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Tuesday 27th March - 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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Protected trust deed
HI :j Me an and my hubby are in our final year of our ptd. However our IP is requesting £1000 not to come after the equity in our property - £1000 we dont have. To be honest i dont see the point of paying it as we were in negative equity when we started the PTD and I dont see the property market having recovered enough to…
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How do I fund a new boiler with bad credit rating???
Hi I haven't posted for a while but thought I'd try for some advice. British Gas told us we need a new boiler although we can still use ours but it has "reached the end of its life". Anyway the sales guy came round and gave us all the information and the prices. Unfortunately we were both refused the credit - something I…
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Statute Barred
Hi I recieved a letter today detailing I owe money to Bryan Carter something to which I was unaware of but I believe it could be an old credit card, but I have been reading around and have learnt that after a certain time the debt becomes statue barred is that correct? I am unsure how long I have been in the credit…
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Selling the house, paying debts - feeling free
Some folk might think I'm barking mad but having exhausted many avenues and losing so much sleep I'm selling my house and paying off my debtors. Then renting it back. All done thru a rich friend who I think will pay for asking (reasonable) price and we're talking of reasonable rent. I looked at a DMp with CCCS and whilst…
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My Full and Final Journey
Evening All. As I have posted before, I have been on DMP for 2.5 years. I have inherited some money (my Mum died so needless to say I'd rather be poor and have her with me). I have decided to go down the F&F route rather than to pay off my mortgage. I owe approx £56K (down from £79K), and hope to settle with £28k (50%),…
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Mastercard Pre Paid Cards
I got one of these the other day - to build my credit rating. Costs £65 per year, which I'm fine with as it'd be cheaper than getting a loan that I don't need and paying more in interest... My question is... I have Credit Builder on it. Does the £5 fee a month build my credit rating on it's own, or do I need to top it up…
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Hassle from unknown debt advise agency
I'm not in debt which is nice, sadly I'm getting constant SMS messages about free debt advice right offs etc... From +44 7955762011 is this a scam or a legit number as no company name etc.. Not sure how they got my number either.:mad:
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Is it better to cancel my credit card?
Hi All So I posted a few weeks back about improving my credit rating, after advice from people I had decided I was going to keep my cc (after transfering the balance) and spend a small amount on it each month and pay it off in full. But the more I think about it I don't trust myself to do this! I have reduced my limit from…
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please HELP !!!
hi, im am a 25 year old single mum, with about £13,500 debt ccs, loan, store card and catalogue, mostly to keep my little one in clothes and fed and bday and xmas presents!! i am thinking of a debt management plan ! i have been scouring the internet today reading reviews on different companies... baines and ernst i have…
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Capital one WWYD?
Hi so I've kind of had a mini lbm and determined to sort my credit file once and for all as much as possible, got myself in a mess 6 years ago, paid off all the debts and got a capital one to build my credit rating. Fast forward 6 years, and I've got a car loan (the intention is to pay this off asap making overpayments)…
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Debt Consolidation - Parental Loan
Hi Everyone, I am wanting to consolidate my debts. Unfortunately I am unable to get a loan to cover the approximate +£7k of debts because of my poor credit rating. I am also very much in need of a car after my engine blew this weekend! :( I am on the verge of asking my parents to lend me the money via a bank loan if they…
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Some advice required - 1st Credit
Good afternoon all, I posted on here approx 6 months ago about 1st credit chasing me for a debt I had forgotten about, they sent me a copy of the agreement which mine and hubby's signature on and after I searched my credit file, I agreed a payment plan, this plan has been in place for around 6 months and I have paid on…
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To keep a cleared Very account, or not to keep a cleared Very account!
Hi All, Just a quick question I'm hoping you could help me decide... I've just cleared my Very account, and I don't particularly want to keep using it as ever since my mini LBM the thought of using credit for frivilous things makes me feel uncomfortable..! My query is, for the sake of my credit report should I keep the…
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Cabot - Advice Needed
Long story coming up sorry ! In 1999 I defaulted on a Bank of Scotland current account (The balance was £900) this was in joint names with myself and my wife. The debt was passed to Blair Oliver and Scott and we agreed repayments with them, in 2006 the debt was passed to Cabot and was now £5450 !, this was queried as…
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Payday lenders original loan + 1month interest?
...one issue that has come up often is this notion that payday lenders can ultimately (if they went to court) only claim the amount lent plus only one month's interest. No one can give me the legal/oft basis for this and I reckon it's an urban myth. The reason I was digging around for this info is that my brother has taken…
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Closing an Account while in an Overdraft?
What are the options? Would the bank close the account if I asked and then we agree a monthly repayment for it? Is that possible? Advice please.
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Tax rebate but no bank account??
My DH had a tax rebate letter today :j but unfortunately doesn't have a bank account. His JSA gets paid into my account, he is worse with money than I am :o So..... how does he go about cashing this in?Will he have to get a basic account? Or will my bank allow it to be paid into my account? Thanks x
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Today is really not going too well :(
I have lost my keys. I literally have no idea where i put them when I got in from work yesterday. So, this means I'm stuck in my flat all day, until the OH gets home. (We lock the main door to the building as us and the tenant in the other flat feel safer, and we don't want to get robbed). I also have not much food in the…
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Property Ladder or Debt Free?
Hi, I could do with some real help! I currently have a 95% mortgage for a house I bought with my ex nearly 5 years ago. The mortgage is up for renewal in 6 months and I would like to take his name off (as was agreed between us), but to do so I would need to remortgage, and I'm not sure that I'll be given one as was based…
