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Free/Cheap things to do
What do money savers do to entertain themselves? My poor dogs are begging to stay in the warm house, and I am seeing the people at the gym more then my own family. I work all day, but really dont want to sit gawping at the t.v all night. Everother week my step daughter stays, and we play board games, but even she is…
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I just CANNOT get rid of my O/D
been trying for about a year now....I have made significant changes and gone without loads. OK thankfully the OD has shrunk to a point where the charges are much less but I just can't recoup the loss.:confused: Just feel a bit down with it all especially at this time of year.
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Dispute with supplier has badly affected my credit score
Hi, It's my first post here, but I've read quite a lot on this site and am making headway into getting rid of all my debts! For two years now, I've not missed any payments anywhere. Before that I missed one payment on a credit card in the past six years. My credit score was good and getting better. Earlier this year I got…
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Is there anywhere
A template letter for harrassment by letter please?
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Complaining to the Financial Ombudsman about Debt Collectors.
Since April 2007, the Financial Ombudsman Service has covered complaints by consumers against Debt Collecting Businesses who act on behalf of consumer credit lenders. Under their rules a complaint can be made by any consumer against whom a Debt Collecting Business - not just the person named on the credit agreement.…
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Complaining to the Financial Ombudsman about Debt Collectors.
Since April 2007, the Financial Ombudsman Service has covered complaints by consumers against Debt Collecting Businesses who act on behalf of consumer credit lenders. Under their rules a complaint can be made by any consumer against whom a Debt Collecting Business - not just the person named on the credit agreement.…
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urgent
is there anyone w2ho can advise me by pm.someone may have put me in debt.
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How to negotiate with my bank
Hi all, This is long... I recently became homeless as a result of no longer being able to pay rent due to loss of employment, partly because the amount of my loan repayment with my bank was too high to maintain. I contacted the bank on many occasions and responded to all their calls as I got into arrears, giving them…
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Weekend Sat 28th- Sun 29th November 2009 - 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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Am a weary DFW but getting there slowly!
Not sure I've posted this in the right place. It's not often I post about my own repayments but I have managed today what has so often felt impossible, I have today brought my debt in under £5,000 :j:j. Back in 2007 it felt like it was impossible! I am delighted but in the same vein stand now at the foot of the final…
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Natwest overdraft
Hi all I'm new to this so forgive me if its in the wrong section. My wife and I have a DMP with CCCS since November 08 and things have been going fairly well so far. We have been in and out of overdraft with Natwest since 1988 (I know 20yrs till LBM). Our original overdraft was for about £100 back in 1989, that amount…
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Mbna default notices
Hi I have just received my second default notice for the same account in 2 months mbna have accepted a reduced payment of £22 a month and frozen the interest on my account but send me a default notice every month after i have made the payment. Are they right to be doing this, I am about to make them a full and final…
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*It's the weekend!* 28th/29th Nov Chat thread
This hour shouldn't exist on a weekend! But I'm meeting my friend at the spa in town for her 21st at 9:30am so I need to have a shower, make personal areas appropriate to be seen in a swimming costume (sorry if tmi, I tried to phrase it politely) and get some tidying up done. And when I get back from the spa, I need to buy…
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Need some advice please all you lovely people.x
I have a debt with barclaycard which I have slowly been paying off over the last year and a half, most of the debt is made up of charges they added, unfortunately due to some family strife the last couple of months i let the payments slip a little bit 3 payments to be exact. I have gone to my bank this morning which is…
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Please Help Nationwide Current Account Charges
Hello everyone Hope someone can advise me as I plan to go into our Nationwide branch tomorrow and speak to the manager or someone who can give me some answers. I will try to make this brief. My 18 year old son seems to be following in older brother's footsteps; ie. being terrible with money. Anyway he has asked me for help…
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Trouble with AIC
I got a yellow card in the post from AIC saying to call them right away regarding my debt. I had a HSBC account 4 years ago and it went over overdrawn (careless student that I was back in those days) and the debt was eventually passed to CDRU. Only 2 years ago (after having my daughter) did I get a grip and try to sort out…
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Credit Report doesn't show Credit Card or Current Account
Hi everyone, I received a copy of my credit repoort today from Experian. There is no mention of my HSBC credit card (on which I have a balance of £3k and a limit of £9k) nor my current account which has an agreed over draft of £1,250.00. Is it normal that they aren't shown? I expected them to be. I've had both accounts for…
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CAP alternative
Hi, Does anyone know of a commercial alternative to Christians against Poverty as I like their idea of putting your money in an account administered by CAP, but I have not been able to find an alternative. I am not keen on the religious aspect of CAP. Thanks.
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Changing DMP - HELP NEEDED
Not sure if anyone can help me with this but I currently have a DMP where I am charged 20% each month in fees. Does anyone know if I can change over and if there are any companies that dont charge fees - meaning my debts are paid off quicker? Thanks
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Natwest Loan enforcable??
Hi I have a natwest un-secured loan from November 2006 remaining total £12000. They provide me with the account online through internet banking with just my payment information and send me through a statement again just showing what i have paid and remaining balance. I have not sent the standard letter yet for CCA which I…
