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28th/29th Weekend "What small dfw things have you done??? thread.
: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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**The going nowhere Weekend Chat Thread 28th March 2009*
I am so sad aren't I....Happy not to be motoring up and down the motorway for once!!! I have OH home all weekend, and if I can get him to put his laptop down for five mins and stop working I am hoping to spend a nice weekend at home doing nothing together.....(I like that - he will want to go out somewhere I am sure!)…
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How Do I get 'debt' markers removed from my credit profile?
Hi, please can anyone help me. My partner and I are trying to purchasing our first home and have come across a problem with trying to get a mortgage. The lender we would like to use has advised us that on one of our credit reports shows a missed payment to a loan or similar. Neither of us can think of anything recent, but…
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Jbdr
Anyone else having difficulties with them? Cannot get through to them on phone - I have e-mailed them and still no response.
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Rec'd letter regarding my cca request
Hi all, I sent my request for the cca to connaught collections and received a letter from them today saying that they have requested the information from their client (1st credit I assume) and they will provide it to me as soon as they are in receipt of it. They go on to say, "I must at the point advise you that due to the…
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Advice on clearing CC debt
Can anyone advise how I can deal with CC debts I can't afford to keep paying?
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s.o.a. ?
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 0…
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newbie question
I'm just on the road to actually starting to think about my finances (properly) and was wondering what advice the more experienced MSEs out there could give me on what to do with my ISA. I have around £8K invested in a stocks and shares ISA that has probably lost a bit as expected over the past year or so. The question is…
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Paypal troubles-help!
I sold a game online to someone, they paid me through paypal. Everything went well. Few days later, BAM chargeback and now I have a negative balance because I used it to purchase something else. My account is not verified and it's not linked to a bank account, HOWEVER I did put my credit card on it because I wanted to get…
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Credit report - defaulted loan
I defaulted on a loan more than six years ago. I've actually been paying on it since then with a voluntary agreement, just not the full amount. Because the loan was defaulted on six years ago, it has now completely disappeared from my credit report. Does that mean I no longer have to keep paying? If I stop paying, what…
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URGENT URGENT help!!!!
I have just checked my bank statement as usual and seen a payment taken out by Highstreetmax.com for £14.95. I immediately rang the bank as I have never heard of them and didn't authorise the payment. I'm worried it's a scam of some sort or someone has my card details!! Any help greatly greatly appreciated. I'm scared now…
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Questions about credit reports.
Hi I have recently signed up to get my credit reports from experian and equifax and to my surprise a large number of previous debts that I've 'dodged' :o are not listed :confused: Someone told me that if they are 6 years old they are taken off my report, so how do i pay them or does it mean it's written off.
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Changing tracks?
Well i don't know how many of you listen to Jo Whiley but she does this feature called Changing Tracks where people pick a song that made them change their lives. With us lot having "light bulb moments" all over the place I wondered if there was a song you could link to that moment? For me it's Run by Snow Patrol (NOT…
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Eversheds Letter
Hi, My dh has today received a letter from Eversheds regarding an MBNA account, saying we owe £225. There client is Arrow Global LLC. They have said we have until 3rd April to pay or they will either take us to court or send a debt collection agent to us. Not sure what to do, as dh is on a DMP with CCCS and this was not…
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*** HELP! Ex in financial mess, debts in my name***
Need some advice, my ex and father of my little boy is in a financial mess after being made redundant. He's in arrears on so much, and has £10k on my credit card. I think an IVA or DMP would sort him out, but am unsure if he can claim the debt he has on my cards as being his?? (I also have £5k on my cards too) Anyone have…
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Light at the end of the tunnel- Finally!!!
Back in 2001, i was living in Kent and went a bit mental with credit cards & credit purchase schemes to say the least. I also had a 15K loan which i took out in 1999 when i was in the forces,which was costing me 500 a month. After i left, was not earning much so decided to apply for some credit cards to make ends meet. I…
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identity theft hell!!!!
ok so long story made short... my brother, over 7 years ago, used my social for a few items... cell phone, maybe a card... he has since gone to prison for other items of the sort, done his time, has been released, married and has straightened out his life... HOWEVER!!!! I was recently turned down for a loan, so I pulled my…
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New credit card/loan - should I apply?
Hi All I posted a while ago saying I'd tried to get additional credit from my bank at new year and they'd turned me down. Since this date I've been working hard to try and improve my financial situation. I got my credit report, had myself disassociated from my ex who had bad credit, managed to get an old credit account…
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APRIL make £10 a day challenge ~All Welcome~
Hello to all newbies & regulars and welcome to another Make £10 a day challenge :easter: I know this first post is long, but please read it as it gives tips and info on how this challenge works! Batgirl started this challenge over a year ago and is now taking a well deserved break and thanks to JesaRose and Mizmir who also…
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Charging orders - OFT Want To Know - Deadline is 30th March so please read now
Have you recieved / under threat of a charging order? [EMAIL="charging.orders@oft.gsi.gov.uk"]charging.orders@oft.gsi.gov.uk[/EMAIL] Submissions should reach us by 30 March 2009.
