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Wednesday 8th September Daily Chat
Hellooooooo :hello: My energy levels are back to full tilt - who's up for a challenge? Everyone? - Excellent:D 1. Put 10p in the savings/debt pot 2. Jog on the spot for 5 minutes (and put some effort into it we want you slightly out of puff!) followed by 10 situps 3. Dust all of your picture frames 4. Make dinner without…
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3 mobile contract unaware of-debt collection
Hi, Iam getting very frustrated as i keep getting debt collection letters by Merit Force-instrucyed by Mackenziehall ltd for £542.96 Apparently this was due to a contract (can't remember taking out) in 2006 i had been with three before on an 18 month contract but that was in or even before 2004-since been using pay as you…
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Wednesday 8th Sept - 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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Paying off an Overdraft
Hi there. I'm a student living at home. Due to abject stupidity a couple of years ago I signed up to a £1600 overdraft with Lloyds TSB. Unfortunately, I maxed it out about a year ago and I've been struggling to keep on top of it since. Has anybody got any tips on paying off an overdraft? (interest and charges seem to make…
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is my CCA a CCA in dispute?
Hi Couple of questions which I am trying to get my head round. Background I asked for my CCA's back in Jan and in Feb/July and August received either terms and conditions (Barclaycard) and Docucments although signed clearly state application form (Capitol One and others). All were sent well beyond 14 days No one sent me…
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Unable to keep up payments.....
...where do I start?? My husband left us just over 3 weeks ago, I am currently on maternity leave with our 2nd child, he is living with another woman that he met in May (2 weeks before our son was born). We have a huge amount of joint debt that was getting unmanageable anyway but now with him leaving I am unable to…
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Revised SOA
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 900 Partners monthly income after tax....... 1467…
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Changed a few bits but how to recalulate
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 900 Partners monthly income after tax....... 1467…
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My SOA for you to look at please
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 900 Partners monthly income after tax....... 1467…
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Help Please in debt and dont know what to do
Hi there, I have been a lurker on the board for a while and want some advice on what to do with our debt situation. I went on the Debt Remedy and it says we are just about managing to meet our payments so cant go on a dmp. I want to post a SOA but dont know how to?? Can someone tell me step by step (button by button) how…
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DMP v IVA
Still considering taking out a DMP but the way I read it these are not legally binding and not all creditors accept them Why not go for an IVA which I take it are legally binding. From what I read, both totally screw your credit rating. Sorry if I seem a bit obtuse, but it's all new to me.
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CCJ Payments
Hi hope someone can help! I'm on a DMP, have been for about 4 years. One account went to CCJ with a charging order 3 years ago. We have been making all payments via CCCS. What I'm wondering is as we pay off each debt the remainder of my monthly payment is increased to remaining creditors except my CCJ. We should have all…
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And it goes a little something like this...
Well it started a few years back when i was with my ex. I was on 10k less than him but he expected me to pay equal amounts (except that i was the one paying for all the shopping, anything that the flat needed and anything for the animals). He then left me and as i took the debts on (he couldnt get credit at the time) im…
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Status Update
Just thought I would post with an update of our current situation Debts as of Jan 2010 DLC £39000 NORTHERN ROCK £27000 WONGA.COM £2,069.80 WONGA.COM £868.22 QUICKQUID £309.00 NEXT £200.82 ALLI & LEIC £260.00 3 MOBILE £82.95 3 MOBILE £65.94 ABBEY £39.39 As I was the only one earning we were making payments through CCCS and…
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Partial settlement- advice please
Thread Stats Views: 22 WW Factor Coming Soon... Share This Thread: ! Share Blair Oliver Scott and Santander have settled for 70 percent each of what I owe.both will register a partial settlement with CRA's. Two defaults were registered against me in November 2005. So they should be gone by November 2011. What I want to…
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Debt Line....
Hi there i'm looking to go into a debt management programme... I was just wondering if you can tell me if "Debt line" are a legtimate company??? I ask because i have entered all my debts, and they say they can reduce all my payments to £200 a month. I think this is great, but the company are asking for card details before…
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Electricity Key Meter Scam
Hi All This may be better in the utility companies thread but at the same time I thought it may also be useful to make all you DFW's be aware of this scam as its easy to be taken in when you're trying to make every penny count. SnV http://www.bbc.co.uk/news/business-11201806
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Can anyone tell me where i can save on my soa?
Hi Everyone, Just wondering if anyone can help me with my SOA see if I can change and reduce any of it? The sky and Bt can't change until March 2011 due to a contract and they have said I am not able to reduce the package. The reason I am in council tax and housing benefit debt is that I was off work for 6 months due to…
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Where to go, what to do?
Hi Folks I'm here after a recommendation from a good friend of mine. Any advice would be most welcome. I've produced my SOA below, where do you think I can save, need to start paying more off the unsecured debts? I currently live on £30 a week for me and my 5 year old which is a struggle. My mobile phone will be cancelled…
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what to do?
ok, I have just transferred £2280 onto a 0% credit card for the next 13 months- there is no way Im gonny be able to pay that balance off within this time so my plan would be to jump to another card after the promotional rate, however, I have another 0% credit card with a balance of £969 which runs out maybe January. Do i…
