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SAt/Sun 17th/18th 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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Getting my act together slowly!
So it was suggest I start my own thread.... Reality hit hard this week, turns out that I have the following debts 1 HP car - £197 pcm - 3 1/2 yrs left 1 Loan - £226 pcm - need to check home much left 1 salary paid student loan - payment depends on take home 1 Over draft - £1450 A&L CC - £15300 Halifax CC - £9300 Egg CC -…
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Small problem with debt not big what to do?
Hi Not got a massive problem like some people on here but here it goes... I have a phone bill due and i have not paid it yet i have now been forwaded to a debt company to pay off this bil and when i do pay the money it will go to o2 which is who i ow it to i already told them i could not pay it soon because of money…
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New Realistic Me!!
Hi, I posted a couple of months back with my statement of affairs only to realise that i had forgotten several outgoings/debts that i had each month plus now i have moved, things are slightly different so i decided to start afresh! My pay fluctuates each month depending on what nightshifts/weekend work i do so i went with…
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In a state...please help..includes SOA
Hi - your advice and experience would be very much appreciated. Here goes... I've run up unsecured debts due to using credit cards over the past few years. Total debt is currently 13200 (all unsecured debt) I rent and have no mortgage. Me and OH have no joint financial commitments. We have been together for years, live…
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statement of affairs
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,859.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Nearing the end of my DMP
Sorry if this is in the wrong place, couldn't work out the most appropriate place to put it. Anyway, been paying into a DMP for the past 5 years and only got ONE payment to go (hallelujah!) :j Once it's ended, I know my credit rating is going to be abysmal for a while - is there a tried and tested method for starting to…
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Please help - repossesion
I dont know where to turn, we recieved a court warrant today giving us two and a half weeks to move out. The mortgage people wont really talk to us despite us making an offer and trying to get them to switch to interest only for the last year. We have sent cheques with our offer but they say on my credit report I am paying…
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Don't give up hope- finally a solution came!
:beer:AFTER GOING TO THE CAB IN OCT 2008, TAKING ADVICE, SEEING A FINANCIAL ADVISER AT THEIR RECOMMENDATION, GOING THROUGH STRESS LIKE WE'VE NEVER EXPERIENCED, HAVING THE FIRST IVA REJECTED, OUR IVA IS NOW IN PLACE AS OF TOMORROW (FIRST PAYMENT). I LOST WEIGHT, GAINED WEIGHT, CRIED, WAS ILL, GOT STRESSED, PUT MY BLOOD…
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Want to start over again
Hi all Although I have this website in my favourites this is the first time I have posted here. Here I go..... I really want to start over again, my OH lost his job 2 year ago but eventually found a job earlier on this year, however we have been struggling for a long time now and I want to start afresh. I hate my house and…
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Closing Catalogue Accounts
Hi, I am really trying to sort out my finances and have been through my credit reports to make a list of all open accounts. I have 3 catalogue accounts with credit limits totalling £3750 and they are all clear so I would like to close them down, am I best ringing them or writing to them to close them? Thanks Sarah
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Full and Final settlement
So i'm planning on taking up a few offers and i've asked for it in writing which they are 'apparently' doing. But what should it say on there? I'm a bit concerned about being conned and then them coming back asking for money when i think i've got things sorted. So any phrase or text that has to be on the letter to ensure…
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Unenforceable Debt Confirmed - Query?
Hi. I have used a claims management company to see if 2 credit card debts were unenforceable. They have now confirmed (in writing) that they are, and advised me to stop making any further payments. Can anyone offer any advice on this please? I have been using both credit cards until Tuesday of this week. The letters…
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Spare time in the evenings....
Hey all, I have posted a few times on this forum as I have quite a bit of debt, all of which is manageable, but I finish work at 5pm every day, although I have a girlfriend she works weird hours so I have a lot of spare time in the evenings. So I was wondering if anyone knows of any jobs that could be done at home in the…
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CCA Request
I made a request for a copy of my CCA for a credit card taken out in 2001, just received some nonsense and a set of the latest terms from HSBC. I have sent the 2nd template letter today and be interesting to see if they provide it.
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Would I still get a mortgage ?
Hi everyone, I am on a 4 year dmp and so have a few red marks from 2 creditors. Now I can sell my house and down size, this would allow me to pay off the 2 creditors I owe money to. It would then allow me to place a 40% deposit on the other house. Question is could I get a mortgage? I must add i have never ever missed a…
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Best action to take?
Ive been looking at these boards for a few weeks now and wondering what is the best way to tackle the debt i currently have... ill try my best to breakdown my outstanding debts, and would like some advice on which one is best to get rid of first... Since ive been about 19 i've lived in my overdraft, even though im now 23,…
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HFO please help
Hi everyone, im completley new so please dont shout if i have posted in the wrong section. I have started to be chased by HFO financial services, and i have read a lot of reviews regarding their bad practises. My debt regards a student account i had with barclays in 2004. I was wondering is this debt still enforceable?…
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In debt with iQor+Ebay
Ebay have sent debt collectors to be for the fee of £45. I am 16 Years of age Yes i know im underage. I dont need you telling the wrongens of my doings . But is their law for this issue on getting in trouble Their collecting money from me as a minor Aint it Paypals fault for not checking my Age Correctly
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Getting there (except for the student loan!)
Hi all I'm quite a recent convert to the cause, having got away with way too much debt for years and not really thinking about the consequences. In the past 3 years I've paid off 4k in bank loans, and am just today down to my last £200 to pay off on my credit card (now destroyed!) having paid off the remaining £800, and am…
