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Please Sort Me Out!
Hi All and thanks for looking. This is going to be a long post, sorry. Just need to get things clear in my head and all/any advice is welcome. My problem with budgeting in the past has been that until very recently, I’ve continuously lived on my overdraft, so I haven’t been able to put anything aside monthly for things…
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money pot
ive got a little pot im slolwy managin to put money ie notes away, i find if i hide them from oh its really helping me to save money , he really annoys me as he thinks we have money now so he has to stop saving, and paying bill as i can pay from the pot,..... im thinking of letting him know im gonna use it all on bills,…
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Paid off all debt by 1st January 2009?
That's mine and my partner's challenge - we've been utterly reckless on our spending (though really enjoyed it) and now we're cleaning up our act. You can see in my signature how bad it got - and since the beginning of June, we've been working hard to pay it all off. We've had a couple of bits of serendipity - a £2000 tax…
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Loan - bad credit rating
Can anyone help? I really need a loan to help me pay off these bloody debts!! I tried my bank, Natwest, who ive banked with for 10 years! The best they could offer is to pay my overdraft off of 2100 for £56 a month for 5 years, which is way less than the charges etc I am paying. I have credit cards that are in arrears,…
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Help needed please!!
Hi people, I've used this forum as a valuable tool in the past for advice but have today registered as an unexpected development has occured with my problem. To cut a long story short I ran up a debt of approx £60k on various credit cards and loans. I struggled by, "borrowing off Peter to pay Paul" until about 6 months ago…
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the next step with bank complaint
Hi guys, I'm wondering if you can help me. I have recently been having a bit of a dispute with HSBC. I have now left but will be doing a bank charges re-claim, once my husband recovers from his flu! (He's done it before so he is going to do the paperwork bits!)However, I wrote a long letter laying out all of my complaints…
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Urgent-bailiffs!!!!
I currently have a baillif in my house to collect money for an outstanding parking ticket. I have rang around an no-one has the money to lend me! He has threatened to take all the goods unless I make full payment now!!! I don't even own most of the goods-my father does! He said a letter was sent, warning me. But I never…
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pap/moozies what have/will you spend wednesday 10th September 2008
Good morning all :j Hope the sun is shining and you are all happy. Midweek so not long till the weekend :T So what have you been up to today? But more importantly what have you spent. Remember martins mantra and also moozies famous one of 'keep it low' :j Have a good day all :beer: Mine will be a nsd.... again :rotfl:
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Car Clamped - Questions
Ok, so last night I return to the car and find it has been clamped. It was parked on private land where I have parked many times before - yesterday there were approx 6 cars parked there - none of the others were clamped. There ARE signs up warning of clampers in operation, but the land is L shaped, and the signs are around…
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A sub-board for the Diaries
:hello: I love reading people's diaries, and I actually have one myself, but I was wondering if it would be better to have a sub-board under DFW for everyone's diaries. I have noticed that posts from newbies on DFW and other posts requesting help are getting pushed to the bottom of the pages more quickly due to diaries. Im…
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classy -CCA - Orange thread
Join Date: Aug 2008 Post Count: 6 Thanked 3 Times in 3 Posts Help with what to do next please Quote: Originally Posted by RAS Original CCA request letter to be sent regsitered post with a £1 postal order. Print do not sign your letter. Quote: Dear Sir/Madam Re:− Account/Reference Number 4563210025897412 I do not…
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Credit card/late payment/huge fees!!!
:eek: Balance rate tart-Learning curve-MBNA credit card. I have had problems with an MBNA card that I transferred a balance to on a promotion rate and want to try to make more people aware of the terrible policy they have and to check all cards. Some people may be aware of this but if I only help one person in bad debt I…
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My tale
I'm posting my story in the hope that it will give assurance to those that think they cannot climb out of their situation. I understand that, as I've been there. In 2006 I had my lightbulb moment and realised my business, which had always seemed profitable from the outside, was actually failing and in debt. Most of the…
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Wednesday 10/09/08. What small dfw things will you do 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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Wed 10th Sept daily Chat
OMFG!!!!!!!! I actually beat her:T :T :T :T :T :T whooooooooooooowhoooooooooooowooooooo:j morning all how are we this fine day? today Flying List for those of you that are interested:D Wednesday wishy-washy-wipe!- Master Bedroom & Landing Level 1 Check fire alarms are working.. :p Clear a cluttered top in your room.. or…
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Having a meltdown!
I'm not sure this is the right place to post this - but as a lurker and occasional poster on DFW I thought this was as good place as any! My story i a bit complicted but basically I am at my wit's end and just don't know what to do! In brief - I split from my husband in Dec last year (my choice) and since then have been…
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Full and Final Settlement
Hi, I'm looking for help on making offers to creditors. Are there any guides on this? I'm most interested in what is your position after the event - e.g. owe a credit card company £10k and they accept £5k - how will this affect credit ratings and other implications? Also the obvious one - how much will they take? I imagine…
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Marbles CCA request.
Im going to send the below tomorrow to marbles/HFC. Can someone take a quick gander tell me if its ok? I was going to link the copy app they sent on here, but tbh, is so illegible i dont see the point, if the prescribed terms are on here no one is able to read them. anyway, here it is. Sorry its a bit long - its not my…
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How long have you been in debt????
Hi, Just wanted to get some feedback from people, I guess so I dont feel so alone about it all!! I have been getting pretty down about all of the debt recently because it has just been going on for ever it seems. In a sleepless night the other night I worked out that I have been in a downward spiral of debt since I got my…
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Save me from Churchwood !
Hi everyone! Ive recently learnt from reading all your posts that the company I have been with for the last 12 months - Churchwood- have taken advantage of my vunerability and desperate need to pay off my debts. I was paying over £500 a month and Churchwood reduced this to £180 - £30 of which go straight into their…
