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Monday 17th 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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Overdraft help? Please?
I have had a Lloyds TSB overdraft since I was 18. I was able to pay some back a month (OD limit is £1800). I had a baby in 2006 so stopped work to look after her but my husband still worked. Recently, things have taken a turn for the worse. Hubby was made redundant. When we knew of the redundancy coming up, I telephoned…
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4 months later ... (newbies take note!)
Well, I just wanted to say a heartfelt thanks to everyone who offered their advice back in January when I posted my SOA and asked for support. By going through my DDs and SOs with a fine-tooth comb and getting rid of or reducing everything I could, plus cutting back on food bills and virtually every other household…
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Tracing enquiry from Fredrickson International Limited
I recently received a letter from Frederick International Limited - Debt Collection Services. It states: ---- We have made tracing enquiries for confirmation of your current place of residence. Information has been received confirming that your address details have changed to the above address. Please contact us…
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Advise please :)
Quite possibly not the right place to post. BUT I have been reading these threads for a long time now and its made me appreciate how important looking after the finances early in life are (im early 20's) I do have a very small amount of debt, which I want to transfer to a 0% credit card but I have to wait until iv been…
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How much should I pay .....
and how quickly would my debts be paid off? Here's the story, I have quite a bit of old debt and I'd like to try and pay it off as quick as possible. It is all under payment plans through the CAB. Here's what I owe and how much I pay at present: Lloyds TSB/BLS: 5654.78 currently pay £67 a month Capital One: 802.03…
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Old debt resurfacing - letters assistance?
Hi all, I have looked throughout numerous posts and couldn't find anything so was wondering if someone could help? I ran up some student debts 6 - 8 years ago, did the foolish thing of running away and on Saturday I got a letter from 1st Credit Ltd saying they are trying to trace me and wanted confirmation that I am the…
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Help needed re Kensington Financial management consultants
Hello, I have just visited my MIL, who while there got quite upset and broke down about some debt she was in. On further investigation, I discovered she had run up £3000 on catalogues and while paying it she was approached by a company called Kensington Management Consultants for a payment plan to help reduce the debt. I…
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Student Loan Repayments might sink me!
Hi, I have recently received a letter to say my repayments for my student loans may go up from £150 a month to £375 or so. The reason for this is that I am earning over a certain amount compared to last year. This is a good salary, however I owe a family member £650 a month too as they consolidated my other student debts…
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HELP !!! Pay Plan or Baines & Enrst, DMP or Bankruptcy
Hi Everyone Just wanted some advice. I recently signed up with Baines and Ernst in thier debt management plan. I now wish i had done more research as i didnt relize that their 'intial fee' is 2 months payments which for me is nearly £500 and i havent been totally happy with the service as now they have my money i dont get…
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Balance Transferring and PPI
Hi I hope someone can help me with some good advice. Here's the story: I've just lost my job and am desperately searching for a new one, however in the meantime as i'm sure we're all aware the bills don't stop! =( I have 2 credit cards, on one of them I have the Payment Protection Insurance (PPI) and the other I don't,…
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Amazed at progress to becoming debt free...
Hi, I just wanted to post and say thank you to everyones advice and tips on saving money. I had started to think that we would be in debt forever but me and DH have really tried to cut back and have also sold lots of unwanted items on Ebay. With all the help and advice about 0% credit cards we are now not paying any…
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F & F settlement before missing payments?
Hi guys, I'm normally over on the O/S board but think i might get more appropriate answers here. We have a BOS loan taken out to buy a car with 3 years payments left on it of 257p/m. My husband is being made redundant and we are going to start struggling to find this payment. Is there any chance they would take a f&f…
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Help needed on PPI reclaiming when in debt....
Hi, I find these boards really useful and I was wondering if one of you very knowledgable people would be ble to help me. My husband and I have gotten into a lot of debt over the past few years and we are currently in a DMP with the CCCS (for about 18 months) which we are managing ok. I have recently been successful with a…
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helppppppppp!!
hello sorry if this is in the wrong place few q unexpected split with hubby last monday, tried to sort out to no avail, finances in a mess for ages but really need to put in some sort of order now as i have NO income, 2 kids, mortgage and all the bills :( will post seperatly about help i can get need to open new bank…
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Part time work from home needed
Does anyone know any legitimate agencies that I can contact to take on part time work that I can do from home, in the evenings and at weekends? Dont mind what it is, stuffing envelopes, typing reports, etc etc. Basically anything that will pay a little extra money each week to help me survive the recession? I have come…
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Weekly Spend Challenge W/C 16th May 2010
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Abbey CCJ terms & conditions
I have a debt with Abbey National going back 10 years. I have asked for a copy of my credit agreement at the time it was with Equidebt back in 2007. There was no T&C with the mocrofiche sent and I disputed. The debt has since been sold, without my query being resolved, and I am being taken to court. The Sols for the DCA…
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Letter from CapQuest for £24,000 Natwest debt from 2003
I've also just received a letter from CapQuest offering me a "no gimmick" discount of 30% on a NawWest "debt" going back to 2003. They claim the debt is £24500!! This is the first time I've been contacted by anyone about this and in this manner. My first thoughts (after a mild panic attack) was to ignore this letter as it…
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For those who have borrowed from family...
...how are you finding things? I have loved getting almost no post! All we get now is 1 bank statement and the usual utility bills. That alone is a hugh weight lifted! Not opening any unwanted mail is a thing of the past! Cash flow is still tight and I am really trying to stick to the budget but food shopping seems to be…
