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What To Do Now?
Hi i have done as advised and written to Moorcroft Debt recoveries requesting CCA. This i posted on 24th, recorded delivery, and on checking see they have received it on 25th, however a few minutes ago i have received a letter off them which was dated 24th (so posted same day as mine) NOTICE OF INTENDED LITIGATION and a…
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Im Back and this time ready....
Hi all i, back this time and ready to squash my debts for good, after a bad year i fell off the bandwagon and have not been doing what i promised myself last year to get rid of these debts i have, but im away to Citizens Advice this morning and im gonna get them sorted for good. No excuses this time. Im hoping to be debt…
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*Daily Chat Thread* Thursday 26th June
Good Morning Lovely Peeps:wave: Its Thursday..........and my day off:j Except I have a Mystery Shop to do, have to take Mam to Hospital (minor op), have an appointment at my own Doctors, have to take and pick the kids up from school, must finish this VAT return. HEY!!!! Who stole my day off!!!! Have a lovely day everyone…
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Thursday 26/06/2008 What small dfw things have you dne 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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Pap / Moozies What have / will you spend Thursday 26th June?
Morning :D Going to post this before I spend any money:p Will be going food shopping later - budgeted & get petrol - budgeted Can't see what else I might spend, DD is singing ( shrieking :rotfl: ) at the guildhall tonight along with other schools, so going to that, but have already bought the tickets for me & DS & will…
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Robinson Way - too good to be true??
OH pays Robinson Way £30.00 a month for a debt of £1700.00 and has been doing this for the last 12 months. He phoned them today to make his payment and they said that if he increased his monthly payments by 10% (so £3.00) they would reduce the outstanding debt to £1200.00. It seems too good to be true - we could easily…
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you thought todays' cost of living was bad.. (80's comparison)
i am now in my 40's (already? !!!!!!..) and recall working for a finance company leading up to/ during the recession in late eighties - got made redundant with many others, at just age 23, as the firm downsized (ironically after a large scale 'quality service' bonus scheme petered out..) at the time, i wasnt too bothered…
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Advice desperately needed
Can anyone help I am desperately trying to help a friend. He is a 45 yr old originally from America he don't really have any idea with money and is trying to bury his head in the sand. He originally came to England with his English wife and bought a house in joint names which was reposessed when she left him. He then…
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Thanks for helping - but please, I still need support
It's been a long time since I've been a regular poster on the boards but her I am and I really need help. My BF and I split up on Monday and I'm a total mess and have even been thinking of suicide. I just don't feel like I can go on anymore. I am staying at my step dad's house for the moment as he is on holiday. It's only…
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Fuming at Abbey, what to do?
Was out at a clients today at work and on my way back i get a phone call from my mum in a panick saying that the abbey fraud squad had been on the phone and i needed to contact them urgently. Now my parents know nothing of my debt and i dont want them to! I set a balance transfer up yesterday and this is what they were…
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How did you tell your OH about your debts?
Hi everyone, newbie here. I have just over 20k debts on my credit cards. I am paying over £500 per month on these as they have high APR's (19%, 26%, 29% and 34%). After paying essentials i have NOTHING left over. I usually end up using cards even more for extras (vicious cirlce, i know), but cannot continue to do this as…
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Need some DFW Vibes please - UPDATE
Some of you may recall that a few weeks ago I got myself a part-time job waitressing at the local pub, much against hubby's wishes, although in fairness to him did come around to the idea. Unfortunately, I was only given one shift, which at minimum wage meant that a shift was only worth £12 after tax....but £12 thrown at…
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Debt to management company.
Last year (infact almost a year to the day) we moved house. Our old flat was subject to a Factor (scottish management company). The building needed a cosmetic repair and we were all asked to lodge the thick end of £500 as our estimated part share. This money was lodged with the factor for months and months and nothing was…
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Worrying debt - anyone got any advice?
Hi I was just wondering if anyone had any advice for me for my situation. I am just about managing to scrape by making my payments on loans, cards, etc, but it leaves me literally nothing each month, and i usually have to borrow a bit from my dad. My debts arent over 7k, so i cant get any help from anyone. Payplan has…
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Richie is taking her employer to court
I need to talk to someone about all this so its kinda a diary for me so I can rant and rave.... Please humour me.... To start with I made a big mistake at work in all honesty thought I'd be sacked! :confused: Turns out although it was a biggie it wasnt a sackable offence :j But I admitted during my investigation that I had…
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feeling like a failure
I just need to have a moan really. Over the last month I have done really well with cutting back all my direct debits and spending and I think I will manage to save about £200.00 per month which is about the amount that I overspend by. I even went as far as to find a part time job (already have a full time job) which would…
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Big Clap For Me
Ok so I want a big clap, Im well on the way you will be pleased to know I have just closed down two credit cards account Vanquis with a £2000 limit at really high APR and Aqua £950 limit, will get letters for this within 5 - 7 Days, Yayyy, best thing is as well Vanquis ower me £4 and Aqua £15 so should get a couple of…
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Dca Ignoring Requests Because I'm Deaf!! Help Needed Please
:mad: Hi All, I am hoping someone can help me with this dilema, I recently sent a 3rd letter to Metropolitan Collection Services offering 50% in F&F Settlement of my debt. In that letter I pointed out that because I am deaf I was unable to contact them via telephone. I have received a letter back today saying that my offer…
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in debt and miserable
hi there, i am new to this have got myself into debt and am trying to get it sorted very slowly, realisng how much we owed was the first step and am now trying to figure out how to make the money stretch each month is a nightmare we got a 36k secured loan to clear smaller loans and cards but it is proving to be just as…
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Feeling like my world is falling apart
Hi All, I hope noone minds my totally self indulgent moan, but I feel like I'm really starting to sink. I'm off work this week and today has been the first day when OH hasn't been around and I've had some time to myself. Going through the mundane jobs etc was fine, kept me entertained, went off to supermarket and post box,…
