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Friday 23rd 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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Joint Debt and CCJ's
Good Morning, You will probably be able to tell by the time this thread is posted that this has been causing me quite a bit of stress and a lot of late nights. If anyone can offer any advice, then i would be hugely hugely appreciative. Thanks in advance. About 6 years ago, myself and my partner (at the time) bought a house…
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Tesco vouchers
I have £11.50 in tesco vouchers, but someone told me i can double them up.\ does this know if this can be done to buy Fifa 13 for the ps3
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Process for setting aside a CCJ judgement in default?
Hi, I'm a forum newbie so apologies if I have posted this in the wrong area... We've been awarded judgement in default because the person we brought the claim against didn't reply to the papers. We emailed them to him and to the 3rd party he engaged to help him and also informed them that we'd received our hard copies and…
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Help with debt plan please
Hiya Me and my boyfriend have approx £9,726.26 debt to our names! I need help deciding the best pay to pay these off. I have guesstimated that after luckily receiving a pay rise at work we can afford to pay off £950 worth of debt a month and still live within our currant means. There are 6 debts, should I pay them all of…
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Need a little advice please, My SOA
Hello all, I have just joined this site and I am looking to get debt free! I stupidly took out a payday loan and now, I am quite worried because I cannot pay it off stright away. My plan was, to take out a 1year £1000 loan, to pay off the PayDay ones instantly, and then save up to pay back the £1000 over a year. I have…
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Advice : Repayment of Payday Loan Via DM Plan
I have signed up with a Debt management plan to spend the next 18 months paying off my creditors and getting myself back on track. In the midst of organising payments to the companies one particular payday loan company, minicredit, claims they do not work with debt management companies. I have spoken to them today to…
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Dipping in savings
Anyone else save money even with debts but find they are constantly dipping in ? If so what is the best way to eliminate this ? Any ideas - the account is instant access so I lf I want or need I just transfer over to current account !!!!
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advice needed.....
I'm currently in debt with my credit card, ( cut up for the past 3-4 yrs) I fell pregnant and informed them that my financial situation would change dramatically within the next coming months and that I would struggle to make the payments they required. That was nearly 2 years ago. Now, every 3 months I have phone calls to…
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advice please, My SOA
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In Need Of Some Advice
Hello everyone, I was hoping to be able to put something a little bit happier as my first post here, however situations mean that I have to ask for a little bit of advice. The situation is, I am 23, working full time. I have several outstanding bills, which some are payday loans, and some are tax bills. Below is a…
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took the plunge
Hi all, have just done a soa and was surprised i have ANY money left at the end of the month, where does it all go. I did start a spending diary and just put in things like Tesco or Asda, should I have listed what i spent, a bit confused about that one. I read this site constantly and am amazed how people have coped with…
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Aqua card collections
Does anyone have the freefone number? I seem to have lost it in the reams of paperwork i have. They have just rejected my proposed DMP payment and i need to shout at them. Thanks
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Here I am AGAIN!!!!!!
Hi everyone, Ok, so I have done it again. :mad:. We moved house three years ago and managed to virtually clear all our debts with left over cash. Unfortunately due to a combination of the new house we bought being a total wreck, my car engine blowing up and me being TOTALLY useless with money we have managed to get…
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Old debt resurfacing
Hi everyone, About 18 months ago I got myself into some serious trouble with payday loans and had 5 on the go at the one time. They all defaulted and I have spent the last year repaying them through individual arrangements with each collection agency. My last payment to all companies will be 31st Jan 2013, I am so…
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Great inspiration to beat the loanshark
Just read the story on the Telegraph about MP Stella Creasy and Wonga... a quick Google search should return it. I think it provides brilliant inspiration to get one over on Wonga and their competitors! ;) x
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Creditors emails and calls! Advice please! If ok
Hey,I had 3 payday loans with mr lender, swift sterling and wage day advance. I started with a DM company called debt reverse after I paid them the first payment they told they keep the first 2 months money and then only pay 70% of my money to the creditors, anyways, after reading through these posts I realise that it's…
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Payday loans help
hi i have 2payday loads one with quickquid for£900 and one with paydayuk for £600 i have lost my job and cant repay then there due at the end of the month. can i set up a payment plan or will they take me to court
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Thursday 22nd November - What small DFW things will you do today??!
Thursday 22nd 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…
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Long-running credit card debt
I am 26 years old and have had a long running credit card debt since I was 19. The card is with Marks and Spencer and I was tempted into getting it while I was an M&S employee as employees got a lower interest rate. I was given a card with a £3000 limit. I was earning at the time £10,500 a year. Being young I was totally…
