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how to build an emergency fund
WIth finances generally being squeezed so tightly and a personal LBM happening about the horrors of CC debt/interest I was hoping for some advice on how people have built up an emergency fund whilst paying off debt - what little tips can you share? how much do you try and put in an emergency fund each month?
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In a lot of debt - please help!!
Hello, I posted a little while ago about my financial situation - basically I'm in a lot of debt - I was advised to do a SOA before anyone could offer any real advice so here we go....makes pretty depressing reading I must say!! :cry: Household Information Number of adults in household........... 2 Number of children in…
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fredrickson international
Hi guys need some info. I got a letter from fredrickson stating that i owed £453 for a mobile account, i asked them to prove it to me as i honestly have no recollection of they sent me a balance sheet that made no sense at all. So i then asked them for a copy of my credit report and gave them a pound postal order. They…
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lowell /statuebarred
Hi guys my friend has just shown me a letter he received today it states it is a settlement offer, at the top its says MR R BLOGS-VLOWELL PORTFOLIO1 LTD/STATUE BARRED DEBT Then goes on to say the debt is for £545 but they will accept £103 full and final settlememnt. what is this mention of statuebarred? is it a trick to…
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'Ex-gratia Payment' shown up on CC bill...?
Morning all! I am just about to begin my (long) DMP journey (first payment to be made next week) and I just checked one of my CC statements to see that a credit of £150 has appeared today, labelled as 'Ex-gratia Payment'. Has anyone else come across this? Is it somehow part of the DMP process? Presumably related, I noticed…
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Back just to say hello.
hi, not been on for sometime . To be honest feeling a bit down , looking like my third marriage has collapsed .i get very moody and think i may be depression The only real good point is our lovely six year old daughter . Shes doing really well at school and i,m so afraid how things will impact on her. I've always been a…
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Just got Written Credit Agreement back...
..... from a requst to Cap Quest - the WCA was dated 15-1-1997 and I'm sure this debt has been satisfied - they still havent sent me a SOA and they said they will give me until 7th April to pay up or else !!! Isn't there some rule that if there hasnt been any contact or activity on an account - they cannot hassle you about…
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Thursday 31st March - 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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registered Experian and now debt letter?
i stupidly registered with experian and then a week later i receive a t-mobile debt letter for 271.00 pounds from RED debt collectors saying i have 7 days to pay or they start court proceedings. Two days ago i was in A & E on ecg scan as problem with my heart. i have mental health issues and have been an esa tribunal and…
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Would you be so kind?
Thank you.
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Avoiding the shops in April - The NSD Challenge
WELCOME TO THE APRIL NSD CHALLENGE Let us help you to make April 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 retailers…
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Hi, new here and want to start a DMP
Hi all, just joined the forum and would like some advice if possible. Two years ago while self-employed, the recession hit me like many others and my income went way down. After years of always paying my credit card debts on time I had problems making the minimum payments. I contacted some of the companies by phone for…
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How long did YOU lurk?
Hello How long did you lurk on the boards before joining and/or posting. What prompted your first post? bib
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Cant get a mortgage- i dont think!
Hi there me and my husband have found a property that we love however i have a few historic issues with my credit file. Although i have not applied for a mortgage yet but i really think that i will get rejected or be on some sort of sub prime mortgage. The problems with my credit file are 1. default from 5.5 years ago; 2.…
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Scotcall letter
A while ago, last year i received a letter from Lowell stating that I owed a debt. I disputed this and sent them the prove it letter. (At one point I did owe the debt, but I settled it with the creditor, so not sure how Lowell got hold of this). Anyway, they wrote back last summer with a copy of the "final bill". This is…
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acccepted lower settlement figure
Hi i have recieved a letter from cap 1 saying they will accept and have agreed to £100 payment as settlement for my account (balance owing £179. now if i send this £100 of do i need to send a letter with it asking for proof in writing that it has now been paid ? or do i just send the cheque offto them (if i need to send a…
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advice needed with debt management plan
Hello, A few years ago,I contracted a debt management plan with DCM money solution. I recently learned that DCM went into default and was put into administration on march 02, 2011. i have been advised to contact ClearDebt group who has apparently bought back the data from DCM. I contacted ClearDebt group and discovered…
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1st Credit
Hi I hope I've posted this in the correct section. I am asking for a little advice. I owed Untility Warehouse £57.00 which was billed after I moved out of a house 2 years ago. 1st Credit recetly wrote to me and said the debt had been passed onto them. I am in the process of negotiating a final payment via their supposedly…
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Has anyone ever been taken to court by a payday loan company?
I have several paydayloans which I have defaulted on. I am going to pay them all back, but not as quick as the lenders would like. Has anyone ever been taken to court or know anybody who has been taken to court by a payday loan company?
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Is there any relationship between MACKENZIE HALL; CABOT and LOWELL financila ltd?
Hi, My friends. I have a question there, is there any relationship between MACKENZIE HALL collection company; CABOT financial and LOWELL financila ltd? Thanks very much!