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Budget with Cash or open a New account?
My Husband and I want to set our selfselves a budget for our treats, like new clothes, meals out, magazines... I find that it is hard to stick to a budget using our current account, would you say therefore it is better to draw the cash for these things out at the begginning of the month or to open a basic bank account and…
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DMP - Some companies really unfair !!
Hi, Been on a DMP with CCCS since January (owing £54k) and some companies like M&S have been great and froze interest straight away and haven't even Defaulted me. Others like Amex (RMA Resolve) have kept it up still and i find I owe £200 now more than when i started !! Trying like mad to keep things going and they are so…
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Is this the best full and final ever
After much negotiation we have got an offer accepted (waiting for it in wring) of 18%:T:T:T:T:T:T:T:T:T:T
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Advice Needed Please
Hi all, Im new to dfw but im in a sticky situatuin at the moment and quite frankly cant see light at the end of the tunnel. Right im 21 not in loads of debt but enough at the moment - here goes Credit Card Balance - £300 Limit is £300 Storecard Balance - £70 Catalogue Balance - £454 Overdraft Balance £300 - Limit is £300 I…
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Newbie who doesn't know where to begin
Hi, Having recently gotten married, my husband and i are desperate to move but need a slightly bigger mortgage - from 97,000 to 140,000 for our "forever " home! The Problem? We have debts, whilst controllable they are starting to frustrate and worry me as we can't seem to shift them; they are as follows Loan - 3000 with 4…
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Moozie/Pap's What have you spent today? 23/08/08
Looked around the boards and couldn't see any posting of this :confused: . Haven't been around for a few weeks, so not sure if anyone posts it anymore. I felt that this thread really helped curbed my spending and made me realise what i actually spent each day! Does the weekly spending challenge still happen too? Anyway,…
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Short Term cashflow problem?
Hi all, Not sure where would be the best place to post this. I was wondering what advice anyone could offer me. We are having a temporary cashflow situation. It will be difficult for a month or two, but possibly a lot longer than this depending on circumstances. It is at the point where the money we have coming in this…
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Solicitor letter demanding payment
Hi, my husband has just been sent a letter from a solictors demanding a payment of £1650 (as the previous company he worked for overpaid him and them we spent the money, stupid I know but we were broke, We were paying this back at £10 a month but I forgot last month hence the solictor letter) We have been given 7 days to…
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urgent advice needed
My dad runs his own business which at present is doing ok but has been doing rather badly although seems to be scraping through. He is at present £15000 overdrawn! His bank, HSBC have recently got a new manager who has ordered the end of his overdraft by the 31st August. They have offered him a loan with a rate of 28% with…
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Help Please????
Please see my original thread... My main question at the moment is what is the purpose of the CCA letters. Many thanks in advance. Like the brain dead person I am I forgot to put the link!! http://forums.moneysavingexpert.com/showthread.html?p=13589781#post13589781
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Credit card reducing repayments?
Join Posts This is copied and pasted from another board, nobody answered though so maybe I was in the wrong place! Hi everyone, Two months ago we contacted every card we owe and asked for reduced payments due to temporary financial problems.They all agreed and were very helpful. Just yesterday we discovered a drop in our…
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Debt Free before im 35 anyone want to join??
Hi Everyone, Well today is a big day for me I have just reduced my overdraft by £200:j I have the following to pay back: £1500 Credit Card £400 Overdraft £15337.55 Bank Loan (The Biggie) I currently pay the minimum amount on both Credit Card and Bank Loan £39.00 and £278.00 respectively. Which if I work it out will mean…
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Mercers Debt Collections
Last Saturday I received a letter saying that Barclaycard had passed on my arrears of £298.76 and to contact them about this. I'm currently unemployed living with my parents and unable to pay this so I didn't phone them. This morning a man came to my door banging and banging and stayed for what seemed like ages, I don't…
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Is ther a definitive answer for CIFAS warning???
Hi, This has probably been covered already but cant find a definate answer. I have a 2 xCIFAS warning both by Clysdake for the same loan application, from September 2007. I cant even get a bank account now, how long do these stay on for. I have tried asking Clysdale to remove them but they are not interested and very…
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Sorting out Energy company debt, they want to cut off or put on card meter
I have posted this in the debt forum because it is part of my overall debt problem. Having got some debts sorted my next biggest problem is my Energy company, Scottish & Southern. They are looking to disconnect or swap me to a card meter. I owe them just under £1,000. I would of course prefer not to go onto a card meter…
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Marlin Recoveries Non Compliant Cca? C/o Request!!
Hello I have recently been fighting with Marlin Recoveries who appear to be collecting a Marbles Card debt on behalf of someone called Phoenix Group who seem to be buying HFC debts en masse. Marlin sent the usual threats of going for forthwith CCJ's and C/O's and because the amount they were asking for was so different to…
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Saturday 23/08/08 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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HFC - Charging Order Notice - Not been told - what do i do?
Hi all, Some of you may recall a little while ago I defended a CCJ with HFC - which I won in court. However I came home yesterday to a letter from the Land Registry in Nottingham advising me that HFC have applied for a Charging Order on my property - this was created by order of the court on 04th August 08 in favour of…
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Debt, Gambling, Depression and need positivity
Hi guys Just wanted some advice and more importantly some postivity really. I lost a load of money (£2,800) gambling. My girlfriend found out and our relationships a bit of a mess now understandably. Ive worked out a plan to stop gambling (gamblock, gamcare and payment plan) but everythings really taking its toll on me. I…
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*Weekend Chat Thread**23rd Aug 08**
Keep it clean boys and girls at least until after 9pm..You lot are sooooo naughty :rotfl: Weekend List * Deflea children!! (obviously word has spread IA!) * Deflea pets and wash any bedding/cages/tanks that require it * For those 'the south side of the border' Make sure you have everything you need for your young 'uns…
