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Experian and Equifax reports
Hi all, I've recently taken the plunge to obtain my credit file from Experian and Equifax. My background is that I obtained 2 CCJ's back in 2001 when my business fell apart. One for Accountancy Fees and one for non payment of Council Tax (business fell apart and I had a breakdown followed by a period of 'head in the sand'…
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Deceptive and/or unfair methods
I have been seeing a number of recent postings where debt collection agencies are chasing debts and then asking for proof of details of who you say you are - well under the Debt Collection Guidelines as set down by the OFT DCA's can not request this information Deceptive and/or unfair methods 2.7 Dealings with debtors are…
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Just feeling the need to say this out loud
No major words of wisdom here, but just felt the need to say this .... Everyday I read the posts on here and sometimes contribute and I am truly inspired. Since joining you guys (Only at the beginning of this year), I'm finally starting to understand myself and my relationship with and towards money ... and it's major…
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Intrum Justitia - Missing Payments
Morning guys, Just putting this up incase ayone else has had this.... I have one final payment to make to these re my old bank of Ireland Credit card. When I got home last night there was a letter to ring them and I noticed the balance showning on the letter was incorrect and showing I owed over £500.00 and not the £100.00…
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Help,Advice Nedded :(
Hello All, Im in abit of a pickle! Although it might not seem as though i owe alot of money, its really beginning to take its toll on me and i feel as though im in a never ending vicious circle. December 2007 i had a £400 overdraft on my Barclays current account, owed £350 to Mint creditcard, £600 to Capital One and £700…
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Martin on Radio 1 today at 12pm (lunchtime)
Hello everybody peeps! Martin's on Radio 1 today - Jo Whiley show some time after 12pm. If you miss it you can go to Jo Whiley's homepage, click on listen again and you can listen to the show for up to 1 week after it has aired! I know all of DFW's know all the secrets / tips, but it's always fun to listen to Martin!…
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Ooops!
Buchanan Clarke and wells just called asking for me to pay a talktalk bill I supposedly owe...like always I told them I wont be paying a penny until carphone warehouse supply me with a breakdown of these costs (I dont believe I owe it) which, after about a month of promises to send one out and failing to do so, I suspect…
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Paperwork...
Probably not the best place to ask this - mods feel free to move!! I have always been rubbish with keeping bills/paperwork etc. Mainly because i dont really have anywhere to keep it all. What do you all do to keep yours in order? Do you have a filing cabinet etc.? Sorry if it sounds dumb, i just really need to start…
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Ooops!
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shall I pay again
I agreed a full and final settlement with egg for 2 debts. I paid with a debit card over the phone. I have been checking my bank and they have only taken 1 payment for 1 debt. I have phoned the bank and the other payment hasn't been requested. I have the available funds. I'm not sure what to do. Should I ring egg and pay…
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Daily Chat Thread 5th Feb
Morning all. How's everyone doing today? We're ok but Ste's dad is having a triple heart bypass today so everyones on tenterhooks waiting for new. He's 2nd on the list apparently so not sure what time he'll be going in. Other than that another boring tuesday...
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Pap & Moozies what have/will you spend Tues 5th February???
Goooooooooooood Morning:D I was pleased to get away with a NSD yesterday in the end as cos i drove to the gym my friend bought the drinks . Today should also be a nsd as well. Keep it low and have a wonderful day:D
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Tuesday 5/02/08 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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Husbands debt discovered....need advice please!
Just to recap, yesterday a letter came for my new husband at our house (first together) from a DCA relating to a CC debt of over £11,000 from at least 4 years ago at an address he shared with his Ex Wife. It was a massive shock as I did not realise he was in any sort of financial trouble but last night I confronted him and…
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i'm new and need to offload in cyber space
i dont know if anyone will read this but i just cant sleep cos i've basically had enough of my never ending financial problems, i work in Accounts, i'm sick of re-doing spreadsheets showing my own incomings and outgoings, i am living in rented accommodation that i so cant afford with my 16yr old son, who isnt in full-time…
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whats wrong with me?
i know i probably shouldn't post this here but this is where i'm most comfortable. as some of you know i suffer with depression, its never completely gone away but lately its got sooo much worse again. the last time i felt this bad was when i was in uni and i did something stupid then. i think part of the reason its got…
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Newbie Debtfree wannabe
this is my light bulb day. I have been trying to sort my debt but the bulb I was burning was a low energy 5watt job, which was no help at all. But after to much delay I am fed up with my debt and have decided to change the 5watt buld for a 1000watt flood light!! I am very pleased to have found this site, there is so much…
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Facing Up To It
Hi, I have been reading the forum for a month or so now after having niggling feelings that I need to get our debt sorted & take control of our spending. I have posted on the Bankrupcy forum, but i'm now hoping this will be a more appropriate place for me to post as I am more positive about the possibilities of being able…
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Here goes..
Even though I've been reading these boards for ages and have managed to save money, cut back etc, I know improvements can be made. I'm not paying off as much debt as I would like so time to post my SOA and get back on track. Last year I started a DIY DMP. Most of it has been accepted, the companies that didn't passed me…
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Full & Final settlement - what percentage?
We would like to offer a 'full & final ' settlement payment to our creditors, both personal loans and credit cards, all unsecured. We are able to borrow money from a relative which would enable us to pay back 50% of all debts owed. We have the pro-format letter but are not sure what percentage would be likely to be…
