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Saturday 26th September - Daily Chat - kettle's on - bring your own biscuits!
Morning all - Hope everyone is fine today.... taking erin off for a football match right now, not sure what else is on the cards.... will catch y'all later!
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Severe Debt!!!!!!! Very Complicated What Can I do?
Hi I am hoping that you will be able to advise me what to do. Where do I start..... I had approx £125,000 of debt on Credit Cards & Loans. My partner has transferred £23,000 onto his cards in his name & took out a loan of £14,000 to try to help me out. My current situation after the above is that I have -Debts on Credit…
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Saturday/Sunday 26-27th weekend - 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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Agreed to pay bank xx amount each month to clear debt - does this have 2b automated?
I agreed to pay bank xx amount each month to clear debt - does this money to be paid have to be automatically taken each month from another account, or could the bank (halifax) agree to have it merely paid by the set date into the account which holds the debt, in any form, eg by cash? Or this something that different banks…
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i have a few questions about a dmp....please help?
Hi i just have a few questions to help my bil who has just started a dmp... Does a dmp show on your crdit report?? Will it effect and other chances of taking out credit?? Also will it effect when they renew there mortage?? How long after they have completed the dmp will it show on credit report (if it does show)?? Thanks…
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What do the abbreviations mean
Hi Can anybody tell me what the abbreviations mean that everyone is using, and /or were do you find them? i.e. cccas, soa etc. Thank you
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Advice regarding debt management plan
Hi i was looking into starting a debt management plan to sort out my debts. I have hire purchase on a car though and was just wondering if i needed to include this in the debt management plan or could i leave this out and just continue to pay the full payment and keep the car as is needed for transport for work? Also would…
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Food budget?
I am a DFW and MFW all at the same time :-) I have just sold our second car wahoo so those expenses have halved....now just working on the rest of my budget!!! I did originally budget £70 for food and cleaning products/toiletries a week, for me my husband and my 1 yr ol. Does everybody think this is a reasonable ammount or…
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Formal Demand from Northern Rock - scared please help!!!
Today my oh received a formal demand from Northern Rock for a personal loan he has with them. Basically says his agreement has been cancelled and he must pay the o/s balance of £6548.27 immediatley. The loan has arrears of £362.67 on it and he has cancelled his DD as each month it bounces and we get charged £35 from NR and…
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Weekend jobs - sharing knowledge
Hey everyone! I need to face the facts that I need to get a weekend job as I am in debt and my Monday to Friday job just isn't making any inroads. I have done it before and I will do it again but I thought it would be useful to share knowledge with anyone in a similar situation. So obviously I wondering about how to get…
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Help with a surreal world
Hi everyone, I have just joined this board and need support as much as help. My name is Paul BTW - non Nanny. :) Until this time last year, I would have considered myself to be fairly well off and in control of our finances - then, along cam HBOS to screw my bank or 15 years or so - LLoyds TSB. We run several businesses…
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I did a silly thing...
I er, bought a car. Brand new, really very shiny, but five thousand of my finest GBP. Even worse, the best deal I was able to work out was, wait for it: 22.5% APR Yeah, I know, I fail. Fortunately (!) I put some on a CC, which is 0% until June. I've got some savings which should blast through that come March, when they…
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Please help redundant and dont know what to do
Hi everyone I havent been here since our house was repossessed in Feb 08. After losing everything my husband is now being made redundant which means our income is NIL. I have been onto all the relevant sites to try and find out what we will be entitle to but its very confusing. We are renting privately at 850 per month,…
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Help being stung by interest.
Me and my partner have credit card debts of 25000. We can pay back 500/month bu due to cards being around 20%apr we are hardly clearing monthly interest. We have average credit rating but cant get balance transfer on this amount. Dont know what options we have but feel we will be paying this forever. Anyone have any advice…
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Urgent Advice Needed - wonga.com
Hi I have decided that this month is the month where I get off the merry-go-round of wonga.com. I haev cancelled the card that is associated with my account. The will try to take the cash out on Wednesday and it will decline. From reading other threads I know that they will harrass me and threaten me but also that they are…
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Help Re debt
Hi, My son has just phoned panic stricken . He has been through a few tough years with drugs but has now come out the otherside. He and his partner have just had a baby and want to look forward to a new start. They have been given rented accomodation funded by the council and moved in two weeks ago. He has always used my…
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DCA's hounding me for debts over 8 years old
Hi, This is my first post on here and I was wondering if you could help in any way. I have 8 credit card debts that I opened in the nineties, one of which the Caring Sharing Co-op from 1989, which I have allways maintained that the Balance doubled through charges etc over a very short period of time to £10,000!. I had an…
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Council Tax arrears
Hi, My friend and I have tried to start a business together, it is going ok but has not paid either of us a wage yet. I have a job and my friend doesn't so I have been giving him money for food etc while we struggle through. Last night he told me that he hasn't been able to pay his council tax for about 5 months, has had…
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Lloyds Bank
Sorry if this is in the wrong place, and sorry if its long lol A bit of background, OH had a lloyds account and I had a Halifax one, then we bought a house together in April and opened a joint Lloyds account. We both then stopped using our own account and got our wages paid into the joint one. We both kept an eye on our…
