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DMP & loss of earnings
Where do we stand if we suddenly cannot afford our DMP anymore??? It seems one thing after another with us. 1st we admitted we had problems repaying debts over 3mths ago, but payplan couldn't act for us as we hadn't started paying a nothing for 12mths agreement, so had to make 3 payments to that. Finally got that out of…
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early repayment figure
hi to cut a long story short last year i got into a mess financially, which resulted in my tesco loan being defaulted on and passed to the credit management dept of RBS. i agreed to pay £50p/m towards the remaining £2500, but had been paying £100p/m to clear it quicker. today i received a BT offer from MBNA of 0% until Feb…
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A Year of Living Without Buying
I've just found this blog http://lightandslow.blogspot.com/ it looks like it could be really interesting so thought I'd post it for anyone else who might be interested too
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credit agreement
Some time ago I posted a query asking what I should do about Thames credit buying my debt to Sainsbury's bank. Lots of great advice which I followed way back in the Autumn. Just got back from a hospital appointment feeling rough and waiting for me was a letter from thames credit enclosing my credit agreement from May 2003…
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Help: Mortgage, Loan, husband just left, 6mths pregnant!
Hi everyone I'm new to this and I've decided to write on here for some advice/help on my absoutely dire situation: In a nutshell, my husband left me this week, I'm almost 6 months pregnant with our 1st child, we bought our house in Sep 07 (4mths ago) and we've got a secured loan on the house. The problem lies here, the…
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Advice re over my od limit/credit score impact?
I moved my account recently to A&L & it took me ages to discover why I always seemed broke with new account. My direct debits were previously set up to be staggered throughout the month, as I receive regular weekly payments. However new account has them all coming off at once & I spend the rest of the month playing catch…
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Secret debt can anyone help?
Hi if I disappear it is coz my son is crying... again... anyway! I have a loan for 15k 7% and a credit card 3k 0% and I am self employed. I have been through my soa with the cccs as work has all but dried up recently. I am attempting new projects but things like these take a while to set up so it will be a year or so…
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Will my credit rating affect partner?
Hi All I wondered if anybody had any ideas or experience of this? Im on a DMP and have 3 defaults registered against me. My partner has asked me to take out a mortgage with her. they have perfect credit ratings. If we do manage to get a mortage together, what would the effects be on her credit rating? (i dont want to trash…
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Pap/Moozies what have/will you spend friday 1st February??
Good Morning fellow DFWs :) Ive had a look for this thread and couldnt find it, so sorry if ive been blind and missed it :o Weather here today is really weird, had sleet, rain and now insanely windy :eek: Bring on the weekend anway :T Really looking forward to a couple of days off :) I am aiming for an NSD today. I have…
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Template letter for court
Hi, I need to draft a letter to the court who have judged that I should pay NR the 5k I owe them immediately. I appreciate there is a form you can fill in but I think I'd have to pay for that. I rang the court and this nice woman said to send a letter in and to ring and ensure they'd received it. I just want to let them…
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Advice Needed Plse!!!
Will try and make this as easy as possible... I've just recently split from my partner of 11yrs which has brough numerous money problems.. I'm still living in the family home with our 2 kids i have several concerns about debt what i'm going to have trouble clearing..... Unfortunatley i have lost my well paid full time job…
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Making Progress - My Diary....
Well it is 2 weeks since I first logged on here.... And although I havent exactly made myself known, I have been doing a lot of reading and plotting and scheming as to how to reduce and eliminate our accumulated Debt. We were in the (??)fortunate position that when my dh came clean about the problems we had (I was…
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Westcot Debt Collectors
HELP! I'm posting on behalf of my brother. He had a debt with 3G (for around £300+) and it got passed onto Westcot in the end of December. I believe he made a token payment to Westcot on 31st December and they told him they would phone him on 31st January for a further payment - which he agreed to They phoned him yesterday…
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Daily Chat 1st Feb - wooo it's friday!
Happy Friday! Wooooooo! Anyone doing anything nice today? Cold and sunny here today.. no snow yet!
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Moneymaker 2 ... how did it go?
Hi How did the job interview go on Wednesday? Was it OK? Do let us know!
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Offers of payment through Payplan
Hi all, can anyone tell me of their experiences with creditors who will not accept an offer of payment through Payplan? My first payment(s) is due out now and just wondering what sort of response I'm likely to get and what happens if they won't play ball? Feel better anyway just for getting finances in order and my neck…
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Friday 1/02/08 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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My new pay a debt off before June 16th challange
I've decided to set myself a challange to pay off a debt of £1353.03 before June 16th. I am going to do a daily diary to keep myself motivated and keep on top of things. At the moment after all my bills and essential outgoings leave I have £160 spare per month. My aim is to be as frugal as I can with this and on the 23rd…
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Credit File....
Hi... Wondered if someone could offer their expertise! I have a debt of approx 10k. 5k of which is interest Free!!!! the other 5k is with egg at 7.88% i would so love to lower this 7.88% as i am obsessed with fighting the credit industry at the mo. The problem i have is that i have had about 3 credit searches in last month…
