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Tuesday 17/2/09 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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Tuesday 17th Feb.....hop on board DFW daily Chat
Morning all:hello: Early from me today as i have been awake half the night:rolleyes: Going swimming today as i didnt go yesterday. Still dont wanna go but i suppose i better keep DD happy. Luc Bean dropped yet?:confused: Anyways see you all later
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unenforcible debt - really?
Hi all, After another year of worrying sick and yet another sleepless night I'm ready to kick my debt where it hurts - for once and for all. I have three credit debts and an unsecured loan, all of which have have been sold and done thier rounds with DCA's. I've been reading some fantastic and very clever advice from peeps…
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Joint account in O/D with ex, can't open account 2 move o/d due to 'debt management'?
I've a joint account with the ex which is overdrawn. The remainder is mine which I'm paying off. Haven't payed any off recently due to having a baby which involved a long stay in hospital, so had a few 'nudge' letters. Anyway, ex on my back as our divorce has just come through & he wants to set up a joint account with his…
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cccj and redetermination
Tesco passed our loan debt to incasso who in turn got onto northampton court re a ccj. We were paying 154.00 per month ,we have for the last 2 years, but that was not enough. The ccj came back that we had to pay 324 a month,ridiculous.We have written to northampton cc and asked for them to look at it again, they have sent…
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CCA advise required please
Hi all, I sent off CCA letters at the beginning of January for a loan with Lloyds and credit cards with Lloyds and Co-op. None of them responded within the stautory time limit which put all the accounts into dispute. Since then Lloyds have sent me a copy of the loan agreement which seems enforceable - I wonder if someone…
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The only way is up
I feel it is only right to share my joy with MSE!! This month I have not only reached the milestone of paying of £10k since my lightbulb moment in 2007 but today I have found out that I have passed my accountancy exams. I want to say thank you to everyone on this site. There are some truly inspirational people on here and…
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Subject Access Request letter - where is it?
can anyone please point me in the right direction for the letter, i can't seem to find it. Also, i'm not sure if anyone has any experience of this but I am about to do a SAR for a deceased person who I am acting as executor for. Apart from sending the court document which gives me power of administration is the process…
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Wescot Post Card
Quick bit of advice please, Just got a blank (not the picture type lol) post card from wescot credit services addressed to "the occupier" asking to call them quoting a reference. Should I call them or just ignore it? Thanks
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I'm now debt free - Thanks Money Savings Expert.
OK, as of friday, I settled the last unfightable case (at a nice 70% reduction ;) ) and have now finally dealt with every single debt. I am now debt free. I even have savings:rotfl: I remember back in 2007 when I thought that would never be the case... So thanks, money saving expert, and all the people on this board, I owe…
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tweaked and tweaked SOA - please help
Had some good advice so far and have redone my SOA- please tell me what you think. I am thinking of debt relief order as i would qualify i think - no chance of repaying, under £15k etc. What do you thinK? Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number…
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Credit report issues..! Advice needed...
Right so I'm now virtually out of debt and am now setting about cleaning my credit file... There are two issues with it that bother me... I defaulted on all my outstanding credit in early 2003 and have paid creditors off over the next few years. Most of the creditors defaulted my accounts except Capital One... They simply…
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Cold Caller
Hi there, this is my first post so i thought i'd better give some background before i pry you all for knowledge. I came out of Uni with an obserd level of debt like most people, however thanks to places like this and a steady if not spectacular job im gradually clawing my way out. I still find it hard to stop spending but…
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My Soa
Could you lovely people have a look and give opinions please, myself and hubby are going br in the next couple months am in process of failing IVA at the moment total unsecured debts are £65,000 were paying £345 to the IVA but since we had to move rent doubled as did council tax etc so no way could we afford it.does the…
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Orange debt what do I do?
Help! I have 2 orange accounts both in my name (stupidly took one out for partner) and we have since spilt. One of the accounts have went to a debt collector it is about £500 in arrears. I am a single parent and only work part time but they have threatened to start legal action. Can only afford to pay about £15 per month.…
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My SOA for my new job and new house
This is the first time posting an SOA. I've used it to look how my money was before, but never posted one. I will be moving to a shared house, so the bills at the minute at estimated. I'm currently about to start a new job working at a cinema (minimum wage in London!). The only problem is the hours won't be consistant. At…
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How the Credit Crunch Began...
This is an interesting video from a few years ago and was probably the beginning of what we're in now: http://www.youtube.com/watch?v=kNqQx7sjoS8&feature=related
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What to do with these defaults
Hi I made a lot of mistakes when I was younger with credit and now my credit files are a mess. I realise this is fully my fault!. I'm repaying 3 of 6 defaulted credit accounts. They all defaulted around 2004. Luckily I have no CCJ's. I'm now quite stable with money and have a subprime credit card and loan as well as a…
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Barclays/Woolwich
Trying my best but like most on here struggling. The majority of my grief comes from the nice people at Barclays. Just wondering if somebody can give me some advice. I am currently paying a couple of hundred pounds extra a month on my mortgage as I missed a couple of payments. The Woolwich kindly agreed to let me. Anyway…
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Arrow, Global, Unenforceable Agreements and Charging orders.
Hi This is my first post and under a little stress at the moment, so apologies if I ramble. Last year I received correspondence from Arrow Global relating to a debt that they had taken from Marlin. The letter advised that they were going for a judgement (claim form etc). Judgement was granted in default despite that forms…
