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**Daily Chat Thread 16th Sep 2010 ** DAY 4
Bet you can't wait!! :rotfl: Sorry I am a bit late this morning...trying to be organised and get my studying in before I start my day. Now Chloe is at school I can't get dressed mid afternoon anymore! Got to look my best at the school gates. Right day 4 - is LIST EVERYTHING YOU WILL HAVE TO DO TO ACHIEVE YOUR GOALS So if…
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Thursday 16th September - What 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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I have been incredibly stupid
I had a visit from a HMRC representative today. I have been a sole trader for 3 years and I stupidly haven't put any money aside for tax. I don't earn very much, it comes in dribs and drabs so it seems like just enough for myself and my 2 children to get by on with my partners wage paying the mortgage and bills. I have an…
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Cheekiness towards a DCA
Has anyone ever shown any "cheekiness" towards a DCA, either in a letter, an email or on the phone? For example one story i read on another forum involved someone who engaged in a tit-for-tat email exchange with a DCA over the drawing of a spider - i kid you not. The person offered the drawing of the spider in an email as…
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Help!
Hello, I'm currently wondering what to do, so I'll lay out my situation: - I am married with a 1 year old child - I currently earn enough to see my family through with the essentials with about £100 to spare but my fanancial situation is: - I have 2 credit cards: --Vanquis I owe 80 limit is 150 --Santander I owe 350 limit…
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cancelcredit.net
Hi, I have been a long term reader of the forums on MSE but have never felt the need to post before. Although I have debt I still feel it is managable debt (although I would love to pay it off and have that spare cash in my pocket every month!) and don't struggle to make my repayments every month. Basically I have about…
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Facing my debt with Lloyds...can anyone advise?
Hiya guys. We're finally facing up to the debt we have, mostly with Lloyds over various CC's, OD's and a personal loan. I'm just wondering if anyone has had any success asking their bank to put all the money that is owed to them into one loan to pay off with one payment? We want to get rid of all the cards, DO's and the…
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Debtline- What a bunch of cowboys!!
We have recently had several phone calls from Debtline professing to be able to help us with our debts. We told them basically to take a hike and not to call us as they had obtained our telephone number by dubious methods and we didn't need their help as we have our own free DMP in progress. On checking OH's Credit Expert…
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cease and desist letter
Hi, does anyone have a cease and desist letter that I can send to a lender whilst I am awaiting an appointment with CCCS please. LloydsTsb seem to have my number on speed dial! many thanks
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notice of disress
hi new here so not even sure that this is right place so sorry if its wrong Today i got home from work to find 2 6ft tall and 6ft wide marston bailiffs they ask my name i i told them , i asked them what debt this was as i'd just cleared all my debts (some very nice lady left me some money in her will) they said it was…
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OMG Big Fat Massive Lightbulb moment ...FINALLY
How stupid can I have been ..... I have been in debt for years (as you will see from my join date :o ) and cut back and cut back and learnt some amazing tips from this site and you lurvly people. Unfortunately because I thought I could try and carry on walking the knife edge and cope we now have nothing to live off so…
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DMP with Money Expert or One Debt Solutions
Hi, First time posting on the MSE forum - need some advice or anyone had any dealings with Money Expert or One Debt Solutions regarding a DMP. I really want to get on top off debt situation - Egg loan for £7,000 and two overdrafts totalling £7,000. Really sceptical about using these companies and DMP - so any experiences…
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Newly qualified and in debt!!
I'm newly qualified and have a full time job which I m yet to start. I have a maxed out student overdraft, catalogue bill and a loan for a car of over £4000. Problem is, I didn't get a student bursery in my last month of training, and I have to work a month in hand before I get paid. I ave tried to borrow off family member…
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who to ask for advice?
Hi there wondering if anyone can help at present I have a loan with picture paying £489 per month secured on house I also have a mortgage with accord (interest only ) @ £1039 & a loan with northern rock paying £200 per month, myself & my husband earn reasonably good money yet each month these debts are making us skint, my…
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question re a ccj
hiya there i have a strange query i had a ccj (decree scottish version issued against me last year from a very dodgy garage who screwed me over, basically it wasnt my fault the guy was a crook and i paid this off 6 days after the ccj. however when i got my credit report last month this isnt listed on it. i looked out the…
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A bit more advice please?
Firstly, thanks to those who replied to my first post.:j We've now had a few reponses, a couple have accepted our offer of token payments, at least in the short term, a couple have asked for more information but there are still a few we haven't had any response from at all. Despite this, I've now paid the first of the…
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It's not my debt....help?!?!?
Hi all Im not sure if I am in the correct place but I hope someone can help please? Ive been working really hard to sort out all of my debts. I have managed to set up payment plans with all creditors and have been happily paying these for several months. A month or so ago I got a letter from a Company called Central Debt…
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Challenging a CCJ for council tax
Hi - hoping someone can help My daughter was living in a flat with a partner. When she moved out, the letting agency said they would notify the council tax along with all other utility providers on her behalf. They notified the utilities but not the council. She regsitered for council tax at her new address and assumed…
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Old debt that shouldnt exist showing up on my credit score
Hi Guys and Girls, my first post so I appreciate any time you spend helping me! I've recently sold my car and trying to get back to good credit so I can afford to move to a new place. Short version is this - I've just done my credit score for the first time and I have a default which shouldnt exisist - I've never been…
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A very successful court hearing!
Just wanted to air the fact that I'm absolutely over the moon with getting one over Restons in court yesterday. They are the worst firm I have ever encountered and are never helpful or sympathetic about anyone's circumstances. I have a CCJ with them dating back to 2002 and I was ordered by the court to pay £50 per month…
