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Is it half empty or half full?
My cup that is! I'm an Engineer so I would say the cup is twice as big as it needs to be. :D Anyway, my car: It broke down, got towed to garage etc. estimates of a Vauxhall repair range from £800 to £1200, I've so far spent £240 and got most of the parts required, should be 2-3 hours work for the independant garage I use,…
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Teaching future generations
As a child of a single parent (through bereavement, not divorce) I learned very early on that you do not get anything for nothing and to value what you have through working hard to get it. Dad was never in a position to hand out cash so my brother and I both got a paper round at 13, moving on to other part time jobs as we…
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Sad story in our local paper today
Unfortunately I read yesterday of a man near us committing suicide as he could not cope with over £100,000 worth of credit card debt. Apparently he had started to try and deal with the debt by contacting CAB but had found it all too much. He was 72 and had a wife and 2 children. It doesnt say whether his wife or family…
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CCA for overdrafts?
I've sent my creditors the CCA request letter as I had no original paperwork for any of my debts, only the DCA letters over the last couple of years or so. Two of the debts are for old O/Ds and they were both set up on the phone, so my question is Will there be a CCA for them? Or will there have been a clause in the…
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**Daily Chat Thread 2nd Sept 2010**
Couldn't find one so thought I would start one off. I am scarily organised today. I am starting to feel like the 'old' me is coming back. I just need to get chloe into school and Lils back off to college and I will feel even better Was just going to have a bath and Lils got in my bath water...does she seriously think I ran…
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Thursday 2nd September - What small things will you do today?
:D 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,…
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Debt consolidation, any advice?
Hi, I have bad credit with 5 defaults which happened when I lost a job 11 months back or so. I started paying them all, juggling jobseekers to cover the minimum payments at around 110% of my income paying the payments (sold my stuff to cover the extra). The current situation is that I am about to start a new job next week…
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An idea I came up with to remove a default
Since default removal seems to be at the discretion of whoever is reading your letter, and is sort of subjective, I came up with an idea that may work..I am open to any criticism This could also work for other things So say you want to a remove a default that Halifax imposed on your credit file..Chances are your first…
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Dodged a CCJ, got rid of the late £200 tax assessment fine and removed a default
not bragging, but I remember coming here last week and supposedly there was nothing I could do about my situation.. Well, I got a CCJ issued against me, so I told them that my address was spelt incorrectly (although it was almost accurate) and got that set aside..win 1 I had a £200 late self assessment tax fine (although I…
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Please help!
See below for my SOA, I am at the end of my tether, i just dont know which way to turn, at the end of the Month I always end up skint and worrying about what I will do for the rest of the Month. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 Number of…
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DMP And Guidance
I'm seriously thinking of starting a DMP with CCCS. I have gone though the initial step 1 with them but have some questions that some of your more experienced people could help with. 1) I have 6 creditors 5 credit cards and 1 overdraft with around £23k of debt that i have listed on the DMP however i have a loan that has 2…
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Aqua Card can't pay
I am a carer to a gentlemen who suffers with schizophrenia, a few month's ago his wife left him. Because he now has a lot less money to live on, he cannot afford to make the full payments to Aqua card. He owes them £2300 and the interest alone is £58 a month. Does anyone know what Aqua are like to deal with? He's in a…
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Long term DMP and F&Fs
Hi there. I'm new to MSE although no stranger to debt after going bankrupt in 2003. Things are pretty much ok for me now but I'm here for some advice for my partner. He ran up a lot of debt with his ex wife and entered into a DMP with Payplan over 6 years ago. Because all the debt was in his name he got stuck with it when…
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Morrisons 5p Off Fuel Vouchers
I noticed the local Morrisons has a deal at the moment - 5p off a litre of fuel if you spend £40 on shopping. I didn't have time to read the small print, is this offer on nationwide? I may do my shopping there this weekend as I can get 60 litres into my tank so it's going to be worth £3 to me so worth having. I'll probably…
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Full & Finals on CC's - advice please
Hi, We are slowly but surely starting to get there on our DFW journey, but need a bit of advice.... We are about to come into some money, and want to clear a large lump off our CC debts. So far we have been able to meet the minimum payments (apart from 1 blip a month or two ago - bounced DD's). Has anyone done a Full and…
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1st Credit and Reliable Collections - Bit of help please
New to the site so apologises if there is something already on here, there is so much, I thought I'd just post my thread anyway. Firstly I got a letter off 1st Credit today after I CCA'd them and then put the Account In Dispute. It's attached. What worried me before I deleted the dates, account numbers etc was that the…
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Please help! Levy charge for bailiff - urgent!!!
Hope someone can help me out, back in April I missed my 1st months Council Tax payment due to either a problem with their online payment system or my human error, effectively putting me 2 months in arrears by the time the next payment rolled round. I ignored the letter as I just thought payments and letter were crossing in…
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Virgin Media Default
As i explained before, i got a copy of my credit report from equifax and discovered a default on it from virgin. the circumstances are inconsequential now, and the fact is there is a default there. after speaking to virgin, i proposed to settle in full, in exchange for the removal of the default. i was informed that i…
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co-op bank group, help please
Hi, I am hoping to go for an IVA but want to get things such as a bank account into place first. From reading the forum I know now that if you bank with a bank that you owe money to that it is best to move your account as they can help themselves to your money, I take it this is the same if you have borrowed from one of…
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Reduced DMP while on maternity?
Hi, been in a dmp for 3 years and pay £250 pm to 3 creditors. I'm due to go on maternity leave at the end of December when my income will drop significantly. I get 90% pay for 6 weeks, 50% for 12 weeks and then statutory maternity (£120 per week). I will be off for a total of 7 months. I'm clearly not going to be able to…
