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Sat/Sun 6th/7th Feb - What Small DFW-Style Things Will You Be Doing This Weekend?
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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Please delete thread - duplication
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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I've past the £30.000 marker
..only another £1000 to go and my DMP is over, the end is nigh:j
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HIllingdon Council instructed Bailiff for wrong addresses
Hello Members On 3rd Feb 2016, I recieved two seprate Notice "Enforcement Process Commenced" from Bristow & Sutor which siad I owe London Borough of Hillingdon over 5000 pounds. The account or cusotmer reference on that Notice did not belong to me as I have been paying my Council Tax regulary to thr council from past 7…
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Debt Advice Needed!
Hi folks, Just looking for a bit of advice on how best to get myself out of a bad situation before it gets any worse. Long story short - Apart from a £1200 overdraft with TSB I was 100% debt free until early last year, however I went from PAYE contractor to staff at work. This came with quite a big reduction in salary, and…
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Cca request help please
I'm hoping somebody could just clarify a couple of things for me before I send off cca requests for my loans and credit cards. Dh and I have been on a dmp with stepchange for 4 years, our debts are 2 credit cards, one with tesco, the other originally egg, then barclaycard now transferred to pra group. Plus a loan,…
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Friday 5th Feb - 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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Finally debt free - my story, there is hope!
Hi All I just wanted to share my story & the fact that I am now debt free, in hopes that it will show others who are feeling down, that it really can be done. I have had various store cards over the years which were used on and off, with varying high balances, and I always made the minimum monthly payment, or slightly…
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Credit file markers query
Hi Sorry I am sure this has been asked loads but.... I've just had a default registered on my file, I understand the Default marker drops off after 6 years from the date put on. So what I want to know is what will show on my credit file from now on and what happens to those markers ? Does that make sense? I'm just…
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Advantage Finance making my life a misery
In 2012 I had what I thought was a secure good paid job, I'd worked there for years and didn't expect what was due to happen so I got a car on finance for commuting - my now ex partner signed jointly with me because I didn't have good credit. In 2014 the car was repossessed due to severe financial difficulty and at that…
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Payday Lender Complaint Query
So I've sent a complaint to Uncle Buck about unfair affordability checks and roll overs etc. This is the response I have had today: I am writing in regards to your recent complaint. In order for us to complete our investigation in the most thorough and appropriate manner can you please send us copies of your bank…
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DMP advice needed please
Hi I am in around £25,000 of debt, and I considering entering into a DMP, I just have some questions that I am hoping someone with a bit of knowledge of them could help answer. I have filled in a budget on stepchange, and they recommended a DMP, paying £220 for just over 5 years (£10,000 of my debt is a loan that my…
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Advice pls re DMP and family debt
Good morning I am looking for some advice. I am aiming to pay off my debts as soon as possible and have not defaulted on any as to date. Currently owe approx £6000 on credit cards / overdraft (to another bank) but also have 2 credit cards that my brother took out for me to consolidate other debts, totalling £5000. They are…
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Thursday 4th Feb - 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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Advice on HMRC warning of enforcement action
Hi I wonder if anyone on this forum could provide some much needed advice please? My son and his wife have separated. My son had a limited company and appears to have just walked away it. I don't know anything about the state of the company but clearly it has not been operating for about 2 years. I don't think he 'wound it…
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Keep me on track!
Needing a bit of motivation to keep going - got the debt down to $5,500 now, but I'm fighting the part of my brain that's telling me the kids 'need' a new bunk bed. DS is 7 and has a single bed, DD is 3 and has a single mattress on the floor. I hate that her mattress is on the floor. I have been prioritising paying off the…
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Debt List
Hello all, I am looking at applying for bankruptcy however I am unsure of all my creditors. I do have my credit report but am aware I do have debts that are not on my file. I know some companies report to one credit agencies and vice versa so I am not sure how I can find all my creditors to send to the AIB
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MSE News: Government urged to give those in debt crisis 'breathing space' to buy food
MoneySavingExpert founder Martin Lewis and debt charity StepChange have called on the Government to fix the rules for people struggling with temporary debt...Read the full story: 'Give those in debt crisis 'breathing space' to buy food, Martin Lewis and Stepchange urge Government' Click reply below to discuss. If you…
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1 Year into IVA
Hi All Just a quick question, I am 1 year into an IVA at present and my IVA payments are to last for 6 years in total. I know IVA's mostly last 5 years and then drop off your credit file after 6 years. My creditors wanted an extra year due to the amount I owed. So my question is when my IVA payments finish after the 6…
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Structuring finance
Thanks to DFW board, I feel my finances are thoroughly reviewed and organised. As part of this, I now have an "Annual spends" account, where I put in £120 per month, for things like insurances, subscriptions, MOTs, Xmas and holiday funds. This account sits with a balance of around £600 Considering I'm overpaying my debt at…
