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Just to put a roof over our heads
I have calculated our monthly fixed costs for 2 adults ......... Rent - 695 Council Tax - 126 Water - 12 Gas - 11 Electricity - 23 Content Ins - 31 Blimey, nearly 900 pounds :eek:
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Need to face my demons but need some clarity
Okay. so i am a postgrad student. went crazy on store cards, credit cards and guaranteed a loan for a friend who went bust and so i am about 20k in the hole. Moved and did not contact anyone so i have been 'chase' letter free for the past two years. Cant continue like this and want to face the music and start clearing the…
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Lowell DCA
Hi, I have read a bit on the boards about Lowell and their distinctly bullish tactics, but would appreciate some advice as I have recieved an odd letter from them. I hope someone will be able to she some light on this.... Around July last year I recieved a collection notice from 1st Credit demanding payment on a loan the…
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Credit File not accurate. How to get it changed...?
As part of my new, organised, good intentioned self, I got a copy of my credit report for the first time ever. :eek: Not as bad as expected, but there is a problem. One account is showing up as a default with £1500 remaining on it. This was a Lloyds TSB Mastercard which was passed on to Legal & Trade DCA a couple of years…
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aggh!sheilas wheels has just declined my quidco money.why?anything i can do?
hi all renewed my car insurance through sheilas wheels last month and had a payout from quidco but now its been declined?!:confused: i dont know why as all ok, not cancelled policy, or not paid etc?can i do anything? bit peeved with sheilas wheels already ( they seem very slow sending things and customer care is a bit…
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Saturday 30/08/08 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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Lucifer needs advice
I have dabbled with this site for a few years now, and have adopted alot of tips that I have learned from you wise people. I am determined to get on top of my situation once and for all. I have been keeping a manual spending diary, but would now like to do so on the pc. I don't want to pay for microsoft money (see I am…
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urgent advice needed re court
Hi I am on a dmp with payplan and have 3 debts with hsbc , 2 of them have accepted offer however hsbc mastercard have gone to court and said i have to pay £350 per month obviously i dont have this so i sent in a variation order it has now come back that i have to pay the full balanceof £2400 , how can they do this if the…
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**Weekend Chat Thread**31th Aug 08**
Well, I am up and using OH's web n walk stick! :rotfl: I have been dreaming about self assessments all night! Finally got up north last night at quarter to ten. Had to pay car insurance on mothers visa due to no bank card coming in post. Warning to anyone with A&L - all cards are cancelled and takes ages for new cards to…
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Taking a DCA to court
I would like to know if anyone has successfully taken a Debt Collection Agency to court for harassment. If you have what was the procedure. I'm seeking advice to take MacKenzie Hall to court for harassment including personal insults, making illegal claims, and been down right immoral in their practices. They are pursuing a…
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Chaos sees the light!
Hi, Like a lot of people I've been on this site for a while, just sort of browsing but never thinking of actually using most of the advice, however fantastic I may have thought it to be at the time, because 'I didn't need too'. Oops. Well... that was until the other day when eventually saw the light. I got a credit card…
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doorstep debt recovery
my dh and i are just setting up a dmp with cccs, one of our creditors is moorcroft, who collect from us monthly at our house, once the dmp is running will they stop calling, i hate people coming to my house like this, its embarrassing also I have written to all my ceditors telling them whats happening and to stop calling…
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Mac Users: A great app!
Hi there to all you mac users out there (hope there are some here!) I found this great application here: http://www.jumsoft.com/money/ I downloaded the trial version about a week ago, and have found it so useful, that I decided to buy it (Fairly reasonable price)! You can set up a number of different types of account…
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My Wife's in Debt
Hi all, just after some advice as I'm a little worried My W has been struggling to repay 2 bank loans and a CC. I have tried to help as much as I can but my money goes on the mortgage, bills, car etc - her money ( used to) pay for the weekly shopping and kids uniforms etc However she's almost paying out what she earns…
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Default Notice Section 87(1)
Hi All, been a while since I was here as last year I got reduced payment plans on all my debts and kept to them nicely and all was well under I received the above yesterday for one of my debts I am still paying the agreed amount on! When I phoned them they told me agreement had ended in Jun (I received nothing). I will of…
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Forum closed tomorrow - what you going to do with your day "off"??!!!
Just because the forum is closed dont think you can get away with any non-DFW activities!!! :p I've got a children's birthday party to go to. Oh joy. At least it may wear kids out so I can have a quiet evening! :rolleyes:
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Help needed with debts ruining my life!!
Hi Guys This is my 1st post. I joined a DMA called Daniel Chandler in 2003 all was well for 2 years, then out of the blue i started receiving letters saying they had not received any money from me. This went on and on I called the DMA and they said it was an error. Next thing i had 2 CCJs on my record. I found out after 2…
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Advice needed on ATM Link machines
A few years my mum had a major gambling problem and eventually after coming within a whisker of having her house repossessed, she managed to get it under control. Or has she? :rolleyes: Tonight I found one of her recent bank statements and hundreds of pounds have been withdrawn from 2 Link ATM machines in a nearby town. I…
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Contacted Payplan, and feel an utter failure
Today I did what I should have been doing a long time ago and contacted payplan with regards to not being able to pay the bills. I have to fill out a sheet for them all about incomings and outgoings etc. I have made £10 token payments to my creditors, and to be honest when I informed them that I had contacted Payplan to…
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CCJ's, what a mess
Hi Guys, I have 3 CCJ's just delivered and dont know what to do. I am on a DMP with Payplan, but due to the fact I was unable to pay Payplan for the last 3 months due to lower wages and other debt problems. I did let everyone know I couldnt pay for a while and asked them to freeze the accounts for a while but these…
