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Somethings gotta change - ME
Hi everyone I have been a member for a few months now but this is my first post. I love reading all your diaries and feel like a know you all already. Anyway the reason for my post is basically I AM FED UP WITH ME !! I have recurring thoughts of " whats it all for" and that s not good so I need to get my butt in gear and…
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23/02/09 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 thread *23rd Feb 2009
Morning everyone I am a bit more with it today after last night:D been for a recovery run:eek: which i did not feel like but having been told to by my personal trainers over the weekend I have to I did....before anyone thinks 'total nutter' it was 10 mins round the block...but actually the stiffness has gone now.... So I…
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A little bit of advice
Hi, this is my first post and this seems a friendly forum. I've just started a debt managment plan with CCCS and about to make my first payment. I've followed the advice they have given me (if anyone from CCCS is reading this, you lot are great by the way :o ). The only thing which is worry ing me slightly is that I've got…
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Show off!
Hey all, Just wanted to show off my new sig now that I'm officially in the club - time to start posting regularly now me thinks, lets hope that they are more substantial/helpful than this thread tho! iNoob
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CCA Advice please.
Hi guys, (This is one of my first posts, so please be gentle!) Love the forum, what an upbeat, supportive bunch you all are! I hope to help out others similarly when I get a bit more experience myself with all this stuff! Brief history of me... I have (stupidly) run up debts of about 23k and have been on a DMP with CCCS…
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how is everyone else coping
Hi am new to the site, and posted a thread in the wrong place so i hope this gets to all you lovely people out there who are coping and paying back their debts:T I have about 18K on credit cards and 15K on a bank loan, have fallen behind with mbna credit card and have asked them to lower my interest rate so i can catch up…
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Please can you help me cut my expenditure?
Hello. I would like some help on cutting down our expenditure, please. There are just the two of us (and a dog) at the moment, but we want to start a family soon so I want to cut down as much as possible beforehand. We both work full time and can't afford to stop work, so we're going to have to pay for full-time childcare…
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Equifax & Makenzie Hall (Partnership)
All, I have foud this site very useful. I have read the threads and used all the advice. I have got to the point where I cannot find a direct response to my question. Makenzie Hall is a debt collecter based some where in Cardiff. They have been chasing me for years (about 7 years). I have completely ignored their letters…
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The Mad March Hare NSD (No Spend Day) Challenge!!! ***Sign up HERE!!!***
Ok guys, with only a week to go until March begins, the time has come for me to step up to the plate and start the challenge.... so here goes!! Firstly, the rules: * Well thats easy, you make your own rules! * What you do/don't include is entirely up to you. I personally do not include debt payments or DDs from the bills…
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ccj please help
We originally had the tesco loan in joint names,they have since passed it to Incasso, {btw have been paying all our debts for the last 2 years with cccs on a dmp} Tesco sent us notices to say we had arrears {which we would because we havent been paying what they want had we not been on a dmp} Incasso then sent us court…
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Help in replying to Credit Cards
I am trying to agree a brief period of token payments with my Credit Card Companies having been advised to do this by CCCS. Some have seemed helpful on the telephone but have sent me what appear to be Default Notices asking for full repayment and some are asking for a full list of my Creditors including all amounts owing…
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Breaking Point
Not sure if anyone can help, i think i just need to get things off my chest and into black and white to make them real. We started a DMP in november last year, but haven't had a month to get "straight" and build up some savings. Nov someone drove into the back of us - we are still waiting for the ins claim to settle. Then…
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Question Re bank charges (appeal etc)
I have just read in one of the sunday papers, that the appeal ruling will probably be on Thursday (from Martin himself) Anyway, it got me to thinking (dont know why this didnt occut to me before) When I sent my letter to Sharklays sking for a refund, should I have asked for my statements at that time, or was it up to them…
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Settlements
Help needed please..I have defaulted by about 3 months on Aqua Card £2200 Capital One £1150 Vanquis £2150 Nat West £710 I would like to settle in full these accounts but what should I realistically offer them for these debts?? Thanx in advance
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Virgin Credit Card - Members points - what can I do with them?
Hello all, Hope your DFW debt busting quests are going very well. If nothing else, hope the lovely weather we've been having has been a bonus - plus its free! My Virgin Credit Card statement tells me that I have over 5,000 points to spend in the members shop. But I can't find any mention online of the members shop (least…
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MBNA - Urgent Help Needed
Hi, This is my first post on this message board so plase be friendly! Basically, i moved into my first house at the beginning of 2008 with my Girlfriend. With all new bills and a mortgage to pay, i have slipped behind on my 2 MBNA cards. I continue to pay my mortgage and all household bills and also keep up payments on my…
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Full and final settlements
Hi All, Can anyone point me in the right direction to get a letter template for offering full and final settlements to my creditors. Thank you in advance. MM 2
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Third time lucky...
Ok so I'm back again. Below is a SOA for March, it's very vague because I actually have no idea where my money is going. I live at home with my parents so have very minimal outgoings, but for the next month I also have very little income. I am happy to answer any questions and really need your help to get a grip of my…
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Ditching the car?
Has anyone gone from being a car user to be car-less in order to save money? I wouldn't do this at the moment as I have to get to work and back, however, when I go on maternity leave I was thinking of selling up. We'll still have OH's company car. To be honest, when I'm at home with my LO I tend not to use the car, instead…
