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Sunday 24/02/08 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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Regrets - I have a Few
Hi I'm nearing my debt free day:j but I can't help looking back and thinking about things I wasted money on that would have brought my debt free day closer. 1) A mountain of books I havn't read yet:o 2) Clothes I havn't worn:o 3) Mag subs - mostly work mags:o 4) Expensive whitening toothpaste (doesn't work) 5) Driving…
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More Help needed urgently
Hi, I posted a few days ago about a work situation I had gotten myself into. I currently work 3 days a week and love the job but not the travelling, 3 hrs a day on public transport. I got offered a new job same company, same money, however less hours 2.5 days a week. But no travelling, well only into the town centre about…
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In total awe!!
Have finally found a few minutes to sit and browse some posts and replies ~ am in total shock and awe of you lot! How do you do this? Some of you have knocked off over 20K of debt in less than a year! Thats more than I earn! WOW!!:huh: Please bear with us (mummymoo and I) if some of the questions we ask are daft ~ we are…
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How far do you go?
Hello all. As the title says, how far with regard to what do you do to raise funds to pay off your debts. Since I found myself in the present situation, I've had a lot of advice from a lot of folk but some contradicts others. Some say sell as much as you can, others say don't as it helps mentally. I want to get my cc's…
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advice needed
Hi all i desperatley need some advice to be honest compared with a lot of people my debt is not that high but most of mine is rent arrears its a very long story how it all came about but short version is i am single working mum of 2 had to go into homless families property rent there was 130 each week had lots of other…
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What would be the best starting point?
Hello, I just wondered if anyone has any ideas. I owe around £9000 in total I think. An overdraft, credit card and personal loan with my bank and some money I'm repaying to HMRC (tax credits mix up as usual!). I don't owe enough to get an IVA and the bank would offer what they call a managed loan and lump all the money…
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statement of affairs need help
Ok folks, I've been here a couple of years now and I tell all people who want help to do an SOA but things have got decidedly worse. Here is a SOA any tips?? I can't work at present ( mental / physical problems ) and my wife can't get a second job because she has to help me... been through CCCS and payplan and both can't…
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Back on wagon and needing support!
Please bear with me but my story is a little long winded. But I wanted to give some background into my current situation and need for help and support! I joined this site in 2006 and had my lightbulb moment in August 2006. At that time my OH and I had combined debt of around £22000. We worked at paying some of it off but…
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Am RAGING at Barclaycard
:mad: I moved a balance I think at the end of January. I set up a direct debit with the nice young chap on the phone (Johnny from Bangalore I think he said:rolleyes: ). Anyway, everything was fine until this morning when I got my very first statement from Barclaycard. It said I had a new transaction of £12 (which I…
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help needed with limitations act
can anybody help me,i have been married to my wife for seven years and together for a total of nine.about 17 years ago she was previously married and owned a home.The house was handed back to the halifax and no mortgage was paid since january 1991,The building society could not sell the house as it had been underpinned and…
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If I Didn't Pay My Debt What Is The Worst That Could Happen?
My SOA is below, As you can see we don't own a home, The only thing of value is a car which isn't ours I.E it belong to my other halfs brother as we couldn't get credit he put it through in his name. We have nothing of any real value in our house. Our credit rating is already in tatters and we have sort of came to realise…
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Thames credit / Aktiv Capital ?? Debt Letter for debt not owed?!! HELP!!
I have just received a letter addressed to my sister, but delivered to my house (not even sent to my correct address, but to a house down the road from me with her name on it) from 'Thames Credit Limited' in Bromley, Kent, acting on behalf of Aktiv Capital. They say they have bought a debt from HSBC bank that my sister…
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moozies/paps weekly spends challenge ~ w/c 24th feb 08
Welcome all... I hope you have had a great week and kept it low... and are you ready to be turned red/green? Everyone can join, just post a target in keeping with you/your debts/your spends, don’t worry about everyone else’s budgets. Then each day post on the daily spends thread and add them all up ready to post the…
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missing cheque!
Hi! Newbie to forum on DMP with Payplan total debts roughly £45,000. MBNA have sold a debt to Link but after I complained about MBNA to their complaints department (refusing to put settlement offers in writing, snotty phone calls, unrealisitic deadlines etc) they agreed that all interest and charges should have been…
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how long for a new account ?
i am trying to set up a bank account before i start my DMP i applied online nearly 3 weeks ago i got a letter asking me to go to a local branch to sign (this is for a current account )i know i could open a basic account but i really would like a current account whilst i can before my credit rating goes bad .I wondered in…
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Full and Final Settlements
Hi guys Really wanting to get debt free this year and was wondering what criteria banks consider reduced !!!!!! from customers? I am on a debt management plan with CCCS. Is there a template letter to send to a bank to request a !!!!!! figure or can I write to them and propose one? Thanks,
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DFW Holiday this year? If so how you managing to do it?
Hi all, I wondered if any of you are planning any breaks, weekends or hoidays this year and how are you going to do it, DFW styley of course :D . I'm looking for some hints and tips as I would really like to get away but with *ahem* £43,000 worth of debt, I need a cunning but ingenious plan.;) I am saving tesco points for…
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rainbowbrite needs help re cc debts
Hi there,I posted yesterday or the day before but cant find the thread I started,not showing up on my user cp so I had to start another here. I will do a little bit of the post at a time and edit as I have lost a few posts before I posted them today.Computer logged me out.
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Some advice please
Hi there, Please go easy with me. :A And direct me if I am asking already answered questions. I am single, 3 children, reasonable income from working full-time. I am in the process of changing my mortgage as the 4.69% fixed rate ends in March (have managed get 4.88%) :T I have decided this is a good time to review my…
