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Wednesday 22nd daily chat-they think it's all over!
Well, it's my last day on the school run-any one else?
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Wednesday 22nd July - What small DFW things have you done 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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HSBC Loan - variable interest
Dear all, Recently I got a loan quote from HSBC to combine my previous 2 loans and a credit card (6300 GBP) - in total GBP13,360. HSBC has quoted for 7.8 % which is variable based on the bank of england base rate. the loan is for 6 years with monthly payment of 228 GBP, since i can afford only this amount monthly. I am yet…
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Desperate for advice . . . .
Evening all, We are in need of a helping hand and dont really know where to turn. Since being made redundant last year just after my OH went self employed we have been fighting a losing battle. Towards the end of last year recession started to bite and OH business started to suffer ending up with Jan - Mar this year with…
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Victim of fraud
Hi, my friend recently checked her credit file and found a debt from studio catalogue on it at an address where she have never lived 300 miles away. I believe this debt has been got in her name, using her details etc but in some one elses address. It is for £350 Is she liable for this debt, what can she do about it if…
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My bank has sold on my debt without giving me any warning... are they allowed to?
Hello Im new to here Im searching the web to try and find information about the below My bank has sold my debt on to a debt collection agency. They didnt give me any warning. I only found out about it as i noticed that a payment had been made into my account by an unknown creditor, i phoned the bank about it three times…
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Now we are even Poorer SOA
Ok have finally bitten the bullet and done a revised SOA, well have started it and I know it needs tweaking so here we go :eek::o Monthly Incomings: My salary - £450.00 Partners salary (JSA) £278.63 Child Benefit - £80.00 CTC - £89.27 Housing Benefit - £624.22 Total - £1,522.12 Monthly Outgoings A: Essentials Mortgage/Rent…
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Dumped by CCCS?! Help please!
Hi ok long story short, month ago got a letter from cccs, unopened and shoved inm y bag with rest of mail to sort later. That day I left my bag on train with purse, phone etc, grrr, wasn't handed in. I am an idiot and have baby brain. 2 wks ago I remembered there'd been a letter from cccs in bag so I emailed them to say…
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Full & final settlement & priority debts
Hi all, To cut a long story short, I was recently landed with a very big council tax bill after an ongoing dispute with the council. They gave me a week to pay (!!) before passing the debt to a DCA. The DCA are now demanding £50 per month to pay the debt which is a lot considering my income! My brother has offered to pay…
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Where do I start?
Need a bit of advise please! Ive ignored my debts for over 2 years when I got into trouble , lost my job and had depression but I wont get into that . The thing is I haven't heard anything and not sure where to start in repaying , the original debts were with capital one and natwest but im sure they would have moved on…
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Yes Car Credit and debt i dont agree with
First of all, hi all :j Ive lurked these forums for various answers about all sorts over the years. Im sure a lot of you are aware of the company that used to be Yes Car Credit? My problem is after buying one car from them around 6 - 7 years ago, at the end of the 3 year payment period i traded it back to them and bought…
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which one first?
Ive got £500 woo hoo. Needs to go a visa :mad:!!! but which one do I pay :confused: Halifax has £455. Intper month approx £7.00 PPI approx £3.00 Tesco has £1590. No interest however PPI is approx £15 a mnth My job is a bit unsafe so Im keeeping the PPI just incase
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how do you put the box thing at end of signature?
Hi guys know this is nothing to do with actual money but i would really be able to add a signature with the debts I have and cross them out each month and add new amount (if that makes sense) - some people i've seen on end of messages have added all their debts as their signature and payments made - think this would really…
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will this ever end my debts
:hello: I am just getting really down about my debt situation and now it is starting to make me very ill and depressed. I have been out of work since Nov 08 when this happened I was on the phone straight away to hsbc explaining my situation at first they was very helpful in putting my account on hold for me for 3 months (I…
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Reducing APR's
Firstly I would like to says thanks, I am still a long way from being debt free but some of the advice and encouragement from this board has really got me going. I am now at the point where all my debt is on credit cards and an overdraft. The problem is that my CC companys have upped some of my APR's, I don't miss payments…
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What is wrong with me?
What is wrong with me? Why can't I get a grip of my finances! I never seem to get very far at paying things off! I just keep falling off the wagon and it's really getting me down! I have a resonably well paid job - but have just been offered another job - which is a higher band but slightly less money as I currently work…
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When you go to court for debt does interest stop?
Hi, I was reading on the national debtline website and it was saying that one of the few positive aspects of being taken to court by one of your creditors is that the interest will be stopped. Is that always true or does the judge have to declare or we have to ask for it? We went to court in february with Northern Rock and…
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DMP and re-mortgaging
Apologies if this has been asked before, but I am think about starting a DMP with CCCS, due to redundancy, but in Oct 2010 I come to the end of my current fixed rate mortgage, ideally at that time I would like to fix again, but I am think I would have limited options due to being on a DMP. My redundancy payment will allow…
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DFW newbie saying hello!
Just thought I'd say hello to everyone as I've been reading this board for a couple of weeks now. My husband and I have managed to accumulate close to £30k worth of debt over the last four years for a variety of reasons. We currently owe: Barclaycard £12,400 - 15.9% Northern Rock loan £12,000 remaining (give or take some…
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Statute Barred
Hi, I'm helping someone with thier debts and we have come across two accounts which we think are statute Barred. Do the letters have to be sent recorded del or can I email them in? Only cos I have no ink in printer at mo. Regards
