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Tuesday 24/2/09 What small dfw things have you done tody???
: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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feeling extremely low !!!!
My head is spinning today just got my pay slip and found court order for £256 on it that i knew nothing about !!!! am just ready to sign for house and hoped to somehow use the house to raise enough to clear debts think i'm gonna have to ring CCCS or something, just split from wife and she left me with 42 k of her debts…
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help dont know where to turn
recently my husband and i decided to split. we were already findng it hard to make ends meet and were using overdrafts to survive. we are currently still in same house as im trying to get deposit to move into private rented. i let tax credits know situation which has now sent me into panic. today received letter saying owe…
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Cash Or Bricks And Mortar
Long story, but my brother and I did very badly out of my mum's will, not that she did it on purpose. One factor was that although my mum left her half of the flat that she lived in with her sister Ada to John (my brother), and I, she put in a clause saying that Ada should stay in the flat till she died. Ada has two…
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DMP and mortgage break?
We are currently in a DMP with CCCS, I am just wondering if would be able to have a mortgage payment break (the CCCS advisor said we should save them for if we're in difficulty) We have a together mortgage with Northern Rock. We have a holiday booked and paid for (pre-lightbulb moment) and planned to use a payment break to…
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Not had a good day but debt is moving on!
Hi Not had a good day really, lots of changes at work, and although my job looks safe for the moment a very good friend is being made redundant. This will have a long term effect on my role, but I will overcome (I think :eek: ). Anyway, came home this evening to find a bill from M&S - £670 owed on 16-Dec-08, and if I pay…
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Mackenzie Hall problem
Hello all, first off: thanks for having me.. This month I have recived two letters from Messrs Hall DCA's. They stem from credit a card debt I aquired round 2002, I was really ill with mental health problems and am only just now starting to take control of my life again. So recalling all the old details is next to…
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capital recoveries - DMS help please
HI All, I've received letters from DMS Capital recoveries for an outstanding debt they say I owe (£4616.30!!) First two letters via post. then 2 hand delivered last week whilst I was away. Then a knock on the door this evening (I didn't answer) and a letter pushed through letter box basically saying that they have tried…
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Panicking.....please help
I hope someone can help me, now freaking out a little.... I am married, we have a joint account, joint savings, etc (not with any of my creditors), unfortunately my wonderful husband does not know about my situation, but now I am really worried that if I start getting defaults on my credit file, this will affect his credit…
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Wanting to be debt free and improve credit ratings.
Hi everyone :hello: I have been lurking on these boards for a little while now and have finally started to deal with my mounting debts. I have noticed that over the posts I have been reading I have noticed that everyones SOA's are for people who are working. I am currently a carer for my husband who became quite ill last…
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Declaration of Trust
Hi there I could use some advice regarding a Declaration of Trust document. I split with my ex in 2005 & he moved out of the house we jointly owned. Rather than sell the house I took on a remortgage in my sole name and bought him out for half the equity (40k) I could only raise 30k so for the remaining 10k a Declaration of…
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First post... Big debts... How to move forward?
Hi, First of all I would like to thank you all for the advice you have given me in the past without even knowing it, I have been reading posts on this forum for while and it has helped so far. Now I need some more direct advice. Basically I am 25 now, when I left school I started on an apprenticeship and was earning next…
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Credit card companies and debt...
The short story is - my mother has just revealed to me that she is in horrendous debt. At first she told me it was 20K. Fine. I sat down with her and we went through each card/loan/od - and it amounted to 30k. Ok. I got her to contact CCCS and talk to them and get some advice on how to pay. I read their booklet, which…
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CCA help
I sent £1 to my creditors for the CCA's, theres 4 accounts and 2 have sent me what looks like photocopies of my credit agreement which has my signature. The third one looks like a photocopy of my online application not a credit agreement. The last one couldn't find the CCA and agreed to write it off. all the debt are from…
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The adventures of Mr and Mrs Doomcow (to be)
ok so ive been around for a while now, trying to help out with advice and a few straight talking words here and there, but i havent really introduced myself. My OH has been around these forums for a while now, probably 6 months - 1 year and despite his daily efforts it took me a long time to join. I started out with £1000…
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Where do we start ?
Hi, My husband and I are in need of some help, I have been refused credit today for a mobile phone contract. We know we owe out alot of money ( 41k:eek: ) but we are just about managing to keep up with the repayments for everything, although for how long I don't know, my husbands work has been slow for the last couple of…
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Husband's Big Debts!
Hi Hope I'm on the right board & someone can help me! My husband has built up some substantial debts on his credit cards. From what I can find about £20,000. As well as this he has taken an 8 year unsecured loan for £17,000 to clear past credit card bills. I'm worried sick about these debts as I was brought up to believe…
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Clear overdraft with new account
Hi there. I have a £1500 HSBC overdraft which I have been in since I was a student (I am now 23)This account is £1000 interest free and low-ish interest on £500 of it. Plus £1300 on a Halifax credit card. Which is interest free for another 8 months. Obviously I want to clear this debt asap. In was wandering wether anyone…
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Link financial/MBNA
I'll cut a very long story very short. I SARd both Link and MBNA as I figured they would have different paperwork - also asked for CCA. I have received paperwork from both - but quite a lot of what I ashed for is missing e.g. copies of NOA, Default Notices, Letters sent to me. MBNA sent a copy of the original Application…
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So im taking the first few steps towards becoming debt free...
So I've arranged a DMP with PayPlan thanks to your advice on here. Thank you so much for that guys and girls! I'm awaiting the paperwork to come in the post but can i start telling the people that are chasing me for money to contact PayPlan insted? I know some of you are or have been with PayPlan before, do any of you know…
