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Friday 11th 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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Removing information from Credit file
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Jbw Bailiffs helppppp !!!
Hi I am new to this but i really do need help I will try and be as clear and concise as possible I have three outstanding balances with JBW for PCNs but they are asking for over £900 pounds to clear them all. I have had letters from them about a warrant of execution and the other day received a had delivered notice stating…
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Another Newbie - SOA
So am a newly single Mum. Lots of debt but get resonable benefits currently, this will change in April as I have higher earnings this year. Here is my SOA; Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 1 Number of…
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How to clear an overdraft??
Hi there, I'm hoping for some advice on sorting out my overdraft please. I have been sitting in my overdraft on my current account for the past year or more. This is an agreed overdraft but I am still paying interest on it (approx. £30 per month). I paid off 2 CCs in January (£1300 and £800 on original balances) and my…
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Thank you
For the first time in years I feel like we are getting to grip with our debts. Frankly, I couldn't have done it without the info and support here.We may even be clear by next easter...depending on how much we can obviously fire at it. Still, I think we get there and in the meantime my cutting down on buying crap has led me…
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Equifax can't count?
Or am I confused. I applied for the free 30 day trial on the 9th of Feb. I rang yesterday, on the 10th of Mar to cancel. This is 29 days. I find later that they've actually already taken payment from my account. Grrr. The people on the phone were of the 'computer says no' variety when I rang back. I'm unsure if I should…
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Lowell Financial turned into Tocatto. Any advice pls?
Hello I'll try be brief as I've read lots on here about Lowell. I had a mobile contract with 3 that ended in feb 2006, I settled the final payment of £38.32 and recieved a letter confirming this. Alas I no longer have the letter. Since 2009 I've had several letters from Red Debt collectors and Lowell financial which has…
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universal debt collection
hi, not sure if this is in the correct forum but here goes. has anyone heard of this company? they say they are based in manchester and are representing universal plc? they claim i owe £300 to this company who i have never heard off before and will issue court procedings within 21 days. [TEXT DELETED BY FORUM TEAM] im…
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Credit Card Debt...
(This thread was originally in the Credit Cards part but i was advised to move it here, so sorry for the duplicate!) Hi there MSE's, hope you can help me with (yet another) situation that has arisen today, just cant seem to get shut!! Ok so, got a phone call today completely out of the blue from HFO Services regarding a…
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What is the best change you have made in your DFW journey?
Hi I was just wondering what is the best change you made in your DFW journey? either mind wise or practically. It can be big or small - im just looking for some inspiration really and would love to hear about things that have helped people! mine so far is meal planning and having separate bank accounts for different things…
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MBNA Credit card debts
Hi I am knew to this and I currently have 3 credit cards with MBNA that I am making reduced payments to, have agreed this with MBNA. How long will they allow me to make reduced payments? What will happen if I continue to make reduced payments of £14 a month? I could possible agree to increasethis slightly. I am unable to…
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Statement of affairs
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 823.33 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 216.67 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Current account locked
Me and my ex-gf had a joint account. There is a £500 overdraft which we had hit. I paid in £250 and we agreed she would then have control over the account. I left it quite a long time before trying to remove my name from the account. The account is now -£700 (£200 over the overdraft) and they won't let me remove my name…
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Does hearing about other people's expenditure ever get you down?
Today I was writing a shopping list at the end of my shift and someone came in and started taking the mickey out of some of it. She then told me that she spends £800 a month on food, for her, husband and two children. I spend a tenth of that, and she couldn't believe it. She seemed to think I must live off rubbish to be…
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Possible Fraud?
Hi - Im not sure exactly where to post this but seems like this may be the best place... Basicallly 7 months ago moved into a rented place, previous tenant had done a bunk and dissapeared off the face of the earth. She didn't owe just to the LL but to every single person imaginable. The debts she racked up were in their…
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Time barred in Scotland?
Hi there, I'm in Scotland. Every year or so I get a letter regarding an old debt that I had. It was never paid as I wasn't in the posotion to do so. It eventually came off my credit file last year and I have been rebuilding my credit rating which is now excellent. I keep getting letters from Lowell something or other once…
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1st credt
We have a debt with MBNA that was sold to 1st credit a couple years ago, we were paying them until last jan when we offered them a F&F settlement. They were only offering a 10% reduction which we could not afford however on another debt with 1st credit they settled for a 40% reduction. So we tried a few times to come to…
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Removing CCJ on my Credit Report that belongs to my father? -- HELP PLEASE --
Hi, have noticed 2 CCJ's on my credit report, which are not mine and belong to my father who has the same name as me and lives at the same address. Please could you inform me the steps as I have to take to get these removed from my credit report. Also how I find out what company has given him these two CCJ's as it just…
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Old credit card dipsute - advice needed
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