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Defaults on credit file- advice needed
Hi I'm after some advice, back in 2004 I defaulted on a loan from my bank (£2800) it went to a debt collection agency and I began paying it soon after. Then last year my bank requested the debt (now £2115) back from agency and sold it on to Fredrickson International. I started up same payment plan as I had with the other…
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Moongarden Vs Lloyds TSB and now 1st Credit
I did a bank charges case against Lloyds TSB, went to court on 20th April 2007 and won my case. At the time of the court date account in question was overdrawn by around £700 mostly made up of charges. Lloyds didn't turn up at court and shortly afterwards I received a notice from the courts saying "it is ordered that 1.…
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Nichola's get out of debt/get confident diary
Hopefully this won't be a long ramble... Okay, I've decided to start this diary because I think I need the extra push that I will get from making everything I spend public. Currently my debt stands at (approximately): * £10,880 student loan (without interest, will find out how much it is this month when I get the annual…
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Last leg! Haggle Loan Settlement?
Hi all This week marks the last stage of my 2 year battle with debt! woohoo! I have about £1500 outstanding on a halifax unsecured personal loan and have saved up the money to pay it all off. Does anyone have an experience of haggling the settlement figure? it would be nice to have a bit of spending money to celebrate!!…
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Finally realised that I need to act........!
Where do I begin? Firstly I think I should say that I am awful with money, I really have no love for it and spend without thinking. It's finally hit me that if I keep this up my future will not be a pleasant one. I bought a house this year and I know I've gone above what I could afford, and it didnt help that I hammered my…
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I need help !!!
Hi, I've just been adding up my debts and it's around 84k:eek: fortunately ? my wife and I have 2 houses we rent out which if we can sell (big if in todays market) could raise between 60/80k. I'm struggling big time now to make payments as work is slowing right down (I'm a self employed decorator) and don't know where to…
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Reached the 50% mark! Now a curve ball.
I have just reached the 50% mark of my dfw journey :j Although i've now been thrown a bit of a curve ball shall we say. My original plan was to pay everything off and then look at buying at the end of next year when i had then saved up a deposit. My gf has just been told she cant drive for 12 months which means if she…
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2 Debts cleared today!!
Hey!! So happy as I have cleared my Balance on my egg card today of £475.00 AND my OH has cleared his smallest debt which was once up at £900.00!! :T :T :T :T :T :T :T :T Just the other £5.9k to get through now! :eek: xx
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Woohoo, £17.21 cheque from Endsleigh
I cancelled my contents insurance because I've moved into "all inclusive" accommodation, and they said over the 'phone that they didn't think I'd get any refund. But I did! Yay! :D
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Heeeeeelp!
Hi Guys I'm new here so firstly apologies if this question or similar has been posted before. Basically following too many years at Uni and living a lifestyle I couldn’t afford, like many others I've racked up a fairly hefty debt of about £37K. This is currently being serviced by 3 loans and a credit card, with repayments…
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Down in the dumps today
I am seriously giving myself a hard time at the moment, and am seriously worried about how much worse and harder things can possibly get. After my break up with my ex I brought him out of our house - my parents paid for it, and consolidated my debt so in total I owe them £20k - which is manageable. But I am still close to…
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Charging partner "rent", what to put on SOA?
Hello Just found out my bloke is in quite serious financial difficulty, his wages only just cover his priority debts and living costs, there is not enough to pay his debtors, he is only paying the minimum and at times doesn't even manage that. He has been touch with CCCS regarding his options and filled in a SOA. He…
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Byrom and Keeley
My husband has a debt management plan with them to pay of his two debts one to RBS and one to First Response Finance Limited.. On Tuesday i recieved a call from Hillside Services Limited chasing the First Response Finance debt. I called Byrom and Keeley and explained he chould not be being harrased by DCA as he was paying…
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My little challenge!
Hello to everyone, As my sig suggests, i am wanting to get rid of my smallest debt as soon as i can, before, moving on to the next one, i am hating the total amount i owe at the moment so i am going to keep track here if thats ok? Insired by the pay a debt a day challenge, i am goin to be moving the odd pence each day to…
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Friday 05/09/08. 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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My SOA - Any Advice Please
My SOA - Advice Please (have just signed up with CCCS) Statement of Affairs and Personal Balance SheetMonthly Income Details Monthly income after tax................ 1472 Partners monthly income after tax....... 1246 Benefits................................ 681 Other income............................ 176 Total monthly…
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Pap / Moozie's What have / will you spend Friday 5th September
Goooooooooooooood Morning:D I have Fridays as my day off so as it is yukky her in the South I won't be spending any money hopefully:D good luck everyone and keep it low:D
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This morning my standing order went out and i am...
now offically debt Free!!! WOW OMG i have done it all gone the payment for £170 went out this morning and i have now removed the standing order and i have paid my debt off in full all gone done!!:j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j light bulb moment- Feb 08 when i found this site:T :j…
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*Daily Chat Thread**5th Sep 08**
Morning all, YEAH ITS FRIDAY!!! Couldn't get OH a suit last night in his size so I face another shopping trip tonight into B'ham.. Its okay the wedding is tomorrow!! I'm too scared to try my dress on in case it doesn't fit! Decided not to hand my notice in at work.. I have two years of hard study to do and I will be…
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Can't cope anymore
'm so tired everything seems to be crashing down around me and I want out. The only thing keeping me around is suicides go tohell or I'd be otta here right now. I can't sleep am smoking and drinking way to much. Have lost pride in myself, can't cope with they boys as I feel I'm failing them. Don't want to deal with DH…
