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DFW doesnt quite know where to start!
Hello everyone , feeling overwhelmed at the moment and a bit worried about things but i know this is the right place to start. It all just seems a bit overwhelming at the moment.Currently my situation is this. I am a single parent, with a disabled child and I am studying for MA at university. Dont let the word student fool…
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How can I help my brother save his life
I am in a lot of debt myself, newly seperated but dealing with CCCS and hopeful I can get back on track. However until Nov 2007 I worked for my brother in his civil engineering business and now I fear he is going down financially and physically. In a nutshell he had a business for 12 years with a partner and split 2 years…
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BT £158.97 Charges!!!! Please Help!!
Please can someone advise me on what to do here. I moved into this property at the end of March and needed to set up a phone line to enable me to get broadband. I wanted the broadband and line rental package from tiscali, but as I hadn't got a number yet I set it up line rental with BT, I was told there would be no…
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What exactly is a Statutory Demand?
As above... My friend (honest!) has received one for an amount just short of £2K which relates to a Lloyds TSB credit card debt. The SD has come from a DCA, can't remember which though, 1st Credit possibly? What will happen? I've read somewhere that 90% of Statutory Demands are bluffs to try and get you to pay, is this…
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Overdrafts ? how do they work
Ive tried searching for a decent answer to this but no one is totally straight with a answer. Just say i have an Overdraft limit of 2500 Just say i wanna borrow 1500 for around 5 days for something and will put it back in after. Do i pay more than 1500 ? do i incur intrest charges if only borrowing for 5 days and is back…
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Help please re: 1st credit
I have received a letter this morning from 1st credit saying that they are planning to take legal proceedings against me. Heres the background: When I was living with my parents a parcel arrived with my name on it. I did not order it, it was a dress and some shoes from J.D Williams. I rang them and they come and collected…
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Jobs for the deaf
Probably posted in the wrong place - so apologies in advance. I just wondered if anyone knew of a suitable job that a deaf person can do - i.e a job that requires no hearing. For example a taxi driver would be no good because you need to hear where the customer wants to go. Postman would be suitable. What about any others.…
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Pap/Moozies What have / will you spend today Wednesday 11th June?
Good Morning Folks :D Another lovely sunny day. Have just bought milk & loo rolls ( £2.62 for 12 Nouvelle in Somerfield ;) ) have gone about £5 over budget this week, but payday tomorrow & should be able to put a bit into savings. Have a good day & don't spend too much:p
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Wed June 11th - Daily chat
Morning everyone. You were all very quiet yesterday - hope all is well wherever you are... Planning a NSD today (except as ever the daily train fare). Trying to hold on to every extra penny as we're on holiday a week on Saturday. Spending the fortnight in sunny Cornwall at Mum & Dad's. We were there last summer too but out…
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Hello and new DFW, in a bad way.
Hi, So after spending way too much on CC and then taking out a Secured loan to sort things out only for it to go wrong again, only myslef to blame. The to top it of I was made redundant. My Mortgage and Secured loan are being paid by payment protection just now and today I will not have made the full payment to both Mint…
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help please
i have a intrest only mortgage £24.000. paying £145 a month need to lowere it without fees, very best ideas please !!!!. i have some savings £6,0000 is it better to reduce balance or try get cheaper payments,,, help please
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Information on someone avoiding CCJs - what to do?
Hi all, I've recently become aware of somebody who's been avoiding CCJs, bailiffs and debt collection letters through using false names and addresses. I believe I could have some information which would be useful to the people who are trying to get hold of this person. Who would be the best person to speak to regarding the…
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Wednesday 11/06/08 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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writing off debt....
hello, first of all, having read all of the help that you people give is amazing and thanks for your help in advance. only sorry that i have just discovered this site. i have been on a dmp with the cccs now for approx 3 years. all is going well so far and i have about another 2 years or so left. give or take.... my…
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Trying to stop recurring payments on a debt that's not mine
18 months ago, I authorised a payment to be made on my debit card towards a relative's debt, with Allied International Credit. At the time, I had no idea what AIC was or what was going on and thought it was a one-off payment. AIC took this authorisation as a form of 'recurring payments' and have been taking the money from…
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Thought I was DF - what a numpty!
Ok, so I had my spread sheet all worked out - credit card balance at the top, all my credits added on, all my OH's, all our payments, and by my reckoning I had £160 left to pay on Fri. BUT today my CC bill arrived and when I showed my fella what he had left to pay, he said it was too high. Some working out later and it…
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Debt Management Plan?
Help! My partner has recently left me and also left me with about £10k debts, mostly on credit cards which are in joint names, I have just about managed to make the minimum payments for the last few months but I have now run out of savings and am not earning enough to cover them (i only work part time as i have a young…
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Frightened stiff of Eversheds,have they made a boo boo with this letter
Help does anybody know the answer to this ? I got into problems with paying a loan to Northern Rock and despite my best efforts they passed the debt to some scary people called Eversheds who threatened me and made my life hell.Then a letter arrived saying they would accept £100 in full and final settlement of a £19000…
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Is There Any Hope?????
Where do i start Got my first star today:j (it feels like am part of this now) this has prompted me to ask for help/support/ advice from you great peeps :D Today feels like the worst day of my life. 1) im trying to do SOA but cry every time i see it-cant snowball-big securded loan. 2) I get made redundant on mon still…
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Daily clicks web site
Hi all, Stumbled across this site, might be useful to some people, hope it is www.everypennyhelps.webs.com :beer:
