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Wed 21st July - 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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ppi reclaim
I cancelled my PPI on my card last month....can I still look to claim if I have been misold.
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Early settlement fees
Hi I have 2 TSB loans and want to settle both. Is it advisable to let the FULL final payment come out of the direct debit or is it better to leave just a few pounds for the last payment. I phoned TSB to ask them but I guess understandly, they said they wouldn't help me avoid the Settlement Fee which is £184 on one and I…
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Charges against property
I must be going mad as I thought I had posted this here before but cannot find it! Apologies in advance for the long post. Almost ten years ago (October 2000) I took a new job which paid a lot less than my old job. Part of the job was a two year training period which was paid even less! Towards the end of the second year…
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Template for request for credit report please?
Hi, please can anyone point me towards a template letter to get my credit report? And should i use Equifax or any of the others please?
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one debt, two companies??
hello. I am a little confused as to what to do with a small debt I have outstanding. I have received two separate letters regarding the debt, one from the company I owe the debt to and one from a debt collection agency. the first is asking for payment in full and the other is asking for half the amount as payment in full.…
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Driving license, please advise - sick with worry :(
Hi everyone, I'm sorry if this is the wrong place to post, I wasn't sure where to ask this. I really hope someone can advise me. I need to renew my driving license photo, I had the form through the post and it was due by the end of June 2010. I didn't have the money to pay it (we're on a DMP with CCCS at the moment) but…
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Littlewoods Payment Problems
I have just received my statement for my Littlewoods account. I thought I'd do the decent thing and call them to advise that payment would be about 4 days late, and as I work in credit control myself, know that people are having to be a little more understanding! Not with this phone company.... I was dutifully informed…
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Full & Final Settlement Advice please!
My Partner has £50,000 worth of debt in the form of approximately 8 credit cards (Barclays, Egg, Virgin, Lloyds, Natwest, Halifax etc) from trying to keep a previous business afloat over two years ago. While the business was going we made all the minimum payments on the cards but after the failing of the business my…
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default from vodafone.not right
When starting my dmp one year ago i had direct legal and collections added to it for my outstanding vodafone bill of about 800 pounds. the past couple of months fredrickson international have been pestering me for the outstanding balance of 300pounds for vodafone. so i have added them onto my dmp and taken dlc off. but i…
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Advice on bank debts?!?
Hi, Please forgive me if this could have been posted elsewhere but I've been searching for days looking for some advice to no avail! My husband and I are in major debt owing all to one bank (Nwst) in the form of loan, overdraft & credit card. this amounts to £17,000 (L), £3,400 (o/d) and £1,550 (c/card) We are struggling…
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cca form
hi .i have just recieved my cca agreement from one of my creditors it is my signed application form with approved stamp on it ,just trying to find the thread that i can check it against ,thanks
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Trying but failing
Hi everyone! Please be nice - I'n new and also have just had the 'lightbulb moment' so feeling fragile (but determined to move forwards). Situation: Homeowner but with cc debt and unsecured loan debt that is crippling me. Have managed by just paying interest but cc at limit and don't know what else to do. SoA INCOMINGS…
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Debt Management Plan
Help....Information overload!! My wife and I have hit the financial wall 'again' this month, but rather than search out a new lender we have decided to make the jump and get debt free....Well maybe its not a jump and more of a marathon. But i reckon we have the stamina for that rather than the stress of the post man and…
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DMP - Full and Final Settlement Advice Pls
Hi there My lovely parents are downsizing their home in a couple of years and have promised myself and my bro £25k each from the sale of their property. I was initially toying with the idea of using the £25k as a deposit on a new property, selling my property and paying off the existing mortgage and DMP with the money from…
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Letter when you know nothing about about the debt - AKA "Prove it" letter
Updated 01/07/2023 by Sourcrates When to send a Prove It letter about a debt If you get a letter from a debt collector and think that you don't owe this money - you should send a prove it letter. If you get a letter saying you owe money on a debt you don’t recognise, or which you thought you had paid off, you need to…
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Car Insurance whilst on a DMP
I have just completed the debt remedy forms with the CCCS to go onto a DMP and realise that I can't now take out any new credit but my car insurance is coming up for renewal in the next couple of weeks. Does the fact that I will now be on a DMP mean that I can't pay my car insurance in installments? I've had a letter from…
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Freedrickson International/Arrow Global
Hey people i need your help, just recently i recieved a letter from Fredrickson demanding a payment of £362 they were collecting on behalf of arrow global communications for an old Orange account. I do remember having an old orange mobile account that i was paying to a dca but this would of been around 3 to 4 years ago.…
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Charges against property
Hope someone can advise on this and sorry for the long story! About ten years ago I started a new job, on a much reduced salary knowing that the first two years would be a training period at a lower salary. We struggled and at the end of the second year I was offered a loan by my bank (Lloyds), as well as a credit card. I…
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The best way to approach things...
Hi, I have the following outstanding "bad" debts,the DCA's are hounding me constantly. Below I have listed what I owe out and to who but I'm wondering the best way to start handling them; £654 - Shop Direct (Capquest) Taken Out 03/07/07 £183 - Halifax (Oliver, Blair and Scott) Taken Out 15/4/98 £218 - Lowell Finanace Taken…
