit cards/loans/catalogues (thankfully all non-priority debts) and should be ready to write to them hoping they'll…
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How much money to bank in change?
does any body know how much change i can take in to the nationwide (my bank) I have lots of 2pounds Coppers I ave no money bags to look and find out i also dont know how many bags a day it is, i also dont want to be going to one of those machines where u put all coppers in and they charge you
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Debt Management Associates (DMA)
Hi, my friend is with DMA, she's been with them for 2 years paying every month. She was previously with LLoyds bank and received a letter from them demanding payment or else bailiffs would be sent round - she has tried to contact DMA only to find that they have gone bust. Does anyone know when this happened and what steps…
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Trust Deed - Help Please?
Hi All, I’m currently in a Trust Deed and a bit concerned. I’ve been in the TD for just over two years and moved a few times within that period (renting) but always informed the TD of my change in address, However in the two years have only had one request from them for a current status report and recently e-mailed them…
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Sottish Law on debt
Hi guys! My first ever post on this site and looking at all the fab info you guys throw around here I thought I would post my problem.... I couple of weeks ago I got contacted by a debt recovery company and they told me that I was due £5000 on a credit card I took out in 1998. I said to them there must be a mistake as I…
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SKY v Virgin Media
Right - my husband and I have decided that actually for us this is a DFW as we both love sport watch every major event but usually at our local, therefore we would save money by watching it at home. Our budget is £55 a month, This is to be paid for from our BT budget and 10 a week from our going out budget, there for it…
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MSE TV Programmes
I like watching these types of programmes and just wondered if anyone knew when any were on. I have just finished watching all my Beat the Bailiffs on Sky+. Kind of thing I am interested in are:- Debt programmes like the one I mentioned above Anything with Martin Lewis in it :p Property programmes (Property Ladder/Grand…
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I have just saved myself £1,700
:eek: I just cancelled my gym membership, my cleaner (!) and my union membership, and worked out that it will save me more than £1,700 per year. Insane. I finally feel in control and can start paying back these debts! :j I will also be partaking in the December Grocery challenge if there is such a thing...
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Close Credit Card or keep it?
I have just taken out a loan to consolidate both my credit cards, I can repay the loan faster and much more cheaply than if the debt remained on the cards. What should I do with the two old credit cards which now how a zero balance? Close one and keep the other with the best rate? Close them both and not get into debt with…
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When does a debt...
die?? My partner had a debt from t-mobile from 5yrs ago and he totaly forgot about it and today after 5yrs have contacted him via letter. They have made the mistake as they asked him if he wanted to upgrade and change number so he said yes...but instead of them sending him a upgrade they gave him another fone. So he had 2…
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Please help me get on the road to a Debt Free life
Right I have finally bitten the bullet and after lurking on and off for a while, I need your help. It has taken a lot for me to do this so please be gentle with me. Bit of background - my parents have twice bailed me out of debt to the value of £25,000(I have paid back £5,000 before falling pregnant). I still owe them the…
