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Could anyone help?
Hi there I was wondering if anyone could give me some advice? I try to be mse but it never works out. I must be doing something wrong because I don't feel that we spend much money but we obviously do or we wouldn't have debts. No one else I know is in this situation and it is quite lonely really. I just need a resurge of…
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Template letter - requesting removal of telephone numbers??
Good Morning all, A week or so ago I came across a post in one of these threads and it was a template letter to send to creditors requesting removal of telephone number from their records - it went on to say that continuing to call after receiving letter was a criminal offence. I really need to find that post, but I have…
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I don't know what to do!
Hello everyone This is my first time here and can I say it's good to be amongst people with a wealth of experience and advice. This is a little long winded so please bare with me. The situation is this, my wife and I have accumulated a lot of personal debt which includes the usual credit cards and loans and also a secured…
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please help council tax worry
Sorry if this is in the wrong board but i need urgent advice I am one month behind with my council tax i got a letter saying if i did not pay it within the next 7 days i would have to pay the whole year in full .Today is the 7 days i completly forgot about it and i have not got enough money in my bank until Wednesday to…
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Manageable debt - but shall I get rid of it just because I can?
Hello all, Following on from advice I have found on here before I thought I would come back as you all helped me out of the hole before. I took a loan out on a car I needed to buy, and made the term of it quite short because I could afford large monthly payments of £380 a month for 2 years to pay it off. I now have about…
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Monday 16/06/08 What small dfw thing 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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Monday 16th June *Daily Chat Thread*
Good Morning lovely peeps:hello: I have woken early with really bad hayfever so I thought I would just get up and have a schmooze about and a cuppa. Just had a walk around the garden and it is so peaceful out there.. Only working mornings today and its my last night class with my accounting sudents as there exam is…
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Payment plans - how long for?
Evening everyone. In the last year or so I've got into trouble with around 6 or 7 credit cards - usual thing, used one to pay the other etc etc until I had not credit left and no means to make even the minimum payments. In total I have around 30K of UNSECURED credit card debt. During the last year I've come to repayment…
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Job Quandry
Need some other opinions on the situation I find myself in. As some of you may recall a few weeks ago I found myself a little parttime job in the local pub waitressing. OH wasn't too pleased but seemed to come around to the idea. I must admit when I took the job I thought it would be 2-3 nights a week. Turns out its only…
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*Update* - Grumpy creditors and lack of CCA's
I have been in a DMP with CCCS for 4 years now and up until recently things were going well. I got made redundant in Feb, and I had to reduce my CCCS payments due to a reduction of income and now I am having trouble with some of my creditors and wondering if sending CCA requests would do any good. Moorcroft are ringing…
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IVA V's Current DMP
Hey everybody, Thsi is such a fab place, and I am sure with some serious searcing i could find the answer to this, but I thought I would ask before being blinded with too much info; My OH and I are on a DMP with CCCS, as follows; Current Debt approx £46,000 No of Creditors = 6 (1 is Northern Roak who we owe £24K to)…
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I need some money
I have posted on the 'Loans' board, but they are a quieter bunch than you lot so I thought I'd try here (didn't get one reply over there :o ). We need to borrow £3,500 mostly for the up-front rent and deposit on a property and the rest for EA fees and to take it off the market. Can anyone recommend a reputable firm that…
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The CCCS are amazing
Just wanted to say that I had my apponitment with CCCS on Friday, Even though it will take a staggering 14 years to pay off - I feel a bit happier! I am still wondering if its wort try to claim charges back on credit cards?
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Exact CCA Procedure
Hi, I have searched but not found it, I am wondering if there is a thread showing the exact procedure for issuing a CCA demand. i.e. From sending the first letter asking for a copy of the CCA until the final procedure showing how many weeks between each stage before you issue your next letter. I must admit to be quite…
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Shelvis spending diary
Hi guys, I am £800 overdrawn in my personal account and I dont want to be any longer. I am spending way to much on a daily basis so I need to cut back. I am taking £50 out of the bank on a friday and I am going to make it last me all week. Any I have left over will go into a pot for weeks when I am struggling! I get £300 a…
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Another DFW diary!
Hi guys, I hope you don't mind if I create another diary but I need to do this for my own sanity ! I'm struggling with my finances at the minute because I waste money on things I dont need. I need to get on top of this pretty quickly as my overdraft is getting bigger and to top it off, I could be out of work by August…
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can you point me in the right direction please
I am debt free but over many years I have had many store/credit cards that have been paid in full and luckily without any defaults. Unfortuneately however until I found this site I never officially cancelled any of them after they were paid up. I just stopped using them and eventually the statements showing nil balance…
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Which is the best way forward?
Hello I am after some advice please? I have a loan with the AA. It was originally for £9500 but currently is at £7120 after paying regularly for about 15 months. I repay this monthly at £195.43 I also have an overdraft of £2650 and I am up to the limit on this. I have changed bank accounts from Barclays to A&L and got £50…
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wits end
i have never posted on this site before but have been reading the threads for some time now. i am in a bit of a pickle, im 30 years old and in £24000 of debt, i have no security or property (thats worth anything!) but the main problem is that £6000 of the debt is owed to someone who i thought was a friend. i turned to him…
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Sunday 15/06/08. What small dfw things will you do 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…
