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Welcome Fianance Bank Account Details
Hi all I just wondered if anyone had details of WF bank details? I have tried a couple of times now but can't seem to get a response from WF. I only want their details so I can do bank transfers monthly. I am on my own DMP, but as I only have a basic account I am having to send them standing orders every month which while…
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Hello, it's time for me to face reality, I hope you'll help me.
Hello Everyone, I am really hoping that today in the start of a new way of life for me. I have spent the last couple of weeks really looking into my debts (and my husband’s too) and I now feel ready to deal with them head on. Our total debt currently stands at £55,000, I could have cried when I first saw that. It was…
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Advice Please - Bank does not have the original credit agreement
Hi I recently requested the original credit agreement for 2 of my debts, one was recently taken from my credit file as the 6 years had passed and the other was never recorded on my file. I did receive a response and was informed that the agreement is no longer available and although they can't take any legal action to…
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Tues 28th Sept - What small DFW things will you be doing 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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Large debt advice needed please...I'm desperate.
Hi there, Where to begin? I have two debts, one of just over £9000 and one just over £2000. These debts go back to at least ten years ago. Since moving house I've only just started receiving letters demanding payments (the two debt collection agencies are Activ Kapital and the other is Rockell DCA). I've not heard anything…
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my money situation
first of all, i hope this is in the right section. here's a few details about me: - i'm 22 - i'm an ex-uni student (alhough i failed my final year instead of getting my degree) - i do work part time (like 7hours a week) here's my money situation: first off i obviously have all my four years worth of student finance to pay…
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Winter Money Saving Tips?
Hi all - I'm a longtime lurker and not posted very often but I find this site so inspiring reading everyone's stories - I'm currently trying to rid myself of 17k worth of debt and although I earn a fairly decent salary I'm finding that I'm struggling with basic utilities - I had a flatmate for 3 years up until April who…
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judgement balance
Hi , I have just joined the forum as I am having a panic , so I hope i have posted this right. It is to do with my water bills. I missed several payments of my payment plan due to not having much money to pay them. The water company told me I was being taken to court. I asked for a new payment plan and they agreed. when I…
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New Here
Hi I have been reading the boards for a few weeks now after realising that my spending has got out of control. I just want to say that after reading these boards I have become inspired to beat my needless spending and pay off all debts as soon as possible. When I am debt free I will be cutting up all my credit cards, only…
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Going it alone?
Hi all, I was just wondering if anyone has or is managing thier debt without the help of people like CCCS etc? I called Barclaycard myself and told them I couldnt pay the minimum on my card as my circumstances had changed, they were great. They cancelled my CC and I am paying them £20 a month for 6 months then they will…
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Halifax credit card debt/IQor collection - HELP!!!
Hi, new to the forum, please be gentle! im really confused and could do with some advice please I had a halifax credit card with a debt of 5k. i also had an egg card with a debt of 5k. Two years ago my husband lost his job and we defaulted on payments on the 2 credit cards, an overdraft and bank loan but worse still, the…
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Your spending diaries - show us a photo of it
I used to keep a spending book years ago. I would like some tips on what you use and what balance you start with. Can someone show me some pics of one page of your spending diary so I can start mine on the 15th when I get paid?
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Grocery Question
What do you buy as a basic shop weekly? Lettuce, Onions, Tomatoes, Cucumber, Bread, Mushrooms, Apples, Bananas, seafood(haddock, mackerel, prawns etc), 2 carrots, clove of garlic Price: £10 - £15 per week What are your once a month purchases? Tea(redbush and black, tetley), Nutella, Honey, Multipack crisps, 100g bar of…
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1st Credit - Demanding letters
Im new to this forum but am unsure where else to go for advice on a problem that has arisen. A few weeks ago I received a letter from 1st Credit demanding payment for a debt I generated in 1994 (unsure of exact date as I have trouble remembering what happened last week) with Lloyds TSB. I was young and foolish and didn't…
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help
My wife has unfortunately had her identity stolen, and someone opened 3 catalogue accounts under her name at our old address, 6 months after we had moved out. This was 3 years ago. 2 years ago we started getting nasty debt recovery letters. We supplied Phoenix Recoveries with solicitors letters showing we had moved out…
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Paypoint
Hi, I volunteer in an advice centre, and today we had a client who received a letter from Westcot, which enabled her to pay her debt via paypoint. They sent her a letter with a barcode on to use at any paypoint outlet. I've never seen this before, and it seems a good way of paying. It gives you total control over your…
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Credit Report Advice
Hi all I've just this evening checked my credit report which wasn't as bad as I had thought. I seem to be having a bit of a memory blank (which I blame on pregnancy) and was wondering whether someone could help me out with my questions! * When an account is settled how long does it take for it to show as settled. * When it…
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QickQuid
My OH had a loan with SickQuid for xxx pounds with interest it is now xxx +xxx pounds which we may be able to pay, but they go on to say "Our records also indicate you have a default balance of £102.00." which I will not pay as we havnt been notified of it or how they come to that amount. We have asked them for a breakdown…
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Quidco
Hi , I used Quidco for the first time at the weekend. I bought AA breakdown cover for £121 , opting to pay in monthly instalments. As I am spending over £99 , I should get £50 cashback , but the site shows my account as being credited with £21 ( the minimum cashback amount ), as my first payment is £11. Have I…
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Wonga & PayDayUK
Hi guys, A few months ago I took out a Wonga and PayDayUK loan. I had £100 from both companies. The following month I was unexpectedly made redundant from my job and this left me out of work and in a financial position of where I couldn't afford to pay these loans back. I tried to contact Wonga/PayDayUK about this but they…
