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Is it wise to email CCA requests as well as send in the post
I am grateful for all the advice on CCA requests from DCA's but thought i might email them as well. I have DCA Newman on my mums case and First Credit management. The constant harrassing by phone and letters is driving us insane. No monies have been paid to these companies only to the original Creditors. DCA Newman have…
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Pap & Moozies what have/will you spend Sunday 3rd February???
Goooooooooooood Morning everyone Didn't get away with the NSD i was hoping for yesterday as I had to pay for car parking at the tennis match . Besides going to the gym I am in all day so a NSD today:D keep it low everyone and have a great day
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What should I pay off?
Hello you lovely people, How is everyone this Saturday? As you can tell I'm having a wild night here on the sofa, working out my budget! :o Just thought I would make a thread as I'm getting myself rather confused about what's best for me to pay off next. I currently have £296.73 in my savings acc which I can use to pay off…
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Cabot Financial
Hi My sister has been getting calls from Cabot Financial for months, they call all times of day and night saying that she owes something like £1000 (I cant remember the actual amount) and every time they call she asks them what the money was for (as she cant remember owing £1000 for anything) and they keep saying that they…
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tight budget
hi all, im on a very tight budget right now. ive been managing to live on £50-£60 p/w shopping for 2 adults and 3 small children, and we are having to pay £300 a month to clear mortgage arrears until june. every penny is accounted for and spent, but im just upset and concerned that i dont have anything in my budget to buy…
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need help with mackenzie hall
my father had a letter in october 2007 asking for roughly £1200 for a debt that the company think is a credit card over 6yrs ago my dad has never had a credit card,i have wrote to them asking for a copy of the credit agreement for this alleged debt but heard nothing,now they are ringing saying they will take him to court…
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KellsBells and buckets of cash - debt free diary
Hi all, I've finally decided after a year of umming and ahhing that I will am going to start my debt free diary. I have come to the conclusion that a dfd will help me keep on track, and if any of my experiences help someone else, then it has been well worth it in the long run. So, where to start? Why not at the…
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Secrets to achieving Debt Free-ness?
I struggle to do everything all of the time. Mainly because there's often so money phone calls, so many letters to write, so many letters to file etc... And I don't live anywhere, mainly different B&Bs 6 nights a week & with my parents or friends for the other! What's the secret of success? How do you motivate yourself? A…
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Goldfish issue default after 2yrs in DMP?
My husband and I are in a DMP managed by CCCS (God bless them) which started 2 yrs ago. We managed to increase our monthly payment for distribution amongst multiple creditors from £105 per month in 2006 to £418 in 2007. Everything has been going fine until a letter arrived from Goldfish for my husband yesterday with a…
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Are creditors starting to get a bit anxious?
With this credit problem at the moment. I received two calls from creditors over the last few days chasing payments which were only 1 day late, one of the amounts owed was on a card owing £600 with a £3000 credit limit! Seemed to be aggressive in tone too, wonder if we'll see an increase in things like ccjs with creditors…
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Split with OH tonight
Hi I know some of you will know I have been having trouble with OH, well I ended it tonight. I know it's the right thing for me, I know and feel this deep down. But I feel terrible because I have hurt him. He has no idea what he has done wrong even though I have explained how I am feeling endless times. Why is it you can…
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debt management and mobile phone bills
hi, i am currently paying a small amount to my creditors as i am in financial trouble, up until now i have been paying my mobile telephone with orange as i need it for work, i dont think i can carry on with this now, i still have 7 months on the contract, what can they do if they dont agree to reduce the tariff, and i dont…
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My SOA... so many outgoings
Hi folks, I've got a moderate debt which I am desperate to get rid of once and for all. I'm good with money and spreadsheets - I always know how much I've spent, how much I've got and how much I'll have next month, but I always seem to overspend, or underbudget, same thing really. There just seem to be so many bills in…
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My SOA - your thought please
Hi all I'm not actually in debt, this post is more of a preventative measure really. I am due back in work in a few weeks after having a baby, and next week my husband finishes work to look after our son. I have completed Martins budget planner to ensure we can afford this and found we are just under £400 a month short. My…
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SOA's - please be honest!
Does anyone else have trouble working it out !! I am having a complete nightmare!!!! I have been trying to work mine out for about 2 weeks now -and I dont feel that I am that much closer to getting there !! I have been REALLY rubbish with my money up until now - in that I have just gone and bought petrol/food etc when I…
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Saturday Night Mud Wrestling Party
Woo ooo :beer:, at the request of Tig and Penguin tonights theme will be of a mud wrestling kind. Bring a bottle, plenty of soap to wash yourself later and cameras to take photos because we'll wanna see the photos. I'm drinking some bizarre Belgian Trapist Monk beer that I got for Christmas. Leave your keys with Tig the…
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Creditors/DCA's offering reduced settlement figure?
Hello! I keep getting letters through from my creditors and/or DCA's offering quite a substantial discount on my balances if I clear them within so many days. For instance, Lloyds have written to me this morning to tell me they will offer a reduced settlement figure if I call within 72 hours to make a payment in full to…
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Banking Industry
Anyone like to put their views over on my thread,lets have your views.. http://forums.moneysavingexpert.com/showthread.html?t=713033
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Mylostaccount
Hi Guys, don't know if this website is of any use to any of you, but its been set up for people to chase up old dormant bank accounts before the government takes the money. It's completely free of charge and they do all the legwork for you. I don't think I've got any dormant accounts but you never know. Just google it and…
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KiwiEssexGirl ne debtfree diary
Well I actually had the lightbulb moment in December 2007 but by that time I was so poor I couldn't do much about it in January - damn getting paid before Christmas and then having to wait 6 weeks! So the debt situation has got a bit worse. About to do a new snowball based on the new limits. I live with my OH but have…
