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Tuesday 4/08/09 What small dfw things have you done 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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Dont no a way out quick
Can anybody help I have debts of between 13-14k As i work and can afford to pay the monthly payment each month i can not find any help any where but have worked out that if i keep paying what i am or even a bit more will take me over 100 years with the interest payments alone. I cant go on a debt mangement plan as i can…
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Payplan interview today..
Hi all still new to all this. DH and I had a meeting with payplan today and even though we are not even out of the woods, it seems a huge relief that someone we have spoken to hasn't made us feel awful, but as said even though its just the begining of the process (we're going for an IVA) it just feels a little weight off…
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payday loans advice-quickquid,payday uk, wageday advance!!! dmp
ok i have 8 creditors and i am looking to set up a dmp on my own. i have worked out my total debt and pro rata payments and have all the letters drawn up to send to all creditors. my main concern is my payday loans one with quickquid for £600 one with payday uk for £210 and one with wageday advance for £200. these amounts…
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Macenzie Hall
Please help, my boyfriend has a £6000 debt from over nine years ago which his ex left him with, he decided not to pay or make any contact with them and didn't hear anything from them as they didn't know wher he was living. Macenzie Hall contacted him about 6 months ago and he gave in to paying them £25 a month, they have…
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Where to find letter templates?!
Hi, I'm probably being blind but I have searched the forum and main site aswell as looking through all the newbie intro posts and I can't seem to find the letter templates for offers to creditors...if someone could point me in the right direction it would be much appreciated! Thanks!
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advice on my 6k overdrawn
Im currently 6k overdrawn (4k with halifax and 2k with barclays) im upto my limit in overdraft, they gave me 6k and im overdrawn with about £100 of that to spare. The reason for the above is because ive been out of work, but im back in work now and start my new job next week. Has anyone got any advice on the best way i go…
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my retired mums council tax arrears
hi all, hope this is the right section. basically my mum is a pensioner, her only income is her state pension. she has council tax arrears and is currently paaying £20 a week which is what the baliffs told her was the minimum. this is causing her to really struggle through the weeks as she simply cant afford it. i have…
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Full and final offer to DCA - Blair Oliver
Hi Advice please - I have a £23,000 debt with Blair Oliver and wondered whether anone had had success on a REDUCED full and final offer with them? I am thinking of using my redundancy payout of around £10,000 to make them an offer? The original lender BoS has supplied the CCA. Anyone with any suggestions or had a…
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Debt management plan help
We have been on a DMP for almost 3 years with no problems until now. One of our creditors will not accept our continuing offer unless it comes from a DM company, we have continued to make the payment which is £5.00 a month while they continue to apply £12 .00 of charges each month. The debt with them is just getting bigger…
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Repaying Natwest Loan Early
Hi, Does anyone know if you can make extra payments to a Natwest loan? I am not in a position to do this at the moment, but once my credit card is paid off in around 4 months, i will be able to pay around £800 per month to my loan, rather than the £226 I am paying at the moment. The loan amount was for £11k over 5 years, i…
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Alliance and Leicester chasing loan I didn't take out
I've had a loan fraudulently taken out in my name with Alliance & Leicester, this has been reported to the police, and I have informed A&L that I did not take out the loan and given them the crime reference number back on the 19th June. However I'm still getting letters and phone calls from A&L chasing this account, last…
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The Future
Hi all I am thinking alot about money lately and the future. I am coming to the end of my DMP and things are looking up - in October I will have spare money and my husband is going to also help me to put all of this together and finalise all of my debts. Thinking about the future, is there any way I can build my credit…
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Paying off a loan via 2 credit cards
Right - I wonder if someone could help me? My husband has a flexible loan with Cahoot (spending on it is joint - our wedding) with a balance of around £2000 on it and stupidly high APR (about 23% :eek::eek:) I have 2 credit cards - 1 LloydsTSB and 1 Debenhams. The Debenhams one is currently offering me 12 months 0% on…
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Cancelling (HP) credit agreement
Hi , Need some advice off you kind people if you will , Our television blew up yesterday and because of bad credit we went to buy as you view where we chose a tv and will be delivered tomorrow , Only signed up this morning. I have been sitting here all day worrying that I have done the wrong thing and want to cancel…
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Abbey problems and in BIG DEBT
Hi As you can see below I am in serious trouble. I am lone parent and was flooded last year resulting in complete overhaul of house and not enough insurance - result large overdraft which I though I could clear when i remortgaged this year. Abbey wrote to me and offered me 3.9 for three years fixed with no arrangement fee…
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I've just lost my job and need to manage all debts
Hi everyone, i really need some help here as I've been on the edge for a while and now losing my job means it may push me over. I have a £2000 graduate overdraft account with Natwest, which is at the limit. I have a £750 student overdraft account with Barclays which is close to the limit. Both of these accounts are with…
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admitting my debts :(
think i going to spending fair bit of time here in the near future. i am admitting my debts to myself at long last :( i owe round bout 26k all on credit cards (4), apart from one overdraft of £2000. i'm very embarrsed and ashamed of this, while i write this the tears are falling. i have spoke to someone on the national…
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Which way to go?
Have mortgage of about £63k, half of which is still on 5.99% fixed til Feb '10. Mortgage is £364 pm so it'll go down a bit more in Feb. Have £13,000 roughly in debts -credit cards, balance transfers. I have 5 cards in total and only my Tesco Card is used for purchases (to collect points,) balance £482 ish. My MBNA has £4k…
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Getting A DMP going. Help!
Hi there, I've just found this forum and, well, I need help! It'd be utterly awesome of somebody could answer my questions :) Trying to keep things brief, I want to set up a DMP. I've been waiting on a new job to start for a couple of months and, finally, the other week it began. With the CCCS's help I worked out a budget,…