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Friday 4th May - 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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Start of the long road to freedom
Having got myself into a right mess with the dreaded payday loans(6 with a total of over £2000:eek:)and making myself suicidal with stress,i am trying to pull myself out of the "it will sort itself out" spiral and start to take control of it.Have got the paperwork to open a new bank account,just need to find a professional…
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Self Employed Sole Trader possibly going bankrupt...
Hello Everyone. Let me start by saying what a wondeful site this is indeed!... :beer: I have recently realised my debt has become a major problem, and after a bit of searching online for advice, came across this website. I have been reading the posts for over a week now, and have finally plucked up the courage to post a…
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Your Advice Needed Please...
Hi There...I have been looking through these forums for many a year, using the valuble advice that is given, but have never wrote anything myself....till now. I have been struggling financially for a while now, and my circumstances have taken a dramatic turn....as in I am a single parent with 2 young children, and have had…
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DAS issue
Hi, I have debt that were accumulated during a previous relationship. I have been paying these all myself since the seperation. In the last year I have become very unwell and had lots of time off from my job. I then was on SSP for the last few months. As a result I have fallen behind with my previously immaculate finances.…
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Letter Template/Letter Guidance Needed.
Hi all, I posted a thread on here a couple of days ago explaining about how I was dragged in on debt for a British Gas bill due to living in a house share with a tennant who hadn't paid some bills. This has now been passed onto BC&W, but I really want to get it resolved. Without going into the matter once again, i'm making…
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Can I cancel my home insurance?
I pay monthly and I am with M&S (AXA) Can I just cancel and stop paying?
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old credit card debt/ ppi claim poss
having had a capital one credit card debt that has been sold on to DM company and arranged a repayment offer, i was wondering if it was possible to find out if i had ppi on this card and if so wether it would be worth claiming a refund. I also had a number of charges on this account which i could have possibly claimed back…
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credit report question
Just been looking on noddle and i noticed that i had defaulted on my egg loan (knew that) they have obviously sold it on to apex. But on the report it says dedault, default, default, etc. Then it says settld an the default is now with apex.So does that mean its another 6 years till the default drops offor is it the same…
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i need help with regards to DMP
Hey, me and my partner are in debt to the tune of around 11,000.00 all to Provident Loans, in total we are supposed to be paying 780.00 and simply cant afford this. Is a DMP the right option for us. I only work part time and simply cant manage to pay all the incoming bills. i need some urgent advice
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Debt help - what next?
I simply do not know where to turn next. I have had loans off family members but still I find myself in a multitude of debt. I got into payday loan debt last year due to a gambling addiction. At one point when I couldn't repay I even took an overdose to try to get everything to go away. I'm 20 years old and working full…
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Hurrah for PPI! Was worth the shot!
Just a quick post to encourage people who aren't even sure if they took out PPI to attempt to reclaim it anyway... I had a couple of smallish loans and then top ups to those loans years ago (to buy horses! Wonder if they would accept that as a valid reason now... I am guessing NOT :D ); they were paid off over 5 years ago…
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Refund made in error
In December my former car insurance company paid £160 into my account, 3 months after my contract with them had been ended. I was told that it was due to a system error made in Feb 11. They are now pursuing it and have given the account to a debt recovery firm. They told me that they wrote to me but I never received the…
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Bank increased standing order for loan
Hi, I'm hoping someone will be able to give me some advice. My dad has a loan with Yorkshire bank (who his bank account is also with) and due to redundancy last year couldn't keep up the payments. Long story short he now has a job and had (he thought) come to an agreement to pay back the arrears. They agreed to set a…
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settlement problem
Hi Everyone, would love some advice please as I am now really worried and know that it is my own stupid fault. About 4years ago I had a breakdown due to a family member dying and had to give up work me and my husband had about 30,000 worth of debt and I was the main earner of our family. for about 6 months instead of…
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Clueless about how to manage my debts
Hi there, I’m new to the forum and unfortunately far too naive when it comes to finances. I tend to bury my head in the sand and just ignore the situation, which I realise is the worst possible thing to do. I’m trying desperately to be more proactive and to clear my outstanding debts, not least because we’re hoping to move…
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iPhone 4s - GETTING THE BEST DEAL FROM ORANGE
Hi all I have been due an upgrade for over a year now, so I am currently on a rolling contract with Orange. I would like to get an iPhone 4s, with the best possible deal available. I''ve compared talk plans across the main network providers (Orange, Three, Vodaphone, T-Mobile, O2) and Orange are AWFUL in comparison!!! The…
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DMP - Early settlement and the hidden fees
I'm not sure if anyone on here can help me but I'm getting no where by myself, so here goes.. I instructed Immediate Financial to help me get out of debt back in August last year. I had 5 creditors and the total amount owing to them was somewhere in the region of £13000. Immediate Financial charge a set up fee for their…
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default notice removal
Hi all, I have received a copy of my credit file andgiven it to my mortgage broker and because there is a recent default on there,the lender he has gone to won’t accept me. However the default has a last update date of Novemberlast year and I know for a fact that the default must have occurred well over 2years ago maybe 3…
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HELP with barclays
Hi guys, I'm new here so apologies if i'm in the wrong forum etc but really needing some advice. My hubby has had a barclays overdraft since april 2007. over the last (at least) 3 years he, under my influence, has called and asked to cancel the PPI on this a number of times. I remember that on the first occasion he was…
