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Mon 6th June - What Small DFW-Style 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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Gotten a bit behind again
So my tax credits have messed up and I have a few direct debits which are about to go out with no funds. I've posted as much stuff as I can for sale etc. Can anyone give any advice on damage limitation? Thanks in advance
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Gambling
Hi I don't know where to put this. I have had the odd flutter on gambling machines. When I was in uni I did gamble a lot of my bursary and felt so guilty about it. I did stop as other things took over. Anyways lately I have been using online bingo site and have set limits but removed them today. Today I've spent £350 on…
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Vodafone Ruining My Life
Vodafone have put a default on my credit report and are causing me undue stress and anxiety due to a phone I had stolen in Barcelona. The thieves stole my phone and within a few hours racked up a bill over £2,000 by rimgimg premium numbers and putting them on hold to ring the same numbers - over 900 calls were made. It is…
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SOA-advice appreciated
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 1000 Partners monthly income after tax....... 0…
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Help on getting back on the straight and narrow
Looking for a bit of help and guidance I have managed to accrue quite an amount of debt, not through any particular way just through my bad management of finance and overspending when we don't have it. I am married and have 2 children, the debts are in my name only Currently I am meeting payments on all debtors but by the…
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Credit file AR help
Hi, just looking for a little advice I checked my credit file last night via checkmyfile and was a bit shocked to see that in July or August 2012 i had an AR marker showing on a HSBC credit card. it was the very first month the account opened Checked Noddle and Clearscore and they seem fine. I went into the bank and the…
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SOA please offer advice.
Ive not included debts etc as at the moment I'm not paying off any of them and want to get my SOA sorted first and then look at how I'm going to pay them off. I feel sick just looking at it, I know I'm out of control at spending so please don't be too harsh but I need to hear the truth to sort my head out. THANKS IN…
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Sat/Sun 4th/5th June - 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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CCA help please
I requested CCA from a particular CC with my payment. I received back some paperwork which I'm unsure if it's correct/adequate Included was....as stated in the covering letter..... Original true copy of credit agreement Original true copy of T and C Current copy of credit agreement as varied Current copy of T and C as…
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Small claims help needed please
Hi i made a claim against one of my window cleaning customers that had a outstanding bill over a long period of time. The amount was £21 (Was about the principle) I have just had a response from them and they have paid the £21 into my bank account, Should my £25 fee also be included? Thanks in advance
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Any way to get rid of this Wonga Default? (incl. steps already taken)
Hi I took out a Wonga loan of £780 on the 8/7/2014, at a time I was in financial difficulty. I rolled it over and incurred more interest, then made an initial payment of £153.48 on 6/12/2014. I then agreed to a payment plan on 28/2/2015, paying £100 and agreeing to pay £100 a month, having being threatened with a default,…
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Some advice plz
Hi hoping someone can help . I've recieved a letter from a debt recovery company it says that there collecting an unpaid debt on behalf of Santaner for £104.05 I moved a year ago and am pretty sure I settled any balance I owed with them before I did ! I no longer even have the credit card or any paper work related to the…
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Proof of debt
I had a letter saying I owed £4,500 for an Abbey National debt. I sent a letter saying I have never had an abbey national account or loan could they send proof. I also said "I look forward to hearing from you within 12 working days". Well those 12 days have come and gone and I've not received any proof I owe it ( nearly 2…
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A good plan to clear credit card debt?
Forgive the lengthy post however I'm after some advice on how to get out of the situation I'm in; which is one of increasing my debts each month to get by. The Background I'm 29 years old and late last year came out of a 10 year relationship. I have three children from this relationship who I pay maintenance for at £301.73…
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Friday 3 June 2016 - 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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parking charge problem
Hi Guys i got a bit of a problem and hoped someone could give my their opinion Ill start at begining I was givin a letter from DRP (PCN) asking for £120 for parking in asda for longer than free time allowed . The allowed time is 3 hours max . I looked at the evidence which is two pictures , one is timed 13:38 other is…
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how many people know about your debts?
How many people know about your debts? At the moment it's just me, my partner and a close friend ( the friend doesn't know the actual figure) Are you open about it to your friends and family or do you keep it under wraps? If you haven’t already, join the forum to reply! [purplesignup][/purplesignup]
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Changing Date of Default
Hello again everyone So I have a debt that was originally with Egg, then moved to Barclaycard and is now owned by PRA Group. I am putting in a CCA request in the morning in the hope that evidence of unenforceability will make my position stronger when negotiating a F&F payment. In the meantime, I've had a look at the…
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working several jobs to get out of debt - tax question
Hi I wonder if any of you have taken on several jobs to enable yourself to get out of debt, and managed to do so in a way that you aren't paying tons of income tax? im a nurse working for the nhs on a zero hours contract - I work about 50 hours a month and have this as my main job so it has my tax code - 111L. (I pay nhs…
