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How do I go about setting a challenge to clear my debts???
Hi all, Hope you can help. I'm in debt to the tune of about 20,000, we lost our home having sold it to repay creditors and feel like we are facing an uphill battle as I'm sure lots of people can empathise with. I'm so keen to make this a better year, having just watched my 2 year old son go through major surgery and come…
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What will you spend, Sunday 13 January.
Morning all:hello: Should be a NSD here:rolleyes:, but I might have to purchase an umbrella (it's gonna be pi**ing down this week:rotfl::eek:). Hope you all have a restful Sunday, and enjoy the roast
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Credit Expert charged my credit card
Not best pleased - I rang them up last week (two days before the end of my 30 day trial) to cancel and today I notice that they'e charged my card 6.99 Anyone had this before? Did you get them to refund it / is this going to be months worth of hassle now? (Sorry if this is in the wrong forum by the way, but you lot always…
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The Money Shop & First Credit
Hi All (just wrote this out once and it said that the message was too short grrr) Ok, i am after a bit of advise I have previously used the money Shop's 'cash before payday' service (for anyone not familiar with this, I write a cheque in their name and they give me the value of the chque mins £14 fee, they then cash it in…
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DFW 2008 - our year to shine
Just wanted to post this and share why this is so special to me. http://www.dailymotion.com/video/x18edt_take-that-shine-exclu_music Please watch & listen - you may "heard" it before but until last year I hadnt. This song is so much about my journey - not just the debt free one but the weight loss one, overcoming one &…
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Am I being stupid???
Okay - deep breath.... OH and I are currently aiming to save £500 - £700 a month towards a deposit for bigger house and paying off student loan debts. However, we've decided that we'd like to try for baby number 3 (definitely the last!) and this has changed my goals somewhat. Before baby comes (late this year? next year?…
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whats my solution please
hi, i seem to be in a right mess.. only 1 year ago i was debt free believe it or not , since then ive been through hell and back due to reasons beyond my control and not due to wasting cash. i owe about £50,000 sounds alot but i have the following combined income of £38000 + £16000 total £54000 ( although the wife is on…
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Red Debt Collecton Services
I received a letter from Red Debt yesterday morning as follows; Dear Mr XXXXX Our Ref; xxxxxxxx Original Creditor; 1st Credit Balance Outstanding £413.86 Thank you for your recent comments regarding the above matter. We have noted your comments and would like to draw your attention to our letter dated 14th November 2007, a…
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Red Debt Collecton Services
Hope this is the correct place. I recieved a letter from Red Debt this morning as follows; Dear Mr XXXXX Our Ref: xxxxxxxxx Original Creditor 1st Credit Balance Outstanding £413.86 Thank you for your recent comments regarding the above matter. We have noted your comments and would like to draw your attention to our letter…
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MBNA Min payment
I know this was being discussed last week, but dont remember seeing an answer. MBNA has changed its min payment to 5%, and the £5 minimum (when on 0%) has gone - but only to £10 minimum. just thought I would let people knoe for definite.
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DFW Sunday Confessional 13th January
Forgive me Martin for I have sinned.... Herein lies the place in which to repent ye wicked non MSE/DFW sins... Repent and ye shall be forgiven!
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Bank Charges Song
has entered at number 39 :j
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FMOW's road to a debt-free life, 2008
Morning all Well its the first day back at work and i'm full of good intentions! (of the DFW variety, not to actually do any work :rotfl: ) The chances of becoming totally debt free this year are slim but i definatly want to get rid of the CC and overdraft, leaving only the car loan to sort after that. I had big changes in…
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CCJ letter from Northern Rock... what do I do???
Hi. I received a letter from Northern Rock (my mortgage provider) on Friday to say that I had arrears on the loan part of my mortgage (mortgage of £56k and just over £10k loan) and that my file has been passed to solicitors for CCJ. They said that I had 14 days to pay the £10k outstanding. I cant pay that in that time so I…
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Debt Elimination
Hiya I am a fairly new MSE subscriber and have been approached by a company that has offered to wipe out any credit / loan debt for a flat fee of £750.00 (paid upfront). They claim that once you sign a loan agreement the bank effectively 'stamps' the back of your form and use your own money to finance the loan. This is…
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Repaying our loan
Hi all Could someone please give me some advice regarding our Picture loan. I have been looking through our figures and, whilst it got us out of a big hole a few months ago, it appears that we will owe more than double what we borrowed if we pay it back over the full term (25 years). However, we will end up paying nearly…
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Postdated Cheques
Hi all Just after a bit of advice, I sent a cheque off to CER to clear a debt for £810 last week and dated it the 26th Jan as agreed with them so it would come out when I get paid Then on Friday it tried to clear out of my account - CER just apologised for doing it and basically didn't care, and this complete jobsworth at…
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Forgive me fellow DFWs......
.....for I have sinned!!! My first ever niece was born yesterday, and I was so excited I've just blown £50 on presents for her. Oh deary dear.......... I got a lot for that £50, but I still feel a bit guilty. She can wait till Christmas to get spoilt again I think!!
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CCJ, How long does it last?
Hi. I am just wondering if anybody can clear this up because I have been told lots of different things. I have a CCJ but i need to know how long they last. Mine was given to me in 2001. Does that mean that it is now gone? Also, do i have to declare it on any further credit applications? Thank You
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Just had a reality check with the snowball calculator!
I was just re-doing my snowball to take into account swapping some of my credit around and i forgot to fill in the amount i pay every month, it therefor calculated my payments based on continuing to pay the minimum amounts every month. If i did that my debt free date wasnt until 2039!!! Its a real eye opener, as i know in…