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Friday 07/11/08. 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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**Its Thank Goodness its Friday 7th Chat**
Well good morning...been up since silly o'clock trying to book a dam £9 room...:mad: No joy on that front and so annoyed that they started the sale early. So its friday and not much hapening for me today, must go and post some ebay parcels but no doubt I shall spend the rest of the morning popping on and off of here;) Hope…
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Gradually light at the end of the tunnel!
Hi everyone, Iv been a massive fan of moneysavingexpert for about a year now always finding the forums, readily available information and support from such a close community a massive motivation in my will to become debt free. Like so many people who visit this site I to found myself in such a dark whole at a silly age and…
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student with a BIG credit card bill
hello all. i recently went back to uni after working for a couple of years. during that time, i have built up credit card debts of just shy of £4700. my interest is a mad £75 a month. i know i need to switch to a 0%/low interest card, but i feel backed in to a corner, because i'm not really aware of many options being open…
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Advice please
hello, As my sig says I had a £1, 500 OD with HSBC. Ive finally received my student loan and its cleared it to £216, I really dont want to get it back at that level ever again so how should I go about budgeting etc. I have pretty much given up working part-time for awhile at least as I was struggling to keep up with all my…
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Quick question...
Hi guys, just a quick one. i had an overdraft with barclays that i paid off about a year ago after defaulting on it. i just got a copy of my credit report and the default shows-which i understand because they stay on for 6 years don't they? the only thing i'm worried about is that an outstanding balance of £66 is showing,…
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Ok here is my story.......
Hiya I have just had a lightbulb monent (Im 28 by the way and in full time employment in a resonably good job which pays not bad) after reading these pages for the past few weeks I have decided to bite the bullet and post my story and see if anyone can offer any help / advice etc. Its a long story how I got into this…
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Minimum monthly payment on DMP
Hi, Just a quick question with regards to the minimum available payment to set up a DMP either with payplan or CCCS - how much is they minimum required to set up a DMP plan?? I have been looking at a few figures on the Debt Remedy as my income is not fixed at the moment, and it appears to say I need to arrange a reduced…
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requested cca from marlin for 5 accounts.....
hi all we requested our cca's from marlin last week two letters from marlin have arrived today the first one dated 3rd nov stating ' with reference to the above account,and in reference to a letter forwarded to us from tessara, we have noted the contents however to enable us to proceed with your request please forward…
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Short time lurker, long time money owe'er!
Hello all just thought i'd finally say high to you all. Been reading the various posts for a while now but only recently joined and plucked up the courage to say hello. I havent done a SOA but compared to some of you my debt is pretty straight forward. Cap one plat CC - £6003.57 B'card - Payed off last month after sale of…
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newbie in this section looking for advice?
Hi, I did post a similar question to this on credit card forum but only 1 person answered and was really looking for more advise and guidance. and i will explain a little more. I have a lloyds tsb mastercard which has about £4k on it. I was looking at the tesco card to transfer the debt too. it i2 2.9% transfer fee and is…
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DMP updating balances
Ive got a DMP with CCCS and just got a password for managing my DMP online as well. My balances for each creditor have changed slightly since a month ago, should I ring to tell them or should i do it myself online? Didnt know whether it was best to ring or if works just as well doing online myself. any one do it on line?…
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Travelodge £9 sale started already
I remember reading a few on here wanted rooms for £9
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Which DMP do i go with???
im going to start a dmp shortly but the choice of companies to use are too many. i dont want to go with a free dmp as i feel they wont work as hard as one's i pay. plus i have worked out that i can afford to pay over 50% to each and pay it off in 5 years max. thanks for any ideas:money::money:
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can i still get payment protection when on a dmp?
with the current financial market i was wondering if it would be a clever idea to have ppi (an independant one to protect our debts) incase either me or my husband lose our jobs? does anyone know even if i can get ppi when on a dmp?or if it was worth it? sorry if this is a very dumb thread i just am a little confused!
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Aktiv Kapital default
Hi Guys, Aktiv Kapital have just defaulted my credit report. The original creditor had already defaulted me and it had fallen off my credit report a year or so ago. I know AK can not default me again for the same account. Is there a template letter to sort this out and who do I write to? AK or Equifax? Many thanks Judy
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DMP - quick question
Hi all, We've recently entered into a DMP, and whilst it's still early in the process companies seem to be listening. However we've just had a letter from MBNA who have said, whilst they will be receptive to the plan, that it will be recorded on our credit file for the life of the repayment and then 6 years after it. Is…
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The First Good Day
Firstly, thank you to everyone who's been giving me advice on this forum over the last couple of days. I'm going to be taking up a debt management plan from either CCCS or PayPlan. As the first step, I've just been into town to switch banks. I've gone with Halifax after stumbling over ID with Nat West (no driving licence…
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debt free wannabe, baby on way, inaccurate creit report
Hey all, firstly :T to you all. You've made my life sooooooo much easier over the last few years so thank you. Secondly, I hope this is in the right forum? So I've just viewed my credit report for the first time in several years and I have an account with Black Horse (now closed thank God) that shows a massive ammount of…
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E-bay queen is gonna clear her debts!! This time i am!!!!
Hello Everyone, I been chatting to a friend on line and she in debt too. Her hubby lost his job yesterday and she worry as hell! :( May me think bout my life money work and hubby! We have over £29,000 of debt which need to go asap. Our smaller debt is for jacamo for £75.00 Which i want to clear asap. Everything i sell on…
