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Help SOA
Can someone please have a look at my SOA for me - we really need some help, would prefer to self manage a DMP as HB is in the military and don't want it to look bad on his record - what are the possibilities of getting the interest frozen on just my credit cards. Household Information Number of adults in…
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Monday 8th Feb - 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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Daily Chat Monday 8th February - soon be the weekend!
Good morning! I enthusiastically set the alarm for 6am but have only managed to make 2 cups of coffee so far. Loads to do today (definitely no farming!).
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I Wannabe Debt-free but where do I find the willpower to stop spending?
Hi everyone This is my first post so please be gentle :o Sorry for the long post, but wanted you to get the full picture. I've stupidly let my spending get way out of control over the last 18 months and being on maternity pay for the last nine months hasn't helped the situation. I've just been through all of my credit card…
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help with payday debt.
hi am just looking for some advice on how to go about my payday debt. some of you may have read my previous posts about £2800 payday debt, but heres where i stand now. HTP £350 - £25 a week AP (2 payments behind) the money shop DC - £93.75 - £31.25 a week FAP cash generator - £120 - £20 a month (28th feb) interest only ABL…
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Is this normal?
Had a letter from BoS (who are my main creditors, 3ccs, 1 loan) in the week, asking me to phone their financial advice centre for a free financial check up, etc, etc. So as I'm in the middle of starting a DMP I rang them to see what they had to say, spoke to a charming gent we went thru a SoA and at the end he said to me…
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Letter needed to make a complaint about..
Does anybody have a letter that I could use to send to AIC, for breaking the code of practice, by asking me to borrow money off family/friends. Some kind person said they would hep with this, however I think they are currently away and I need to get a letter off in the morning. Kindest regards
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Template Letter to make a complaint about...
Does anybody have a letter I can send to AIC advising they have broken the DCA code of practice, by asking me to borrow from family or friends. Someone kindly said they would help me with this on the forum, however I think they are away and need to get a letter off in the morning. Appreciate your help.
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Help please - CCs, loans, O/Ds, don't know where to start!
Hello guys, long-time lurker here. I'm trying to help my Brother with his debts, and would like to court opinion on the best advice to give him. The situation is: Credit Cards All with DCAs, no payments made for months, no contact since June and no interest. Tesco (Fredrickson International) - 3500 Capital One (Robinson…
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whats the worst they can do?
Im having continues talks with call centres who ring me 4-5 times a day regarding my credit card debts who tell me that if I don't make a payment my credit file will be affected or someone will call at my home. I own nothing, i rent my house, I'm self employed and I'm earning very little, what I do earn goes on the rent…
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What happens if....
hi guys, Thanks for the help from this forum. I've already taken my 1st steps of hopefully erradicating my debt, by sending some statute barred letters to 1st credit. I sent these via Recorded Delivery last week. 1. Royal Mail website shows that the letters have been delivered via their REIGATE delivery office, but there…
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Worried and Upset - SOA Calculator
I have just done an up to date statement of affairs and it was made me worried and upset any ideas would be appreciated. This takes into account both my income (student) and my partners income (part time job, is trying to get a full time job) Statement of Affairs and Personal Balance Sheet Monthly Income Details Income…
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Shopaholic Help in the UK
I have finally realised I have a serious problem. I have BiPolar disorder, and I thought at first it was just when I was manic that I was overspending, or depressed. But I'm realising I'm spending ALL the time - money I just do not have. I have creditors ringing constantly, and sending me letters, and final warning…
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Natwest...is it AKA RBS???
Hi there, I'm new to this site so I hope this works.... I am just about to bite the bullet and face my demons. I have done the online CCCS debt remedy and I am to speak to someone tomorrow. I am unsure what route they will advise me....but any route will be better than the way I feel now, not sleeping for the worry etc.…
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Orange phone contract cant pay problem???
Hi, I am posting with a problem for a family member. He has taken up a 24 month contract with orange which included a phone. His monthly payment is £30 through direct debit. He is now unable to pay and has had a bank refuse to pay the direct debit and charge him £25 for a letter to tell him that they will not honour the…
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replies from companies i owe money to
started my own dmp, sent letters off last week and this weekend got my first replies. Bank of scotaldn cc have accepted reduced payment for 3 months and to contact them again then, but nothing to say they are going to reduce interest just that my statement will show the full payment required but not to pay it just the…
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Gym chasing me for money
Before i had my LBM i had cancelled my gym membership but still had 4 months before i could leave. They are now chasing me for £140 that i should have paid them. I've just found the paperwork for this and it was just a membership agreement that i would pay them £35 a month until 1st feb 2010. Do you know if i could just…
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A quick question
After reading many threads on the forum i finally took the big step to admitting i have money problems and went through the cccs website. My question is, i am currently up to date with all my loans & CC's (just!) but in the advice leaflet that cccs gave me they advise to stop all direct debits now. This means that i will…
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Unenforcable Fine?
Hi All, I need some advice, i had a car insurance policy that ended in October last year. The policy was one of these pay as you drive policies that you have to pay a fine if you go over a certain time when driving the car. I moved home not long after the policy ended and i've managed to get some old mail from the house…
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Trying to sort out my daughter's financial mess
My head is absolutely spinning with this. My daughter has been in financial difficulties for quite some time now, but has only just come clean with me as to how bad it is, and has asked me to help her. Frankly I'm not sure I can, but I've said I will try. She has problems with her bank, her credit card company and her car…
