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Someone please help!
Hi, I am new to the forum but am really desperate. We are broke, I have worked out our budget and we need to find an extra £300 per month just to cover our bills and shopping. We have £100 to pay to a credit card each month and an overdraft of £6,000! We have two small children and I am pregnant due in May which means I…
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Daily clicks?
I'm confused again people! What are "daily clicks"?!?!?!
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Weightmans Llp
Hi I requested my CCA from Weightmans on 27.9.07 and never received it. Last month they sent me a copy of my application form for a HFC credit card dated 1995, and yesterday I received a letter from them and court papers saying that they are taking me to court to reclaim the debt. Can they do this? Is an application form a…
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Urgent help needed on debts of over £34,000
Hi, I really need some advice as I'm stuck in a dead end and don't know what to do. I have spoken to a number of government run debt charities (CCCS, debtfreedirect, national debt helpline etc) and still feel confused.:confused: I have a number of large unsecured debts totalling £34,600 (and rising). Currently I have:…
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what is a charging order????
Hi I am looking for some advice from all you lovely dfw. I have just had a blazing argument with a very jumped up man fron Nat West and am now really worried. We have been on a DMP for just over a year with cccs. All is going great apart from Nat West. They are our biggest creditor, with us oweing £18, 537. They offered us…
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HFC Bank
Hi all, Im new to the site so i hope i have posted in the right place. Its a very long story but here goes..... In 2001 i was approched by HFC Bank to consolidate some creidt i had has for a PC and a washing machine. Anyway when they called they asked me to go the their office and talk about it etc. Well now 7 years later…
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Letter to stop DCA phone calls
Hi we had a call from MCS (Metropolitan Collection Agency) about 2.30 this afternoon (yes they work Sundays!!) and would like to know how to word a letter to them requesting communication by letter only. We have been paying back a HSBC CC for about 4 years and have never missed a payment (through the CAB) but,…
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Student Loan
Hi All, Am i an Ostrictch? I have a student loan from University, i ended up completing my degree and then doing another course following on from that which again I had a student loan for. I DONT currently count this as a debt. Should i? The main reason for not counting it is that the money leaves my wages before it goes…
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Worried About Fiancee's Debt?
I have been living with my better half for about 10 years so she may as well be my wife but I'm a bit worried about her debt. At present I pay for food,electricty,phone,oil heating,sky,TV lisence, and her debts which amount to about £6-7k infact I pay for almost everything. She pays for her half of the rent and items for…
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Need to decide in one hour. Please help
Sorry I posted all this a while ago today. Just reposted it cos just need perspective from somebody else before I call the bank to do the transfers in an hour. In the next post i will paste the original post which has my list of debts. Sorry sorry sorry for behaving like this. I hope you understand. The truth is there are…
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Black Horse & Close Assistance
Once upon a time I built up 2 or 3 months of arrears on a Black Horse (BH) loan. I then started paying normally every month. In January my DD was refused, so i paid it manually. A few days late at most. Close Assistance (CA) are now chasing for the full arrears amount plus charges. I have no idea what the full arrears are…
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Daily Chat Thread:Sunday 17th Feb
;) Happy Sunday Everyone! Gorgeous sunny day here in the North West Midlands, however I have not ventured out the door because I am suffering from a bad case of man flu...;) What's everyone else been up to? Bunny x x x
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A Bit Of Advice
Hi all just would like a few pointers on what to do next,as the debts i've got are becomming out of control.i've got a £18,000 loan,£6000 on a credit card and a £95,000 morgage take home 1600 a month morgage 700 inc insurances c/tax 102 gas 43 elec 36 tv 12 acc ins 11 pension 20 sky 22 pet ins 25 house ins 30 telephone 40…
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Just wanted to say Hi to everyone
Hi Everyone I have been lurking around on this site for a very long time. I have read many posts but me and my husband have decided this year to actually do something about our debts. So far I have done the following: 1. Changed my credit cards onto low interest rates. 2. Phoned Virgin as I have broadband, phone and tv (no…
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Just wanted to say Hi to everone
Hi Everyone I have lurking around on this site for a long time. I have changed my credit cards onto low interest rates. Sorted out my loan to a lower rate and also reduce the terms. I have also got a better deal with my phone and broadband but for some reason I'm not as confident doing something about my gas and electric.…
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my SOA.
can anyone see where i can make some adjustments please? Take home pay £300 p/w Child Benefit £120 p/m Working tax credit £13 p/w Child tax credit £69 p/w total income £412 p/w or £1785 p/m Most common outgoings Rent/Mortgage £410 p/m Secured loan/2nd mortgage £191 p/m secured loan £119 p/m debt management plan £126 p/m…
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I was just reading this and thought i should share
:Dhttp://forums.moneysavingexpert.com/showthread.html?t=741653 The link is entitled having fun with debitas!!!! I laughed so much, and there are some great ideas on here for those who are pestered by annoying phone calls from call centres etc. Enjoy
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Sunday 17/02/08 What small dfw thing hve 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,…
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PaP/Moozie's What will/have you spent today Sunday 17th February thread
Morning all:hello: Should be a NSD here:rolleyes: Hope you all have a fantastic and peaceful Sunday, and enjoy the roast .
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Just a quick question . . .
Hi all, Those of you that "know" me will know I'm on a CCCS DMP, it's early days, and it seems to be going ok so far, apart from one creditor (GE Money) who I owe the least to, but are like a dog with a bone at me. They call me at least twice a day, but never leave messages if I don't answer, despite me writing a letter…
