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Here go's
I was speaking to mate about a month ago and was bemoaning my debt. He tore me to shreds as he knows the money that I am making every week and how much I must be frittering away(we are both taxi drivers btw). Basically I owe Barclaycard £11000 ish and Tesco £2500 ish. All I was doing each month was paying the minimum…
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Can we have a NERD online gathering to see how we're getting on?
Hi everyone, just wondered if all the nerds could maybe update each other as to their DFW status, number and debt busting and still to do. Would also highlight the Nerd club for others that are as yet unaware and may like to join. http://forums.moneysavingexpert.com/showthread.html?t=357130 Sorry SS, be prepared to get…
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Snowballing and snowflaking
I guess us DFW's know about snowballing, and I have recently been introduced to the idea of snow flaking (i.e. you pay off snowflakes when you can). I have 36p in my purse and plan to keep it to make a payment on my credit card when I am next near a bank. Just wondered, what is the smallest amount you have ever snowflaked?…
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Egg
Hi Guys I was one of the recent thousands who received a letter from Egg stating that my account was closing in 35 days - no suprise as I have been over my limit a few times recently so fall into the high risk category. I have now (Friday) received my new card from Egg - most confused!!! Now I don't know why they have sent…
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Pap/Moozies What have/will you spend Monday 25th February?
Good morning one & all:D Hope you don't mind me starting the thread again, it's just lots to do & have been neglecting the site a bit, due to my new "get the house back up to scratch" & Bingo routine:rotfl: I am anticipating another NSD as I have zilch in my purse until Thursday:eek: alright for food etc & will walk…
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Dialaphone
Has anyone had any successes (or failures but hopefully not) in claiming cashback with Dialaphone?
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Daily chat thread 25th Feb
Morning all! How's everyone doing today! Happy (ha!) monday! I'm good. Got a bit of a cough but nothing too bad.. think it was from too much singstar on saturday night! :rotfl: :rotfl: :rotfl: Hope everyones well and ready for a new week :D
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I've done it
It's payday today which means i will be giving my last payment of £900 to my folks and be debt free :j When i first wrote on here about my debt due to gambling i never in a million years thought i could do it. So thanks to everyone on here for the courage and support you gave me, and continued to give me through the last…
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Monday25/02/08 What small dfw thing have you done today???
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. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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swapping morgage deals on DMP
I am worrying all the time about starting a DMP with CCCS it starts next month . Our fixed rate morgage its with intelligent finance ends in a years time so we will be put back onto there variable rate which will mean we will have to pay around £150 per month extra to what we are paying now . So in a years time it is going…
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Still waiting for CCA from Lowell (Barclaycard)
I had a letter back in January from Lowell trying to get me to pay a Barclaycard debt from 1991. I sent them a demand to send me a copy of the credit agreement and I had several letters acknowledging this saying they would get back in touch when Barclaycard had supplied them with the agreement. They acknowledged receipt of…
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Me, Myself, and My Big Fat Debt!
Hi all, i'm new to the forum so i'd like to say thanks to ya all for the advice i've been pinching from the forum and i thought it time i introduced myself. my name is leah, i'm 40 and self employed. Here is abit of background info: the last 4 years of my life sort of went like this... hold on to your hats.. 1) Meet nice…
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ok so today i start on the road to recovery
my names luke im 21 and have cash porblemsi work in a warehouse which pays pretty well i ill give a run down of my expenditure and debt: Debt: 1. cc £131 now closed £20 amonth 2.cc with 1337 with a limit of 1450. Just got this a few weeks back as i had a few expenditures to pay for such as a stag weekend suit etc 3. loan…
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Facing Up to our Debts - at last
Hi all This is my first post after reading all the invaluable advice and guidance on these forums for the last few weeks. Last week was our lightbulb moment - we have a huge mountain to climb but a situation which is improving and will improve further this year. I will post our currently grim SOA later (realistically…
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Thanks for all your replys!
I feel so much better knowing that you are all there! Thanks for the support - will try out your links and the bankruptcy board as advised. Wishing you all good luck!:j
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Heeeelp!! Lost a much needed tax rebate cheque
Can anyone help? I finally got a desperately longed for cheque from the Inland Revenue and it went missing from my handbag, presumably stolen on the way to the bank, along with several credit cards, which I have managed to cancel. Will they re-issue me a cheque? Has anyone been in this situation before? I was paying off my…
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Please help me! Panicking about bankrupcy
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DMP? help please.
Hi, I am posting this very bravely as I've gotten to the end of my rapidly fraying rope and don't know what else to do. My very basic SOA (im sorry i dont know interest rates etc) mortgage £479.12/mth- bal 75'000ish secured loan £464.85/mth- bal 44'000 ish loan £181.31/mth bal £8800 gas electric £160/mth (got in some…
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Managed Loans from HSBC
Has anyone any experience of managed loans? The bank suggested one to me but I'm not so keen as I know the interest is very high. Also would I be able to convert it back to an ordinary loan when I was ready to? Thats the impression I got from the bank but I'd like to be garunteed of this before I took one on. I'm just…
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Unusual situation IVA still possible?
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