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I need help.
Mods. please don't move this as DFWs are like my 2nd family and I value their input and advice more than anyone. A few people have noticed I've not been around for a couple of days. I'm not going to go into the emtotional nitty gritty because we've both done a lot of that over the past couple of days and are emtotionall…
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Credit Crunch & dmp?
Hi everyone I hope you don't mind me posting and asking what is probably a pretty dim question, but I don't really understand all the ins and outs of this credit crunch business. I get that its mainly due to bad debt ..... which, having a dmp, is something that I must have contributed to. My worry is, how will it affect my…
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Need Some Help/Advice for my Step Father
Hi All, I was wondering if you guys could give me/my step dad some advice. He is 56 years old, a maintenance fitter by trade and has recently been laid off. He has been trying to get another job for almost 2 months now without much success. Whilst helping him fill in an application form last night he told me that he had…
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F+F and CCA
Hi guys, I have sent F+F to the majority of my creditors, I have been thinking that if they reject my offer then should I reply by requesting my CCA's and then also include in the letter of request the offer again for F+F settlement? I am hoping that they may have trouble sourcing the CCA (if they dont accept my first…
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Driving Lessons
I'm not sure if this is the right forum for this but I've looked elsewhere and can't find anything on it?! :confused: After many years of being a dedicated non-driver, circumstances have dictated that I really should begin to learn to drive. However the question is, what is the most money-saving way to do this? I'm pretty…
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Need Help with Overdrafts - urgently
Hello, I am completely new to this forum so I hope this is in the right place. We are really stuggling finacially and we are getting ourselves into a bit of a pickle with our overdrafts and wondered if anyone had any advice. We have 3 bank account between us. One is the Bills account (all our bills are paid from this…
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Tuesday 30/09/2008 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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**Daily Chat Thread**30th Sep 2008**
Not Fly ladying today, still not feeling up to par....but for all you hardcore fans out there - and apparently its 87 sleeps till christmas :eek: Tuesday Chuck!- Master Bedroom & Landing Level 1 Check fire alarms are working Remove and wash bed linen and duvet covers Fling open the window and let in the draughts! Level 2…
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Student Loan Company Debt
Is there a liability if the loan was taken out 13 years ago? Thank you
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Full & final settlement %
Hi everyone Long time - no post:o but I have been quietly hammering away at our debts - which were about £65k at our LBM on 7th April 2007 and are currently about £53k. I am just writing to make F&F offers to clear our credit cards. Does anyone have any experience of offering settlement figures and (most importantly) what…
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Just Starting Dmp CANT SLEEP
I have just sent off paper work for dmp!!!! I have missed one payment by two days and sent CCCs letter and token payment !!! I have alrady had a phone call today at work. I have not missed any other payments am i am really worried about lots of phone calls at work!!! It is such a small office and dont want to explain to…
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my embarrassing return to the dfw's and my new diary
:hello:Hello again guys :o :o:o:o:o:o Im utterly ashamed and distraught at how out of hand my financial situation has gotten since I last posted on this lovely forum, Im in a lot more debt now than what I was, which proves that I need to sort it out now once and for all before it gets worse!! Where do I start.... When I…
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The mental £5000 in 90 Days Challenge!!!
I must be mad! :eek: I mean, £5000 in only 90 Days! Can it be done? The obvious answer is...WHO CARES! It's worth a darn good try as far as I'm concerned. So here I am, laying it all on the line, telling you all I am going to make £5000 by the end of the year! (Well, a couple of days before New Years actually). So here it…
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Personal Guarantees - any advice?
Hello, I'm new here and am asking if anyone has any experience of negotiating with the banks when a personal guarantee is in place to back up a small business loan. We have just gone into voluntary liquidation (limited company - 2 weeks ago) and we have informed the bank, but as yet have had no response. Don't get me…
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Car Cash Needed Quick!!!!
Hi All, I've posted my longwinded tirade on DMP support thread but in a nutshell our £300 car was MOT'd today and needs £400+ worth of work and the mechanic says it isnt worth doing (SOB). For me no car = no money (self employed and need to carry stock etc around with me) so no dmp payments or other luxuries like um…
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Is this a reputable company thats going to help me out?
http://www.debt-line.org.uk/ they say they can reduce my outgoing by £112 a month, take over my bills, get my credit score back on track and just charge me £62.55 a month for this service. I owe roughly £23k Income of £1400 per month £12000 loan to be paid off in jan 2012 credit card1 £3000 paying min payment APR 21%…
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Full and Final Settlement Query
Hi, I have searched all of the old threads but cannot seem to find the answer so hopefully someone can help me.... I have a couple of old credit cards that I am in the (slow) process of paying off. Due to financial difficulties (am self employed) in the last 6 months or so, I have been late with a few payments with…
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repossession fixtures and fittings
Hi, Currently have a buy to let apartment due for repossession. Wondered is it okay to remove a couple of items prior to this happening, nothing major. I fitted a washing machine and fridge/freezer for tenant and wondered if I can take them back. They are intergrated. Appreciate any advice. Don't want to break the law.…
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CIFAS: Job Applications
Not sure where I would post this so put it, sorry of its in the wrong place. I got a credit report online recently it states I have a CIFAS. This is in someone elses name. I have received many letters in his name at my address and some of them have been from debt collection agencies. I have had credit checks done for…
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Can't get refund on swimming lessons
Not sure if this is the right place to post but you all are so knowledgeable on here, so here goes. In July, I signed up for and paid for swimming lessons for my daughter with our local council-run leisure centre, starting in September. She has been having lessons there for years. In September, she decided she didn't want…
