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Friday 25th November What Small DFW Things Will You Do 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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Need a bit of advice on best way to sort out my debt.
Hi guys, Im a 20 year old guy (ex student) and have managed to run up a £2000 overdraft and £500 credit card all with lloyds tsb, was just looking for a bit of advice on the best ways to be able to start paying all this off as its stressing me out. I have a good credit rating but have a low income at the moment having…
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Default notice
In 2007 I took out a loan with Halifax which due to loosing my job I fell behind with the payments. In October 2009 after missing 5 payments my parents paid a partial settlement of £4200 (i owed £5200) all was fine with this my credit report said the account was settled and balance satisfied, up until yesterday 23/11/11,…
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PoundsTillPayday and CRS
Hi guys In need of a little advice have tried to offer pdp a payment plan which they refused and said they will not accept unless we use a professional body so we asked for it to be passed to a dca so that we could deal with them instead however CRS have told us they will only have the file for thirty days then they have…
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Capquest demanding money after 3 years
Hi everyone. My first post here. I took out a T-mobile contract in 2008. I got into financial difficulty and had trouble with paying the bill and it was passed onto a debt collection agency. I owed just over £100. They asked me to make a payment of £70 and wavered the rest. Brilliant I thought. So I cancelled direct debits…
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Consumer Rights "Give me my money back!"
Hi I have been reading from this link * Sorry as a new user you are not allowed to post with links. This is done to stop spammers clogging up the site. Please edit your message below to continue. www. moneysavingexpert.com/shopping/consumer-rights-refunds-exchange Who posted this report and is there any where I can find…
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Robinson way ltd
Hi Folks, Wondering if you knowledgable folks could give me some advice/guidance. Been reading this forum for many months now but this is my first post! Very recently, Ive started being harrased beyond belief for a very old debt via Robinson Way, at least 2 letters per week! Im just about to send them the prove it letter…
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1 debt vs 100 days chapter 7
Welcome everybody in the brand new challenge , 1 debt vs 100 days part 7. Rules are plain and simple: set an amount you'd like to pay off within that time and do it. Pay as much as you can, every penny counts. This thread starts 1.12.2011 and finishes 10.03.12. Here's the list of the amazing challengers, please write your…
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Rossendales collect
Help please anyone, My wife has just had a letter from Rossendales Collect demanding £2374 for a credit card debt . This debt has been bouncing around various DCA's for a couple of years now as none of them would admit to owning the debt , now Rossendales collect want full payment. We have offered them £2 a month as we are…
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Mikes house is on diy sos again, can someone show me the thread?
Thanks I'd like to re read it but cant remember the title x found it on df diaries ta xxx
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ummm...how do i work out pro rata??
hiya, another qu from me today! how exactly do i work out pro rata repayments? ive tried googling how to do it but i dont understand....anyone good at explaining in simple terms? lol :o
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Pay off full debt or partially satisfy?
I have recently recieved my credit file through the post from Experian and it has showed an outstanding debt of £176.02. Me and my partner are looking to apply for a mortgage soon, so looking for some advice. I spoke to the debt collection company today and they were happy for me to pay off 50% of the final total to settle…
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possible ridiculous qu....
ummm...ive been trying to sort out my budget for so long my brain is fried so please excuse if this is a really stupid question..... Ive done my incomings/outgoings on excel and ive done the figures like this 20quid a week child benefit = 80quid a month...but ive just been looking on national debt helpline and they do it…
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How often do you go out socialising when in debt?
I am asking because my hubby is finding it really hard to come to terms with the fact that he can't throw £30 away on sambuca any more. Admittedly, he rarely does this but at this time of year he is in the "but it's only £30" place when the boys are hitting the pub even though he would have to get the £30 from a credit…
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Equifax - Terminology
hi, I've just finished paying everything off!! I've dared to sign up to Equifax to take a look at my abysmal credit score. Hoping someone can enlighten me on what the following mean as its impossible to find out on Equifax! Up to Date - why does this not say 'settled'? Deliquent/Defaulted balance - should this not show as…
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DMP and Insurance
Hi there, I am in the process of setting up a DMP through CCCs. Just one question, I had trouble getting a sensible quote for Buildings and Contents Insurance earlier on in the year. When I was questioning the guy on the end of the line as to why the difference of £1000 between my quote and my neighbour opposite (…
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best for book sales
from reading on here i see that ebay is a no go for books... so which would those of you that sell books choose... green metropolis or amazon market place?
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Budgeting/statement of affairs for debts....help
Hi, just a small question. When doing incoming and outgoing sheets to show how much you can repay...what exactly would be seen as non essential in my outgoings...like cigarettes, haircuts, clothes for my child, playgroups etc, will companies think this is money that could be spent on my debts and force me to repay more?…
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Moorcroft
Hey Just need some advice on Moorcroft. I owe them £18k for a loan, they sent debt collector to my house the other week. I wasn't in at the time so a card was left for me - I called them the next day and they said that I'd need to pay £100 a month but they couldn't cancel the house call - I called the person who was due to…
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DMP or DRO
I'm in about 11000 worth of debt. In theory I should qualify for a DRO(I meet the criteria)but I'm concerned about how it will affect my credit rating, the only advantage to it is that my debts would be discharged in 12 months but that still leaves my credit file looking pretty poor. With the DMP it would take me at least…
