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Progress :)
Im SO happy - ive just paid my first credit card off in FULL :j Debt one GONE - What an AMAZING feeling!! :beer:
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Friday 28th September - 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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Stoptober club - Are you in? Mutual support
Hey DFWers! I feel that this is the most appropriate thread to post this on, and the Khalvashi household is in, so who's with us on no smoking for October, as you're 5x more likely to give up. A few days to go, so lets get preparing an MSE membership club! CK Member 001 - CKhalvashi Member 002 - Learning2Budget Member 003…
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Just been Repo'd .... not sure where to start
Hi guy's 'n gal's I've no idea where to post this so I am starting here and as a (confuddled) newbie i'm sure i can ask forgiveness I currently live with my partner in 'her place' - all is good Tonight I went to use my debit card to find I was denied cash, so phoned RBS to find out they'd sent a new card out to my address…
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Mad.Angry.Mad.Angry.
Never felt so angry with myself, life, everything and everyone in it before. I'm so mad at myself for getting into £4500 worth of debt for what reason? So mad for being stubborn and not admitting defeat when i should have. So mad for staying in this relationship when I just feel like a rag doll. So mad for being with…
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Voters roll
I have recently cleaned up my credit file & have started being accepted for credit, ie current account, mobile phone etc, although I have still been declined sometimes, as I applied for a credit card, and hp finance, I think the reason is because I am not on the voters roll, I applied one month ago to be registered on it,…
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life after a DM
Been free almost a month now ! :j had a vanquais card since christmas now, paid in full every month etc. what else can i do to improve credit rating/score whatever it is called ?
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Discount debt offer - I am SO fuming!
A few years ago my then bank without notice reduced my student overdraft when I was unemployed (but at the time had a h=job offer) without notice, causing me no end of grief, and refused to hear anything other than repaying the debt (which by then incurred charges for bounced DDs etc that otherwise would have been paid). I…
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My sister reopened my mum's Next account, spent over £300 & now my mum is liable
Sorry if this is in the incorrect topic, I wasn't sure where to put it! My sister has been doing stuff like this for years, stealing my parents' credit cards, using their accounts, using blackmail for them to give her money/get her out of trouble etc. She has a serious problem. The latest is that my mum's just found out my…
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Change in Circumstances
I have recently found myself being single and as my girlfriend has moved out I feel I will have better control of my finances. I have £3600 debt which I would like to have paid off by March of next year. This debt is shared between two overdrafts and a credit card. This is a huge saving for me and would leave me with…
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new on here
hi everyone, i am new to this site i have followed it for years now and only just plucked up the courage to join.:j
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how to handle this?
Long story short, i'm being chased for a debt from over 5 year a go. I've received a couple of letters here n there.. first from DLC, then from Hillisden Securities.. not heard anything for years until recently i got a letter from MDB (Mercantile Data Bureau Ltd). They said they have been instructed to take over the…
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Council tax arrears Scotland
Hi Everyone I could really do with some help to cut a long story short my husband has had a pay cut of £600 a month for the last few years and we are struggling with council tax debt we owe around £3000 I contacted the Council to try and come to an arrangement and showed them our income and expenditure after bills we are…
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DMP/ mortgage queries
Hi - new person here. Been lurking for a while but now ready to actually deal with my debts. Am thinking of starting a dmp with payplan. I have a bank account with bank x as well as a credit card and my mortgage. Currently my salary goes in there so I am just changing that so it goes to a bank account I don't have any…
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Payday Loan Hell
Hi Not sure what Im doing as first time on. Please be gentle.:) Just got my wage slip and realised that the whole lot is gone on 5 payday loans so will need to reloan again to pay my rent and bills. Already doing a DMP for card/loan debts. really struggling now. Not quite sure what to do now. Any advice…
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My first experience with the bailiffs (I need urgent help)
Hi guys So I owe a council tax fee of £422.56. I have made few instalment fees prior to this to the council tax and to the debt collectors but due to personal circumstances, I failed to follow through this plan. Long story short, I owe a council tax fee of £422.56 I think they have visited before when I was not at home. A…
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Argos Issues!! Where to go next!!
Hi Guys, Im hoping someone can help me with some guidance or a kick up the backside in the right direction!!, heres the score; I had a default issued against my by Home Retail Group (Argos) about 3 Years ago following some financial difficulties. Recently ive began the process of trying to get this removed. I followed the…
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Just got out of debt and now want a baby - are we crazy?
So we weren't in a huge amount of debt but we were stuggling alot at time with money over the past few years. Over the last three years we've got married and bought a house, all of which left us with practically nothing in savings. We've just bought a house a month ago and we're starting out a clean slate money wise. The…
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Help! CCJ
Hello, I was aware that I had a ccj, now I'm trying to do the right thing and pay it off. It was issued in my name 2 years ago. I had a look on experian and it gives the court name so I have just paid £4 to check out what it actually is :mad: and I'm still none the wiser. can anyone help to get me started on ways to…
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struggle when there's a bump in the journey to DF life
Hi, I'm trying to clear a £5k cc and hoping to be able to do it by next summer. So last night I did what I always do on payday and update my spreadsheet which I use throughout the month with current balance, bills out, money in - but this month I'm -£80 which isn't good. And I fall apart. I'm fed up of the stress of this…
