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Wages mess up!!! Any advice?
Hi, I'm new to this site so I hope I am not posting in the wrong area. I have recently changed bank accounts because my old account was over it's overdraft limit by £500. I am presently setting up a DMP to pay this. I rang my wages office and said I wanted to change the acount into which my wages are paid. TBH i left it a…
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Improved Virgin 0% offer
Having read thru some posts I realised that my od was in fact a DEBT that I was choosing to ignore rather than deal with. Have managed to clear all credit cards but knew still some time on Virgin 0% so thought I will clear od with that - rang to check how long offered had left (july 08). Without asking, they offered me…
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I'm giving it a go please help.
I have been around here for a while and already live the dfw lifestyle but i have never put my situation to anyone before. We have been in a lot worse state than this and are finally coming out of it. but with one child going to secondary school in sept and one just started primary in Jan. I seem to be finding it more and…
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Really need some help!
Hi all, I have finally received our statement from Welcome Finance. I have gone through it with a fine tooth comb, and this is how is breaks down. Loan for £1500.00 Starting balance on the 15/08/06 £2155.75 (this must be higher due to PPI) Payments from then until 31/03.08 £1292.79 Interest added up until 20/12/07 £1393.17…
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HELP - please???!
I am in such a muddle and don't know what to do. Am new to this site and forum and have read some of the threads/posts which are all helpful and give good advice. Please bear with me while I try and give a "brief" version of the story so far!! :rolleyes: Have debts of £28,500. I work full time, am single and live in…
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relatives bad debt-can we buy house at reduced rate and let them live rent free?
Hi, I have a close relative who is in money trouble. They have in past had ccjs, got themselves sorted out got a mortgage and a house and they have kep on top of it all for about 10 years. They always live hand to mouth really and every penny counts which is why when one of them was unfairly dismissed (went to tribunal…
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Hello!
Another newbie here:hello: I'm single mum of 3 children (2 dependent), work part- time and have done since my youngest was 4. Hoping either to get more hours in present job or find another part time job to reach full time hours. Daughters are 16 and almost 14 so feel now I can commit to full time work. Approx £16,000 in…
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What DFW things are you going to do today!
I love these threads as i think they have good hints and tips for others and lets face it i can do with all the help i can get. So what are you going to do today? I'm going to list a few bits on ebay and take back some euros which i found sitting in a drawer. I've got 40 euros not sure how much i will get back?:confused:
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Tuesday 22/04/08 What small dfw things 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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Pap/Moozies what have/will you spend Tuesday 22nd April??
Morning all :j Another day of the week soon to be over. Hope you are all well and looking forward to today? Remember if you have to spend please try and keep it low :D Today will be a nsd for me, I have a standard day off from today and still not well, plus I have woken up with tooth ache right where my wisdoms should be…
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Daily Chat Dfw 22/4
Morning, thought i would start one off today. I am setting off for work soon, i will catch up with you all later peeps. Have a great day everyone. Love and hugs SmashedBB xxxxxxxxxxxxx
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er.. Help!
I took out 8 credit cards 6 years ago, however I lied on the applications and made out that I was in a fairly paid job, I was on incapacity benefit for depression at the time. I didn't use the cards for about a year, but then I started using them online, getting sucked into various programmes, scams, and gambling sites and…
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What Info Does CCCS Need?
My boyfriend has about £28k of debt and, this time(!!), we are going to get it sorted.. I've got the day off on Fri 2nd May and he's working just the morning so we've decided this is the day we will phone CCCS. We are going to make payments to his creditors on 30th April as usual and get all the current figures from them…
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Bingo websites - Don't touch with a bargpole!
I am so sick of trying my hardest to steer clear of this sites, where one day, you win like...£50, the next, you've lost the lot (and more!!) I have finally taken the step of closing my account (again...I'm ashamed to say!), and have no longer got the 'power' hanging over me, which makes me feel like I can't stop myself…
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HELP im new
hi everyone,erm basically im new on here. i am just after some advice i have just signed up with all clear finance on a debt managment program but not sure if i have done the right thing now. i owe about £4900.
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Hsbc Debt!! Help?!?!?!?
Hi , I'm having trouble with the central debt recovery unit. What happened was . . . . i got sick of bank charges with HSBC so set up a halifax account but like an idiot didnt officially close the HSBC account i just left it as it was and didnt think there'd be any problem with it.However i had forgotten to cancel a couple…
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what do i write in letter when sending token payments to creditors
i have been to see CAB about my debts today mostly catalogues and two visa cards ...which paying out nearly as much as i get a month and they have advised me to cancel direct debits and send a token payment of £5 till they write to all my creditors for final balances etc and then work out / come to some agreement with them…
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How do I stop myself from drowning???
I've posted a few times on here with sometimes advice and sometimes asking for help, I've been through quite a lot and tried my best to cope, get by, stand on my own two feet and believe me there's been times when i've been desperate, but they've come and gone and in my heart i knew they would. Now I'm in a fairly good…
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Can you help me help my mum?
This is a long one, so i apologise in advance :o . I spoke to my mum yesterday who was very subdued, i finally got her to talk to me about what was bothering her. It turns out she is debt, not by a little bit but by loads. She owes money here there and just about everywhere. I want to help her but dont know where to start.…
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hi Help
hi i am quite new to this co please bear with me:eek: i owe black horse finance a grand total of 10,783.10 less 3236. i defaulted on my egg card and will finish paying that off this month have been paying 266.19 a month. i owe 1027.26 on my capital 1 card am currently paying the minimum of 30.79 a month and i have a 2000…
