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Monday 18/02/08 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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Getting out of debt
I've been very careless since I turned 18, I was living well beyond my means and finally had my lightbulb moment this afternoon when one of the companies I owed money to phoned me up demanding £1,300 by Feb. 29th (I'll get more into that later) . I've been on benefits for the past three years due to suffering from clinical…
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How do I get out of this mess?
Okay, I have consistently overspent my whole life, I just want nice things and if I can't afford them, they go on my credit card. Wll I ave now reached the point where my cards are costing me most of my income to pay off, the bank are declining my current account cards and I have no access to any money at all. My partner…
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HSBC CCJ and bank charges dispute
Hi HSBC bank are taking legal action to recover £2200 i have calculated approx 1500 of this is made up of bank charges, which i understand wi will probably be able to claim back once oft case is completed.In the mean time I have been paying token payments to them until i have the money to pay back . What will the courts…
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Last ditch attempt to save my skin
Hi, I'm really hoping someone here can help me because I'm really confused!!! I'm a student, and a single parent. I ought to add I do get a wage (a student bursary) which means I look like I've got a reasonable income of about £14 000. I've slowly been running up debts, I think I've just lived over my means a little bit.…
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Newbie -help with my dmp and debts
Hi all, not really new to the site but new to posting, anyway just wanted some help with my dmp, about 6 months ago i arranged a dmp with payplan on debts of about 25k, i had to leave my job due to serious knee injury which caused me to become classed with 17% disablity and ad no income other than benefits. the knee pain…
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DFW newbie needing advice!
Hi, I possibly had a light-bulb moment before now but kept allowing myself to be blinded by the fear and that sick feeling in the pit of my stomach! So here's my SOA, Monthly incomings Net salary: £1,100 Flat-mates rent: £ 250 Total: £1,350 Monthly outgoings Mortgage: £539.80 (fixed rate until June 2009) Council tax: £191…
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in debt but wanna ask for payrise!?!
after some time now ive managed to save myself over £160 per month through peoples input here which im very thankful for, but now im in the dilema of my job. just recently some new people have been employed into the same position I hold within the company but on more hourly rate I am, and yet i have more experiance then…
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Hire Purchase AND CCA REQUEST
Hi Everyone, Just a quick question really. I have been reading alot in cca request's and can only make a bit of sense with it. My question is that i have a car on hire purchase with welcome finance and i doubt they have all the relevant documentation that is required under a cca but would this still be the same as…
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Kays debt DCC - not mine - help!
Hi, apologies if this isn't in the right place! Got a letter yesterday from debt collection agency Fredrickson International Ltd, saying they had been instructed by Phoenix Recoveries to collect the "seriously overdue" debt of £34 for "Kays". I have not had a Kays catalogue in 10 years, and have moved many times since…
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Help, please...my head is reeling!
Ok, so I had my lightbulb moment and in theory things should be great in a while once I get the ball rolling on this challenging my debt stuff....but for now, I'm in big trouble and I need advice. I'm on benefits, single mum, about to move house into Housing Executive accommodation (mind you this hasn't been confirmed…
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Ok Gonna do whatever it takes!!
Ok Well first of all im happy as ive cleared a Debt this week for my phone bill :beer: And also cleared the arreas on my credit cards Yey:j Right so im going on holiday to kavos in 11 weeks and my original plan was to stay there to work the summer but as i got my self into debt i scrapped all plans to stay over. But last…
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Boyfriend just had to pay >£1000 - help!!
Hi, apologies for cross postings but we're really stressed and need some advice... My BF has recieved a letter from his old bank, RBS, well, actually from some kind of debt collection agency from an old account he held 7 years ago (2001). he's paid them off in full in CC as we didn't know what else to do, but we're skint…
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Token payments, then possible bankruptcy
Can I just pay say £30 to £40 token payments towards my loans (monthly repayment is around £267, unsecured loan of £25K now down to £17.5K) for say 6 months until I get my act together? What sort of trouble will this get me into? Will HSBC be able to get a court order against me in that time? I hope to be able to sort…
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The First Step to freedom...
Sorry if the title is a little dramatic, but I can be prone to that.... Anyhow, I'll fill you in on the details as to why I'm in the present hole with money first, then have a look at the SOA. A few years ago I purchased a flat in a small town believing that it would be a good investment, and encouraged by family to make…
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trouble with cards and loans need some help please
hello everybody - I am new to this forum but have read through briefly and found some of the info very useful, I wonder if you might be able to help me be a better saver rather than in debt. my story - I currently have 2 cards and 2 loans I am paying them off but spending a lot of money doing this and failing to save. I…
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Searched my report without consent
I recently noticed that Capquest have twice run a search on my file without my consent. I didn't even know who they were & after calling them it relates to mistaken identity - I received a letter back in Nov asking me to confirm a previous address for whomever they were chasing a catalogue debt. After a long drawn out call…
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Unsecured Depts
Can some please advise me re unsecured depts credit cards, overdrafts ect.Can these dept managment companies send collectoers round to take goods from the house? The thing is the depts are my sons who does not live me I have told the dept managments companies this but they keep sending letters and people round? My son is…
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think i've fallen off the wagon a bit
Hi everyone, Well, I originally started posting in November, when i had my lightbulb moment and took lots of actions then and was really good for a month or so. However, since xmas I have fallen off the wagon a bit. I haven't made my debts worse, but have lost some momentum for sorting them out. :o I've not been very well,…
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Link Financial
Hello ~ newbie!!! DH on DMP with Payplan ~LOOOONg haul! Any one had any dealings with Link Financial? MBNA sold one debt to Link ~ all info passed on to Link via Payplan ~ not heard a dickie bird since ~ well over 10 days now. Cheers!!
