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People keep phoning up....
.... telling me about this great, new, virtually unheard of piece of Government Legislation which will allow me to wipe out a massive proportion of debt ...... usually having the name, Sebastian, John etc etc, all of home seem to have an Indian Accent (thats just my opinion) - names and accents dont seem to match at all.…
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Should I have done it differently?
I wonder if anyone can help. Two years ago, I had a mortgage of £147,000 and total debts (credit cards and loans) of around £60,000. I was in a situation where I was in arrears with my mortgage (two months), was running a huge overdraft (£3,000) and could barely meet the minimum payments of all my debt. Through a lot of…
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Interview
Well guys I have an interview tomorrow for an internal position and I am really nervous, not had an interview for about 8 years!!!!!!! If I get the job it should give me approx an extra £90 per month to throw at my debts so fingers crossed :)
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Addicted to shopping
Hi, I am 25 years old and am 1526 in debt. I am desperately trying to reduce the amount by about 200 each month (can just about afford this) but can't seem to stop spending! When I am feeling miserable (lots of the time) I end up buying myself something to cheer myself up - it's normally only something small about 25…
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How to deal with Debt collectors?
Not sure where to post this but here goes... My paypal account got suspended (long story) so i couldn't log in to challenge any buyer claims OR (note paypal if your reading this) to restore my account balance. On saturday i got a phone call from some debt collection agency however i missed the call so just got a message.…
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New DFW seeks advice
I guess the first thing is I am admitting to myself that I have a problem with debt, I worry about money a lot and I find that I cannot admit it to my friends or family. It has put me on anti-depressants and I feel it has come time to do something about it. The problem is, I don't really know where to begin... My job is…
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Query
We are on a DMP but about a year and a half ago we got a car on a "Bubble payment" deal. The cost is now too great for us to support but if we just give the car back we will still owe about 3 grand (which we obviously cannot afford) and we cannot afford to sell it as we will still be short of the total owed. So does anyone…
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Need to know
Hi guys, just joined the forums and have got lost in finding out what I need to know. I have been reclaiming (as many others have) and been put on hold. My bank (abbey) are claiming £248 in bank charges and every month this is upgraded owing more and more to them in interest on the original bank chrges owed. I left £247 in…
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arrears
in big trouble now as mortgage payments are in arrears by 3 months(what can it go to before major steps are taken against me?) unfortunately i am now unemployed so no steady income coming in. my mortgage is past its fixed rate and now need something to get back onto a fixed rate. the interest rate is low for now but when…
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Just started DMP but getting lots of hassle from a creditor
Hi all DFW Thanks to all your kind advice we are now starting our DMP with CCS, I made the first payment over the weekend via online banking and CCCS have just sent out the letters to everyone, they already had our notification of DMP two weeks ago. Problem is one of our biggest creditors, is phoning us every single…
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One debt at a time ... the new plan!
Hi everyone :p A few months back I posted about how we were gonna try and tackle our debt asap, a few days later OH lost his job and hasn't found any work yet (it's been 3 months now), so the money I'd made off Ebay that was meant to be used to pay off debts ended up being used to survive til my next pay day. A few weeks…
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New DFW!!!
Hi all, I have been on this site since my LBM back in July 2007. My spending was exceeding my income and my direct debits were bouncing... that's when a friend recommended me to MoneySavingExpert. I tried ccs and payplan, but as my actual debts didnt exceed my income (ie I could meet the minimum payments on my cc's etc)…
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What to do?
First post - sorry if it is in the wrong place. Great friendly site with lots of people giving and recieving what looks like good advice. Hope someone can help me. Current financial situation : Repayment mortgage = 112,500. 683 pcm. 4.64%. Loan = 13,800. 390 pcm. 6.1% No credit card debt, overdrafts or HP's. Cash Isa =…
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Britannia and Intrum Justitia
Success story beating Intrum Justitia!!!!!!!!! Hi everyone, I received a letter from Intrum saying I owed them £6.19. I ignored it as I did not owe Britannia anything. I then received another letter, about one month later, saying I now owed them £7.19! I phoned them and said I didn't owe them anything and the guy on the…
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pap/moozies ~ what have/will you spend bank holiday monday ~ 5th may 08
Happy bank holiday all :j Hope we are all well and everyone enjoyed there ly in. Hope you have a lovely day whatever you get up to, if you go out shopping hope you keep it low :j Take care all :A
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Credit Reports?
Is it possible to obtain the credit report of another person? A friend wants to see his partners credit report. Fortyfoot
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Monday 5/05/08 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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PayPlan
Hi there, I am new to all of this (not debt though) and wanted some advice....After months of worry and sleepless nights and rows with hubby over money, I made a big decision (after loads of research on the net) and I have just had my telephone interview with payplan (2 days ago). Although very nervous and the reality of…
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pap/moozies weekly challenge ~ w/c 4th May 2008
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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Fitlife Ltd - Associated Members Club
I am yet another victim of this awful company called Associated Members Club/Fitlife Ltd. I live in Newcastle Upon Tyne. I did have two credit agreements with them, one of which was for me and the other was for my partner. My agreement has now been sucessfully transferred into somebody elses name. My partners agreement is…
