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Summers here! Thursday 20th daily chat.
Oooh, I get to start one. Not usually up this early but I've got to leave for uni in just under an hour; got my exam today.....needing good luck vibes lol
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Thursday 20th May - 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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Lewis Group, finished paying debt but they haven't confirmed it to me !!
After a few years I have now finished paying a debt to the Lewis Group. Unsurprisingly, they haven't written to me to confirm that the debt is now paid etc etc I want them to confirm all this in writing so want to know is there an official line I need to put to them in a letter ? They have always been awkward so I want to…
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Credit Card defaulting
Is this the only way I can get my bank to stop the interest? (Previous negotiations resulted them reducing interest by a measly 3%, they won't go lower). Balance £4000, I want to pay it off, but everytime I pay £100, £70 goes on interest. I can no longer afford to pay £100 every month (circumstances changed), but even if I…
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Wonga payday loan
hi, I knw i am soooooo stupid getting involved with this company but i was in need of money early in the year and each month i have borrowed started off with 150 but now didiculas owing 800pounds, I cant afford to pay this off in one go not lucky enough, however i have had to cancel my card details today with me bank on…
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AOE advice please
Hi all I work in HR and have been asked by a staff member if an AOE for council tax will show on a credit search or as a default? I'm really not sure so any advice would be appreciated. xx
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Hire purchase MAJOR MISTAKE
HELP.... Ok, been really silly, I had a car on HP the car a few months ago was a wreck, needed so much work so I scrapped it... no receipt or anything. I then realised a few weeks back that your not able to do this when a vehicle is on HP, so contacted the 'scrappy' and never had any response as wanted to get the car back…
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Effect of CCjs on future credit applications
I know that a CCJ will fall off a credit file after 6 years but what about the http://www.trustonline.org.uk/ files ? If an unsatisfied CCJ is over 6 years old and is still listed on the http://www.trustonline.org.uk/ files, then what are the implications ? Do lenders routinely search only the credit files or also the…
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Serious issues and help needed
First time poster but need advice please...I have been in debt now for nearly twenty years (since I left university). Initially the debt was fairly low but once I left uni I started work and got married. As my then wife also had debts we tried to pay most of them off to no avail, they just grew, maybe becasue we were…
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Help with interest being charged.
To sort my debt problem I spoke to CCCS 2 years ago and they helped me set up an agreement with my credit card companies. However 2 companies, Lloyds TSB and Egg, continue to charge me interest on my credit card account. I worked out that I have payed Lloyds £1719.02 over the last 18 months and my balance has only gone…
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MBNA Have issued a default
Hi Guys, I have had some issues with MBNA and they have put a default on my credit score, so I am trying to wipe this by writing a letter and putting my point across. Now I know this is a difficult procedure and know it can take time, what I would like to know is could someone look over this letter and see if I have made…
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Newbie wants advice on getting Debt Free!
Hi, I have been a reader of the site for a while, but have decided its time to get some advice. I finished uni 3 years ago this summer and have some debt left over which I want to get rid of. It seems that every time my pay packet comes in so much of it going to servicing debt, and I'm still getting to the end of the…
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how much to live on?
Evening all, Just wondering how much you budget yourself to live on each week, after you have paid your bills and debts? (esp if you live on your own like me!) What sorts of things do u buy from the supermarkets and what cheap meals can you make with it? I'm looking for inspiration cos I am tired of ready meals ;) xx
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Going through sheer hell at the moment.
I know I've called myself cannybear. Canny I am not at the moment although this is my aim, on the way to getting debt free. I will admit that I have got into debt because of my own stupidity. Working in PR for a company last year, great salary, good job, told by my then employer that my job was safe. Nice Christmas present…
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In need of help
Hello, My friend told me about this site and that there is someone called NEVER IN DOUBT who may be able to help me. Hope I have got the name right. Like so many others I lost my full time job last year and have not been able to make payments on my credit cards and am now getting ccj's and telephone calls and callers…
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Help! What do I do about Water Bill from address I left 3 years ago.
Someone pls Help! I recently received a bill of £450 from Thames Water from my parents' former address which we haven't lived in since December 2007. Thames Water have asked me to provide proof of when I moved from the place as the bill was in my name but the property was always in my parents' names. The house was not sold…
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in need of help please!!!!
Hello, i am new to this and a first time poster so not sure if i am doing this correctly. I have added SOA hopefully filled in correctly. Some questions to ask. All debts in my name apart from one loan in my partners name, he is paying this loan but is does come out of a joint account, how does this stand in Bankrupcy? I…
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Advice please
I will try and keep this brief as possible. My husband and I have been in a DMP since October due to redundancy. In February our circumstances changed when my husband was able to secure new employment, and our mthly payments to our creditors were increased and accepted by all. One particular debt, a cc with Lloyds,…
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IVA advice please!
Hi all debt free wannabes! This is my first post on the website and any advice would be really appreciated. I've been struggling for some time with £7500 worth of debt on my Barclaycard (this is my only debt) and have decided to look into an IVA. I live on my own and my basic salary is £15k per year so my credit card…
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Help just offered a consolodation loan by cc
Just had a phonecall from co-op I have a cc with them at 15.6% and they offered me a consolodation loan at 9.6% but said that I could never get a loan with them again. I asked would it effect my credit score they said no. I have 4 other cards and am desparately trying to pay them off. I have got rid of (2 in the last 4…
