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Hello! Newbie!
Hi Everyone :hello: I just wanted to say i think you are all fab and have inspired me! i have been a lurker since August and i'm going public! Bit about myself, i'm 29 and i have a small 2 bedroom house that i'm very proud of as i bought it young before the prices went up and i worked several jobs to buy it and have…
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DFW Chat 26 November
Morning all! Just munching on some oats and golden syrup and then off to work. Hope everyone has a good one.
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Wednesday 26/11/08 What small dfw things have you done today???
:D 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,…
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Is The National Money Helpline legit?
Hi everyone, Sorry if this has been mentioned elsewhere but I searched and couldn't find anything. My OH was recently contacted by these people after applying for a loan and they offered to consolidate all his debts instead. I was wandering if anyone has had any dealing with them or know if they are legit before he signs…
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CCA request.
Hi, I asked for my CCA via Barclaycards online messaging service just under 3 months ago and I also made a query at the time.I received a letter soon after dealing with the query,and tell me that once he had the CCA he would be in touch.I havnt heard anything since...I thought they had 12 or 30 days to give me it ? Do I…
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Help rebuilding credit
What is the best way to re build your credit rating?:undecided I cannot even get a current account at the mo:( HSBC have put a default on my credit for an overdraft and a flexi loan :o (long story) but that will not be dealt with until the bank charges are sorted:rolleyes: or the ombudsman talks some sence into…
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pay off unsatisfied defaults/ccj's or concentrate on clearing loans etc first?
I've around 200pound a month spare which i can use to get my debts down. Would you reccomend paying extra off my loans/credit cards to clear them or should i use my spare money to pay off a default and ccj which i have on my file? the default is for 500, and i have 1500 to pay on my ccj. The interest rate on my loan is 48%…
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Head 2 Head with Nationwide and i won
Just thought that i would let other people know you can win against the big guys. Had a court hearing on monday for a redetermination hearing after prievious Northampton county court award to nationwide for me to pay back £10,000 in one year. ( absolutly now way, ccs advise to apply for a reditermination best bit of advice…
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New to posting and Spiralling out of control.
I just wondered if anyone can see what’s going wrong here and if anyone can see something I can’t. A few years back me and my husband had some severe problems with finances (job losses, increasing mortgage payments blaa blaa blaa) we got all of our debt into one place with a company called payplan and they sorted a figure…
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Its time for the December NSD thread!!!
Evening everyone! Its been asked on the current challenge if the December thread was up yet so i thought i best post it plus i am busy at weekend and don't want to start it late. The wonderful Jacks xxx has run the November challenge but its my turn for December, we will be alternating for as long as this challenge is…
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Finally done it !!!!!!
Hi all, Have finally taken the plan and started the ball rolling on a DMP with CCCS. My final budget is in and my pack on its way in the post. I've moved my bank account to the Co Op away from all my debts with the Natwest and my salary went in today ..... (great to see the balance in credit !!!). Just been online and…
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1st post - will we turn it around? Help!
Evening All, This is my one of first posts so please be gentle with me. :o I'm hoping some of you will be able to give me a bit of advice. Earlier in the year we were so far in debt, we were struggling to pay it with our monthly incomes. Over the last couple of years, we have got married, had a baby, the cost of living has…
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Advice About CCA Request Letter
****Please people, if you are sending a CCA request as above please add in this sentence at the top of the letter: ***I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY. I have sent out a few letters without the above wording and was wondering if I have made a big mistake or not? Could a kind soul explain or point me to a…
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Advice needed Please how to deal with debt collectors
Hello not sure if this is the correct place for this message so forgive me if it is not Back in 1999 i was very ill and unable to work, it took a long time to be diagnosed and for benefits to be issued my husband gave up work and became my full time carer - well in the time it took to sort out all the benefits we wound up…
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joint debt?
my husband left me last month and besides leaving me he has also left me in £32,000 of debt, £24,000 of which is in my name alone. is there anything i can do? or am i just stuckk with it? i live on disability benefits and am in no position to get extra work to help with payments and carried out an SOA on here and am…
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Our tight money & impending TAXES
Hi folks, hope you are all well and very prosperous, but i have been mulling over our future which looks pretty bleak for some years to come, and I think we should sell some of our national treasures we have, until such time as we can buy them back. I know this may not please some people, but in times like this we are…
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I need help to get out of this mess
Hi there, I need a bit of help to get out of this mess. Right here we go - Current situation. Living with my partner. We bought our house in Feb 2008 with an interest only 100% mortgage. Yes - you heard it - a 100% interest only mortgage. We are on a 2 year fixed rate. We are in neg equity at the moment and are very…
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reclaiming charges on a closed account?
I know the bank charges are on hold just now but was just wondering if it is possible to claim charges on a now closed bank account?
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CCA request
I have written the letters from the national debtline template about getting my cca. When I am sending off the payment of £1 who do I make it payable to? And does it have to be a cheque or is a postal order acceptable? thanks for any help.
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need help with capquest
can anyone help. out of the blue oh got a phone call from capquest about a debt totalling 250.02. they said the debt was originally taken out on july 13th 2001 and was paid every month up until 2005.(not sure who it was originally but capquest said it was with barclays finance) the debt was sold to capquest in 2006 but…
