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Fed up today!
So much for my think happy thoughts idea! I'm so fed up today it's unbelievable! I'm so fed up of having no money and worrying all the time! I haven't eaten since dinnertime yesterday as I have no money and nothing at home except a few things but I would rather save them for DS to eat. To top it all I have got a 6 mile…
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Percy's getting some willpower
I need to lose weight :rolleyes: I am a classic yo yo dieter and put on and lose 20 pounds every year. I am now at the heaviest I have been since 1998. I have just noticed that my most comfy pair of work trousers have started to look very worn out where my chubby legs rub together. I was so tempted to run over to Evans and…
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OFT complaint forms!
Anyone got a link or knows where to get the right forms from on the oft website have trailed around it for ages and only found one form but it states that it is for advice agencies and third parties to use i want one for me to use anyone any ideas please help
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pleeeease help, need urgent advice!!
hi, i'm hoping someone out there can help me with this one! i've been on a dmp for nearly a yr, when i started it i had an additions account and a studio cards account that had a zero balance, however throughout the yr i have stupidly been using them and i'm worried if i ring the cccs they will stop my dmp! i've sat and…
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Threatening letters from DCAs ref Elephant.co.uk
Last year, I took out insurance with Elephant for my wife's car. The policy was eventually cancelled by them because we couldn't supply them with proof of no claims bonus (thanks to an argument with another insurance company, but that's a different story!). The upshot was, we were left owing them £46.15 for the time we…
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Overdraft...
Hi guys.. Im a newbie and just wanted a bit of advice really. Like a lot of you in this thread, I am slowly trying to get out of debt. I had a £2300 overdraft which was maxed every month, a £300 credit card, and a £10 000 loan which I pay every month. I checked my bank this morning online, to find Lloyds have automatically…
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Correcting my credit report?
My name is Shahban Aziz. I was wondering if you could help me on this very complicated matter that has been dragging on for a while now: Around three years ago whilst a student at University I got into arrears on an 'Orange' mobile phone bill which showed up as a severe default on my credit report. This debt was then…
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Help! Levy of distress....
I'm not sure whether this is the correct place to post this so here goes..:confused: I received a visit from a bailiff yesterday regarding a council tax bill for £900 that I owe. I receive council tax benefit, housing benefit and working tax credit as I am self-employed on a small income. It went to court in August and I…
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Sell your handmade creations for free on the web
Hi, Was not sure where to post this but have posted in this forum, mortgage free wanabee & freebies but please feel free move to more appropriate location if required. I have just come across the website www.artymiss.co.uk/barter where you can sell any of your handmade creations for free. They do not charge a listing fee,…
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When should we stop paying?
I have a really stupid question... We've sent a CCA request to Rockwell DCA which was signed for on the 10/11/08. Fingers crossed the debt is unenforcable! Thing is, we're still making the monthly payments against this debt. If the debt is unenforcable (if they haven't responded in 12+2 days), when would be the "safest"…
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Thursday 20/11/08 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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**Daily Chat 20th Nov - Welcome Lily Anne
Fell asleep at stupid o clock so consequently up at a stupid hour too. Congratulations to Toto who had her little girl early yesterday morning - Lily-Anne who weighed in at 8lb odd ish...... Dying to see pictures.....
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Cifas Cat 3 & 4 - Please Help!!
Hi, I am a newbie, and this is my first post, I am in desperate need of any help that you can give me. In May I opened a business account with A&L, then in July I applied to open another business account this was declined and within a week my first business account was closed and a cheque sent to me for the balance. I rang…
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Littlewoods passing debt to different DCAs
Please can someone tell me the best way to deal with this: I originally asked Littlewoods Flexible Account to send me a CCA. They sent me what I thought was a signed CCA but at the same time they passed on my debt to Moorcroft. Moorcroft started harrassing me to make larger payments but I carried on with the same amounts I…
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WHAT CREDIT CRUNCH?dont shoot me down pls!
ok..ill admit i have seen house prices drop and petrol go up..but am i just very lucky for it not to have hit me at all??:confused: my gas DD has been reduced to £13 a month in last year and my water meter payment reduced last month to £22 my elec bill hasnt changed at all,and im not capped,mortgage doesnt alter coz fixed,…
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Unfair Talk Talk Bill
could anyone please advise me of the best way to communicate with Talk Talk, apparently talking isn't helpful. 2 years ago i moved from a house where i had a TT internet/phone "service". I called them to let them know i was moving house and wouldn't have a landline in my future house as it was a bedsit. Also for the…
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First step done with Payplan :)
Hi. I'm not on this board very much, I just lurk every now and then. My husband and I are in £20k debt, and after reading this forum, we decided to speak to Payplan to set up a DMP, and we completed the first step tonight on the phone. They have agreed that we can pay £300 a month (we currently pay about double that to the…
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KnittyNess' Debt Free Diary
Hi all, I have been a member of this site for over a year now but only now do I really feel ready to deal with my debts. I was reading one of the diaries on here and it has really inspired me to document my debt free journey. I lose motivation so quickly. It's just spend spend spend with me! I will do a full SOA tomorrow…
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CCCS have paid a creditor twice
I noticed on one of my credit card statements that CCCS have made two payments of the same amount on the same day. It looks as though they have made a mistake overpaid the creditor. Will they miss a payment next month? And if they do I this likely to cause me problems with the creditor wanting another payment. Anyone…
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cant see the wood for the trees
Hi guys This is my first of hopefully many posts to this forum. My problem is I have a number of credit cards store cards etc I make at least a minimum payment each month which obviously isnt helping to lower any of the outstanding amounts. What I have at present are: Cap 1 Bal £795 limit £800 Vanquis Bal £150 limit £500…
