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Tues 15th September - 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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Worst thing I could have done changing jobs
At the moment my outgoings and direct debits are very high meaning not much spare money at end of each month, I sell Avon and things on Ebay, things weren't going to well for the company I was previously working for so I thought I would find another job, I had already gone as high as I could in old job so I thought find…
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BIG Debt - Enough disposable Income - No help!!
Hi, Usually use this site for vouchers!! Great site isn't it but.... I moved home at the height of house prices to a property which, in hindsight, was a little out of our price range and needed refurbishment. This was two years ago. The refurb was completed in 19 weeks - to plan but not to budget!!! Now I am left with…
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Credit Rating / Available Credit
I wonder if anyone knows what effects having unused credit available has on your credit rating as opposed to cancelling the cards? Current c-rating is good and I want to maintain it. I've used CCs for years, and have recently cleared all of them bar one, which is a 0% interest Virgin one with my last outstanding credit on…
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my soa
Hi,over the last couple of years i have got myself into 30k worth of debt,never before have i been in anything like this mess.I am self employed and am currently living back at my parents which although cheap isn't ideal (i am 34 and need to get a place of my own). With me being self employed my income can vary quite a lot…
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Consolidating a secured loan
Hi guys, wondering if anyone could help? I'm trying to help sort out my girlfriend's finances, she has a secured loan for roughly 10,000, a credit card for 4,950 (over its credit limit by £500) and overdraft We've applied for a tesco secured loan but we're declined and have spoken to Freedom Finance but they can't help due…
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Debt help!!!!!
Hi, I have sent a payment to a debt collector and they have accepted. there still saying they are going to pursue further collection via bay lifts, even thou they haven't got a court order or anything. Are they aloud to pursue after they have accepted the payment.?
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Attachment of Earnings & bailiff serving form N61
I started a thread earlier regarding a problematic ccj I have, and how due to the length of time which had passed, I wasn't sure what had been going on. Anyway, I've found out today whats happening, and I'm pretty worried. The local county court have confirmed that papers & form N61 are with the county court bailiff to be…
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Need help with a phone bill debt
Hi, first of all, thanks for looking. The story goes... I lost my sim card and failed to report it lost/stolen in time. During the time that it had been lost and the time which i reported it, several calls were made to saudi arabia and pakistan, racking up a bill of £600. I called orange and said that i did not make the…
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Old debt help
I am after a bit of advice on a letter which my wife received today. The letter was from Department for Work and Pensions Debt Centre. It states she owes £*** and they are going to start taking deductions from the money she gets paid each fortnight (she is currently claiming Jobseekers allowance). She phoned them up to…
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Co-op Bank and Smile
Hi all, Anyone having any problems with the Coop and Smile Bank not answering letters? The reason is that back in May I wrote to the banks advising them that due to a diagnosis of a heart condition that I was unable to work and that I would be unable to meet my financial commitments to them. That being a small overdraft…
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Redundancy and Full & final Settlements
Hi All, I'm not sure if this is the right place to put this but I'm getting very frustrated right now and I could do with some information or suggestions from other people who have been in the same/similar situations. Brief Background to my situation. From February until August this year I was off work with severe…
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Go Interest Only to avoid IVA?
Hiya, My husband and I are looking at doing an IVA after speaking to CCCS it looks like our only option...however, if we go to interest only on our mortgage we would have a further £400 per month. So my question is should we go to an interest only mortgage and then set up a DMP with our creditors ?? To me this sounds like…
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Debt free shortly - long term implications?
Hi all, I have had a difficult year and learned the hard way that good honest working people can fall on hard times and end up with endless bills that can't be paid. On the plus side, things are now looking up, I've been healthy for 6 months now and am back earning again! I have spent the last 3 months clearing credit card…
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Is it true?
Sorry if this has already been posted Is it true what some of these debt management companies are saying? ie. If you pay us a loan we can get most of your debts written off due government legislation. We have contacted one by phone and they said if you pay us (I think it was 80 quid or something) then we can write to your…
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What Now!! (NEWBIE)
Well here goes nothing!! Im a married mum of 3, in £5000.00 Debt, doesnt sound that bad, right? WRONG!! Im currently on maternity leave till next month, bringing in £1045.00 a month, which is including a disability supplement as i have a mental disability aswell. Then youv'e got the wages from (2 JOBS) and tax credits for…
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Old debts
I need some help i am 35 years old and my life is all over the place, a year ago overnight i went blind and paralysed, spent a year in hospital and 6 months in rehab, i am now in a wheelchair buty sight has returned, while trying to get things on track i was going thr ough my mail and paying off debts but i received 2…
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Normal Practise
I have been speaking to my credit card company or the people who are dealing with the debt at least today, they say that they cant take a payment from me as i dont really have any money spare after outgoings so are going to pass it on to a company that buys debt, therefore i am going to have to go through the same process…
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full final settlements BOS and Cahoot
Hi all I've got debts of £24000, £12000 + £6000 to Blair Oliver and Scott from a Halifax loan and Credit Card, and £6000 to Cahoot, one of their flexible loans. It looks like I'm about to get about £21000 from an inheritance soon. Does anyone have any experience of making full and finals to these organisations, any advice…
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An introduction and the start of turning things around...
Hi everyone I've been lurking around here for a while now making futile attempts to save money and deal with my finances. The penny has finally dropped (no pun intended!) with me that I need to take the bull by the horns so to speak and get things sorted once and for all. I've bimbled through life for years with a very…
