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please please help worried and scared
please help I am new here and need help. My hubby thinks that on 17th may when our mortgage is due we are back on track with it, but we wont be still gonna be paying it 2/3 weeks late. Also the council tax is 145 a month and he thinks its 135, cos I owe £140 from last year. Basically back in april 06 he found out i had…
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Saturday 19/04/08 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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Changing to interest only mortgage - how
Hi We want to change to an interest only mortgage and have been told we can do this by our lender, we dont intend to do this long term, perhaps 12 months or so, just to enable us to make a start with a DMP plan. I have recieved the offer through the post this morning from the mortgage company advising us that we need to…
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Positive equity
All, Please excuse my ignorance as this is my first post.... I'm sure that along with many others, we currently seem to be living day to day just to pay bills. My query is in regards to positive equity. My wife and I are in our late 30's and earn a combined figure of approximately £2,200 per month. We have loans and a…
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Doing Own DMP, What About CCA's & Claiming Back Charges?
Hi all! I've been a frequent lurker for the last year or so but only had my real LBM in Feb of this year. I owe £70000 ish over 9 CC's, so contacted all of them using the National Debtline template letters with a SOA and thankfully all have now agreed to reduced payments exactly as I requested. Must admit that I didn't…
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DFW Daily Chat 19 April
yawwwwwwwwwwwwwwwwwwwwwwwwwwwnnnnnnnnnnnn...........been up since 4 :eek: :eek: :eek: . OH woke up and once he is awake can never get back to sleep. He thinks he is being quiet :rolleyes: but his opening and closing of the back door to have a cigarette and his swooshing around the house in his rain coat is about as quiet…
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How has MSE and DFW helped you the most?
I was just wondering what it is about this site, especially DFW forum has helped you the most? For me it is reading the stories of other people and realising i'm not alone in this, lots of people are trying really hard and doing everything they can to be debt free and giving lots of useful advice when i'm having a crisis.…
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Hello, young newbie
Hey there, My name is Dee, I'm a student so I am already in debt. Probably around 15k but won't know till I get my end of year statement thing. But I know that will come out my wages and only when I am earning enough so that doesn't worry me much. What does worry me is my huge O/D, I know the bank told me it will be…
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Major life changes . Dealing with creditors
Hi All I have been working ta my debts for a while now (need to update you all on whats happening). However , in the last week , the following has happened. Work announces a restructuring which will mean no overtime. The doctor has ordered me to slow down. I know i have to many little projects going. I have to free up 3…
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Dealing with CCS (Commercial Collection Services)
Help! Help, Help! Hi guys, I was wondering if anyone can give me some advice... ...maybe even the guru himself :money: might help on this one? I have a debt with Lloyds TSB Visa to the value of £1803.64 I have been quite unwell for several years and was very depressed for most of this time and could not deal with these…
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Postal Survey Question
I hope someone can help me... I'm clearing out all my old postal survey paperwork and was wondering - do i need to keep the postings that only contain the 'R' number orcan I bin them? I have one extra SMART which I am posting abck to them and have prepared everything else to be posted next week and was hoping that I could…
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Capital One changing agreement
Hi guys, a problem for you today. Well, a problem for me actually, but I need your help please. Basically I have a long standing agreement with Capital One to make a payment on my loan with them. I have kept up payments for nearly two years and have about £1500 to go. Suddenly with no warning I have a letter stating that…
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I Hope I've not Made A Boo Boo
Please can anyone advise as to what I can do regarding the following: About 6 months ago I had a call from a company called Mackenzie Hall saying they had been passed my file from Cabot ltd for recovery. They were very rude and saying all sorts of things about court/prison etc if I didn't pay them. The amount owed was…
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CCA Next step after 12+2+30 days
I sent a leter to Link financial, Recorded Delivery 23.2.08 requesting CCA, rececived two replies from them one introducing Link Financial - (which is uncannily true as until requesting my Credit file and seeing the default I had never heard of them :eek: ) and another letter which reads "You have recently made a request…
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Hubby is Spendaholic - Help Please!!!!
Hi We have just managed to sort out our finances and get debt free (mainly due to a planned remortgage which was always the plan when we bought house 2 years ago - this allowed much needed work done to house and debt cleared (not what Martin recommends I know but anyways) Yesterday I decided to go thru bank accounts and…
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still being positive
hi all popping in again my ebay is going grt I'm shocked!so far the items have raised £72 ! almost 50 of which for some cups i haven't used for years its the weekend now and i'm on an ebay item hunt!:T
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HSBC stalking me!
Hi - I'm new to this so please be patient! I'll start by giving a brief summary of whats happened and where we're at now! Started struggling to keep up with repayments on loans and credit cards at the beginning of the year, as all my debts are unsecured, husband looked into a DMP with CCCS, which we went with and this…
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can someone just clarify this please
hi, i kinda know this already in my mind but i suppose i just want a little reassurrance that i am right. If i sent a CCA request off to a catalogue company and they failed to supply it, that means its un-enforceable until it is produced....am i right so far??? If that catalogue company then sells it on to a DCA and they…
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In need of serious help/advice
Hi, Not really sure where to start, firstly I feel utterly ashamed about our situation so here goes. We have a newborn baby (that's the only good thing). we also have a 3 year old girl. This is our list of outgoings and incomings, this does NOT include day to day spending like petrol, food etc etc and as you can see we are…
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DOnt want IVA! - but dont know what to do next?
I have finally used up all my savings and so can no longer meet the minimum repayments on my credit cards and loans. I was signed off work back in January on long term Incapacity Benefits, my husband is self employed on a very low income so dont get any help from him paying for household bills or anything (well he buys his…
