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Sunday 20/04/08 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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DFW Daily Chat - Sunday 20th April
Morning :wave: Hope no-one minds me starting this, been up for ages with Natasha, who seems to think 5am is a suitable time to wake up on a Sunday... :rolleyes: What's everyone doing today? We are just getting a few annoying little jobs out of the way - paperwork, tidying the 'monster cupboard' (under the stairs where the…
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cca help
Seeking answers to these questions:- Had some old debts and was paying off £1 per month then stopped paying for a year. Now have asked for cca agreement and one company sent back about 5 lines including my signature on app form:confused: but not theirs. Shouldn't they have signed it and shouldn't the agreement be longer…
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HELP! We're in the poo!
Hello, I'm not sure whether this is the place to post as the actual debt I have isn't huge - but it seemed like the most likely place to get relevant advice. Basically I've been unable to sleep all night because it's hit me that I'm in real financial c**p. The problems: - We owe the council tax £400. I asked them to split…
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Taken the first step - I&E
Edit: sorry, wrong forum! Moving to BR forum
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Cannot get CCA's out of my mind
For those who have been following my thread, 'Cliaming back and CCA diary' you will know that today (19th April 2008) 5 of my accounts have gone 12 working days plus 30 days and I have not received a valid CCA for iether. I've had a couple of days of being sick and running to the loo (quite a bit of running to the loo)…
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pap/moozies weekly challenge ~ w/c 20th April
Welcome all... I hope you have had a great week and kept it low... and are you ready to be turned red/green? Everyone can join, just post a target in keeping with you/your debts/your spends, don’t worry about everyone else’s budgets. Then each day post on the daily spends thread and add them all up ready to post the…
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Are early repayment charges legal?
Hi everyone any advice would be great, we are lucky enough at the moment to have some spare money so in true MSE manner we decided to pay off some debt. The said debt is a window loan which we took out over 4 years ago. The balance on the account is £4600 but to pay this off they want us to pay £5400 an early repayment…
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Paying off debts. YAY
What is the one debt your are more proud of yourself for paying off? Mine is NPower. When we (DH and I) lived in our last address, it was our first place together. It was all electric. I had no idea how much utility bills cost, because I'm from another country and I came from living with my mom who paid all the bills.…
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VAT Debt
Hi, I owe just under £50K to HMRC. They have gone down the distraint route to recover the money. I've been told that the auctioneers will turn up next week to remove equipment and a van. I can't see that the goods will raise anything like what is owed. What I need to know is what do they do after the auction? Cheers
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Cold callers from supposed DM companies
Grrrrr :mad: Literally from the day I contacted the first creditor to discuss DMPs I have been plagued with calls from 'debt management' companies. There's three different ones so far, but they've made dozens of calls between them. Every one of them appears to be based in an Indian call centre and the caller is blatantly…
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30k debt consolidation question
hi guys my partner and i are home-owners with 2 home-owner loans already on our mortgaged property, but we still have some equity in there. excluding the homeowner loans (which are at a good rate), we have a fair bit of additional debt costing us around £750 a month to service, and with an average interest rate of 17.27%…
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Coolmum introducing herself!!
hiya all well ive been lurking on here for a fair few months now and have made the odd post on a few threads but thought maybe the time had come to introduce myself properly as everyone seems so nice and its obvious some good friends are to made on here. im a divorced mum of 2 ds's and my debt problems have probably always…
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Big phone bill, I miscalculated, any ideas?
I got a big phonebill today. I have had 3 contracts with 02 (silly I know). Last month, as part of my "pull myself together and get my money and outgoings in order" time in preparation for moving house, I cancelled them and transferred to their Simplicity tarrif so I am not tied into anything. Anyway, I got the final bill…
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Help Please Bad Debt
Hi All, from the age of 20 i have been in large amount debt 25k plus. From age 24 i moved into a I.V.A which was for a 5 year period but i only managed 2 and half years and failed my IVA due to loss of job.(within failing i realise how little was paid off my debt) My iva failed in October last year 2007 and was told by my…
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Help - old debt
I have been contacted out of the blue today by a debt collection agency, saying I owe nearly 5k, after looking into it, it appears this is for a very old credit card and goes back 3-4 years. I haven't been contacted during this time, however I sold my house and cleared debts 3 years ago, I believe this debt may be left…
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What to overpay and what to save?
Hi, I'm hoping some of you MSE'rs will be able to give me some advice on what you think I should be doing with my spare monthly income. Generally, my GF and I are fairly free of debt, however we do have a car loan and a mortgage. Our current situation is this: Average spare capital per £500 - £700 (although there may be…
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shifting debt and reducing %
Ok, I'm looking at buying a new car and so it has forced me to relook at our finances! Basically we have the car money in savings, though I'm going to get a 0% on purchases credit card and make payments each month, therefore allowing us to still generate interest on our savings for longer. This has made me look at our…
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cancel contract hire?
Hi, I bought a new car from peugeot last June 07, I bought this with the promise from my boss that i was going to be promoted, however this hasn't been the case. Now i am absolutely stuck in a rut money wise as i can not afford the payments. I really need help with this. Is there any way i can get out of my contract and…
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How Do I Stop Mbna Phoning?
Since I put in my CCA I have been tortured, at least 4 calls per day. I have told them "I am not going to discuss anything over the telephone, anything you wish to say put it in writing, do not phone again" That lasted until the next day when some guy who sounded like he was from the depth of the Ganges phoned. I said look…
