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Monday 28th February - 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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A friend in need is a friend indeed....
Hello Everyone, I have a dear friend who has just told me of their financial situation...worrying is not the word. I wondered why they were so distant recently and therefore asked them. Please, if you have any advice you could impart, it would be most welcome... According to my friend, they have 4 credit cards, the balance…
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Mackenzie Hall & SAR
I am writing to Mackenzie Hall for a SAR (subject access request) of all details regarding a debt. Also enclosing £10.00 for this - I understand this is the max they can charge. It is honestly worth it with regards to the reputation MH have, am I just kissing goodbye to a tenner and will still not gain any proof of the…
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Hello
I was looking for a 'hi I'm a newbie thread' but I couldn't find one - so I'm saying hi here & now, I'm off to bed in a minute but I'll be back tomorrow - fresh & ready to start sorting my life/debt out! Max
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Running before i can walk or slacking off???
well here we go im a little confused as not sure if im going the right way about things but this is whats going on so far: Me and DH sat down last night and had a good talk about £££ and what is going on at the moment we talked about how were in the mess were in and how this time its going to be different and although its…
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QuickQuid/Mackenzie Hall
Hi there, Not sure if I have posted this in the right place - apologies if not. Basically I need some advice/help... I recently decided to obtain my credit report from all three credit agencies. Much to my horror I noticed a defaulted account with Mackenzie Hall for £262.00. I immediately wrote and emailed to them to ask…
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Please help me!
Hi all, So I'm finally pulling my head out of the sand and facing upto my debts! I have old credit card debts and not sure what my best course of action should be. I have bad credit rating so I can't take advantage of 0% credit card offers and be a 'credit card tart'. Should I get a low interest loan to consolidate my debt…
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What are your aims for March 2011
I used this thread for February and thought I would start a new one for March as its just around the corner To quote the OP "I used to do this thread away back when I first had my LBM and many people found it a very positive way to start the month. Just list your aims for the next month and you can look back on them as…
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Full and final payment to Marbles - wording
Hi, I've had sucess with other full and final payments and now only have Marbles and Egg to deal with. Egg are just ignoring me so I'm trying to deal with marbles first and they are not being helpful. Having gone backwards and forwards for months trying negotiate a payment I got to 3,155 on a debt of over 5,000 which I can…
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Weekly Spend Challenge W/C 27th February 2011
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Marching on in March - The NSD Challenge
:j WELCOME TO THE MARCH NSD CHALLENGE :j Let us help you to make March 2011 a bit less depressing by encouraging you to keep your hard-earned cash safe, loved and cossetted with you rather than being used and abused by those nasty retailers. We are a happy (and some might say mildly insane bunch doing battle with those…
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How quickly will your credit score improve after removing CCj?
Hi I want to buy a house and have just bought my credit report to see where i stand. I was really shocked to see how low my score is! Its in the very poor category, which surprised me as i have car finance which ive never missed a payment on, a mobile phone which again has been satisfactory for 3 years and other settled…
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My Confessional
Hi everybody I am hoping this will be a therapeutic exercise! and I know lots of people do this, but I really feel I need to write down what i am trying to do, before I set off on my road to becoming debt free I only very recently had a lightbulb moment (December 15th 2010), I have been living in denial until then. But…
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Statement of affairs
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 1143 Partners monthly income after tax....... 0…
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Credit rating Improvement???
Hi all I have just had a good look at my Experian Credit Report and can see that 5 accounts which were settled years ago are coming to the end of their 6 years within the next week. I currently have a poor score due to 4 defaults which I gained as a silly, irresponsible spender a few years back. I have made all payments on…
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Full and final settelment offer
Hi all, I'm in need of some advice please. I'm ashamed to say that, 2 years ago and out of desperation, I sold a debt to Credit Card Killer. I now realise this was a scam, and I've just received a solicitors letter acting on behalf of Iqor. They are probably the 6th debt collection agency this has been passed to. The…
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MARCH Make £10 A Day Challenge ~*~ All Welcome ~*~
Hello to all newbies and regulars and welcome to another £10 a day challenge. This challenge first started in September 2007, so this will be the 41st Month this challenge has been going. So thanks Batgirl for starting it and Aesop, JesaRose, Sweetpeas and MizMir,who also keep the thread going. I know this first post is…
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hsbc overdraft query
I have a £1500 overdraft with HSBC. I have had it for a good few years now. It gets reviewed and usually renewed on an annual basis. I got a letter recently, telling me that my o/d comes to the end at the end of March but they have reviewed it and they are pleased to offer me a new one on the attached terms (same…
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Managing two wages
Hi there, I am just after some advice. My partner and I have around £20k in debt. He is paid weekly and I am paid monthly. The monthly wage pays the rent and some other bigger bills but the weekly wages just seem to come and go and I am not very good at managing it. We have bills each month like sky, mobiles, utilities but…
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~~ Weekly Chat ~~ Week 9~~ Lets Blow the Cobwebs Away ~~
Its a bright day here, well between the showers at least. Hope everyone has had a good weekend and looking forward to the new week. I am fininshing the laundry, ironing to dancing on ice later this evening. Will probably take kids to visit the olds this afternoon.
