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Wednesday 18/06/08 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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Charging Order Dismissed
Hello Guys and Gals Well its been a while since I have posted. We are still in a dmp and still chipping away at them there debts. Fab news........we went for the final hearing yday re the charging order for £12k we owe nationwide - shoosmths were handling. It had been a steep learning curve for us tbh. We have been paying…
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DFW Daily Chat - Wednesday 18th June
Morning all Nice bright morning here and I'm up with the lark. Hope everyone has a wonderful day whatever they are up to. Catch up with you all later.
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Credit Card debt and Income Support
I'll try and be as brief as possible... I had to quit my job in February on medical grounds. To cut a long story short, I have some muscle/joint disorder that has doctors baffled, and my job involved quite a bit of heavy lifting. I also have problems sitting down or standing up for any length of time. If I was in my 50's…
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Do you Know "Shoosmith" ??
Does anyone have any information on a Firm Called "Shoosmith" ? they have just taken on a "Nat West" Debt (I have never missed a payment since the re-payment plan was setup by the CAB), now this firm have told me that they are going to take "Court Action",, Just want to find out about them if anyone has any info.…
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Totally depressed - I dont know what to do
well after being so determined and setting up my 500 challenge my situation has taken a very sharp nose dive for the worse. All the extra work I had which gave me around 600 quid extra a month has gone - this particular gym have completely taken advantage of me and redistributed or cancelled the work I did which means I…
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Worried about my parents
Hi People, my parents health (both retired) is beginning to suffer as a result of them bieng in debt over the legacy of multiple credit cards and minimum payments. they have around £20k of debt spread across two or three cards wich is eating nearly all of there pensions up! they own the house that they live in (paid for)…
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black horse loan , will they take my car??
hi, ive posted my troubles elsewhere on this board, up until now ive managed to keep my head above water by repayment shemes with my debtors, however, lloyds black horse now say i have to revert back to my agreed payment for my car loan, £180 a month which i just have not got, i told them this and have written with a…
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Template Letters for Partial Settlements - Any ideas?
Hi All, Does anyone know of any template letters I can use to 'thank and reject' a Partial Settlement? Thanks guys. :beer:
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selling flat to pay off debts
Hi there, This is the first time I've posted. My partner and I have c.£85,000 unsecured debts with fifteen different creditors and have been on a DMP with CCCS for about 2years. We both work freelance have a very erratic income and not quite so erratic three year old. Work has been a bit slow recently and we've got behind…
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How do I change the title of a thread?
That I started. I want to change my diary title
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Desperate, am I in the wrong place?
After various events and sticking our heads in a hole, my husband and I find ourselves with over £49,000 of unsecured debts. Our bank of 20 years yesterday closed our account and will not pay any of our direct debits this month. They've transferred my husband's salary (a little over £1800 after deductions) to our new…
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advice please
my oh has debts of about 23 thousand,he has come in to some money,but not enough to clear it totally,what do you all thing is our best course of action? should he try to negotiate reduced settlements,and how exactly is this done. many thanx,
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Can I justify spending £170 on a "treat"?
:confused: I know I know... £170 is like :eek: BUT when I say £170 it's actually more than that... Not only do I want to spend £170 on a treat, I want to spend a further £80 a month until I fall pregnant so in July that's £250 that I won't be OVER paying on my debts... Now I'm not going to name names but the £170 is…
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A Newbies SOA
Hi all this is my first post !!! been a "lurker" for a while and have just gone through my affairs and was very shocked at my outgoings !!! would be greatfull for any ideas where I can save...... We are a family of 3 living in service accomadation so that is taken from sorce we have been saving for a deposit but also…
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Pre-Payment Cards
If I open a pre-payment account will the OR keep the funds on it too?
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End of first month...little bit blue
Hi all. We're just about reaching the end of our first DFW month, and wondered how you all found your first month? We seem to be working really hard, but despite spending virtually nothing, making extra money where we can etc. we seem to have made little headway. However we have had to buy oil this month, and the situation…
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My SOA any thoughts?
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 420 Partners monthly income after tax....... 1010 Benefits................................ 430 Other income............................ 100 Total monthly income.................... 1960 Monthly Expense Details…
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seriously need help!
Hi everyone, well ive finally bit the bullet and decided enough is enough! I really need some help, my partner and I desperately want to buy our own house... we understand thats a very long way off as we need to make some headway into our debts.. it doesnt seem to be happening fast enough for us and is so frustrating. Im…
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Advice needed on Prioritising debt
Hi, Got a few debts that I am determined to get rid of within the next 2 years Here's a brief state of affairs: outstanding loan repayment £240 per month for next 3 years credit card repayment £150 per month (just moved balance to Virgin card 0% for 15 months) £3940 owing on just 1 card. £2750 overdrawn with bank,…
