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Newbie saying hi
Morning everyone, A newbie here popping on to say hello, finally decided to join after reading so many fantastic posts :T Definately had my LBM and have a fantastic reason to sort my debts out as I am getting married next year, so the aim is to clear the debts and have a true DFW wedding :o Just starting to go through my…
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Lightbulb moment has happened
Hi all, I've been on here a few times but never really dealt with my debt, unfortunately had a bad year so far so just had lots of other things to focus on. Anyway I have decided now I want to focus shifting my debt. It was jointly acquired by myself and my son to be ex husband but I will be paying it off alone. I am a…
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Please help with Orange debt
Hello everyone I've been rather stupid. I'm currently trying to get up to date with all my debts so I've paid off my Overdraft! Yipee! Unfortunately though I've came back from holiday with a £500 mobile phone bill which I can't afford. The bill is so large as I used my data a lot which obviously is all my fault. I can…
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Advice for an unsupportive partner
I am recently breathing a huge sigh of relief that our £50k debt has been turned into a mortgage and the letters and baliffs have stopped. The stress of the situation nearly cost us our home, our relationship, everthing. I have vowed never to be so stupid again. I have made plans to save and to pay off the mortgage asap. I…
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Default Notice - Signature required?
Hey all, A quick question which I think may need some clarifying. I've read several threads on MSE and articles about what information must be contained within a Default Notice and the time frames required etc. But there is one question which I am really struggling to find the answer for. Must a Default Notice have a…
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Potentially Saving for a Car - advice on cost?
Hi, I've been toying with the idea of buying a car for a while now, but before anybody jumps down my throat at the extent of my debts, I'll explain a few things - 1) I'm not in a position to buy one yet, this I'm aware. 2) When/if I do buy, I'm looking at spending £1200. From what I can gather, this seems to be a sensible…
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Weekly Spend Challenge W/C 23rd September 2012
Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Argos and Very!!
Hi All, Please point me in the right direction. Over the last year or so, I have managed to get repayment plans in place with most of the people I owe to, and most have been very good and as I have been faithfully paying they do not really give me any bother. Argos however have other ideas. I was paying back the agreeed…
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Vodafone & Ombudsman witholding information
Help !!!!!! We have had an issue with Vodafone for nearly 18 months my husband had an 18 month contract with them! About 6 month in to the contract he started having problems with the phone freezing mid way through calls...... to cut a very long story short we ended our contract 6 weeks before it was due to end because of…
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Help with bank account and credit card debt required
Hi All I'm in a sticky situation and trying to find away out of it. I have been having money problems for years, but it is at the point now that my bank account is causing problems which is pushing me further in to debt. I have an overdraft which is overdrawn and the amount of money coming in to my account means that a few…
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So viewed my credit file for the first time.
Quick Background Me and the girlfriend are getting married next August and have been discussing looking into saving a deposit after to but our first house. I have been in a good job with good pay and great prospects for a year now and can finally think about getting a house. However, we both have been poor with credit and…
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Disabled and need money for wheelchair and equipment
I hope someone can help me. This is a bit complicated so hope not droned on too long! Myself and my husband currently have a mortgage on our bungalow. My mum died suddenly two years ago and had a lot of small debts with clubs, stores, etc. amounting to about £15000. We were lucky in that these debts were written off. There…
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Almost at breaking point!!
My story is probably very similar to alot of you on here, and in someways I am really annoyed at myself for feeling so sorry for myself, but I am really at breaking point. Very cliched: my husband of many years left a few years to marry to office tart and is now having a baby at the end of the year. Doesnt pay child…
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Requesting data to SHOW on Credit Report
Hey guys, just after a little advice. I have almost finished paying a bank loan that I took out to pay for my Masters degree, my last payment comes out in about a week. So, in total, I have paid back £7500 over around 24 months (can't wait to have the £350 a month back in my own pocket!). I recently applied for a credit…
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Re Whatsthecost
Hi all, Is anyone experiencing problems when logging into whatsthecost today? Keeps giving error message and wondering if the site is down or its just me? Thanks Tonix
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MBNa debt sold to varde being collected be experto
Hello, Has anyone experience of their MBNa debt being sold to varde, an Irish company, and then collected by experto. If so, any recommendations on how to approach this? Many thanks Cody
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Saturday/Sunday 22nd/23rd September - What small DFW things will you be doing this we
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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Credit card debts -moving to care home
Hi, My father is 85 and has just moved to a care home after a fall that caused brain injury leaving him quite confused and unable to manage his finances. He has no assets, lives in a rented flat, and owes £10K on 4 credit cards. His stay in hospital has left him with about £1500 in the bank from his pension. Care home will…
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Life after debt!
I am currently looking at being debt free in about 2 years. We are currently on a DMP with the CCCS. (Been so helpful) We entered the plan just after my son was born, he is now 7! So after 9 years in debt, we are looking at life debt free, I have 6 more years in a well paid job and will leave with a pension (albeit no as…
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advice on removing defaults!
Hi, Please can someone help...i got myself into a lot of debt at uni, Most of this is now paid off..I decided to check my credit score, and have found 2 defaults. Please can someone give me some advice on how to try to get these removed? The first one is for £534, iv read somewhere that the defaults for payments around the…
