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Getting Family To Join in...
Is it just me that seems to have trouble getting the rest of the family joining in on the Debt Free Quest. I must admit I have become a hardcore DFW and keep my spending diary and watch the pennies like my life depended on it. When I admitted to my debts my family (mum and Brother) all agreed that we were in it together…
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Asking for a reduction for lump payment
Hi guys, I wondered if there was some kind of standard letter to send to debtors asking for a reduction in the amount I owe to them for a one-off lump payment? I'm in an unfortunate debt hole but my loving parents have offered to help me out to pay off my debtors. I wondered if becuase I was effectively clearing the debt…
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Should there be a well done button
Often I think that sometime people want to applaud a persons' progress, but not necessarily comment, as much of the advice might have been said. So I thought that there should be a well done button along with the thanks button at the bottom of each post. What does anyone else think? chev
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debt free wannabe needs help
Hi im new to all this so im just gonna explain what it is i need. Im comtemplating wether to get out another loan or transfer my smaller debt onto another credit card. my current situation is - 1)i have one mega huge loan. 2)i transfered my current account from HSBC to halifacx but the direct debits all got paid before i…
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9.5.07 what small dfw thing will you do/have you done today?
Good morning people, newbies and old timers! 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…
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default question
Hi, ive just got my credit report from callcredit and have noticed that i have a default from 3rd July 2001 from abbey for 252. I usually got my credit reports from experien but they never picked this up before! It is still in default and i obviously need to clear this up. as soon as i do, when will it disappear from my…
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Anyone fancy a mutual support partner?
Hi Everyone I had my LB Moment about 4 weeks ago now, cut the cards up went to the CCCS and have written to all the creditors. I'm waiting for my DMP to start (1st December I hope). And I've even sent the first letter in recliaming bank fees back, in for a penny and all that... I have such a scary debt :eek: and first…
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Facing Other Halfs
I faced my other half about a month ago and was worried about losing her but she is helping me through the mess that I created, is anybody out there afraid of telling their partners? It is always a personal decision but will help anybody that needs it
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E & L Pet insurance
Has anyone any dealings with this organisation? We put in a claim for our dog on 1st Feb and they are realy procrastinating, queried our move to another vet, full medical history faxed twice - he's only 20 months and has only ever had routine jabs and no previous claims!! Phone call last week said its with the adjuicators…
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debt collectors letter !!!! and threatening phone call!!!
hi all , just wanted a bit of advice for the in-laws , without going throu the whole long story , ill try to be short n sweet bout it , *in laws owed money to littlewoods , they disputed that they owned the amount that they said ect and eventually it went to a debt collecting agency , they have been paying £5 a week for…
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Takeaways
Hi all! This is something that has been bugging me for a bit - really could do with developing a strategy to cope. The long and short of it is this: I have debt problems, whereas my OH doesn't have any debt apart from a mortgage. His idea of relaxing is going to the pub/eating out/ getting a takeaway. I try to be all DFW…
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catalogue debt
Hi, catalogue have acknowledged that they cannot fulfil their sending of credit agreement and it is now up to me whether I continue to settle the account. They are prepared to accept £1 a month .If I don't send payment the debt remains on my credit file until I do. Where do I go from here?:confused:
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lottery
I have a thousand pounds that i have saved and wanted to put towards buying a new campervan, but i cant get a loan anywhere. (See my post in loans) So now im thinking i will just buy 1000 lucky dips and see how lucky i am. What do you think. Am i totally mad? Id probably end up winning £10 lol.
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nearly all gone...just loan left:)
hi all, just a quick note to say that as from last friday i have finally paid off everything except the loan:):T have had a lot of personal stuff going on lately so havent been on much. but have still been chucking everything at the debt. so now i am left with the loan which stands at 2700.00 although another 100 quid will…
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8.7.07 what small dfw thing will you do/have you done today?
Good morning people, newbies and old timers! I hope you are enjoying your long weekend, despite the forecast rain! 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…
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Having trouble spending money.....
Not sure if this is the right place to post this so Mods please move if you deem necessary. Does anyone have trouble spending money now they are trying to become debt free? It's my birthday today and I told me hubby not to worry about getting me anything as I liked the balance of our bank account. He of course, wouldn't…
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what have/will your spend mon 8/5/07?
:hello: Hi all, Well I'm feeling rubbish today as I've got a cold and my sinuses hurt! Will prob buy comfort food and tablets at lunchtime, but will try to keep the former to a minimum! Keep it low all! C xx
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hiya, debt-free wannabee here.....
Hi, Jay here, I'm a newbie to this fourm,website, thinks its absolutely brilliant, lots of peoples experiences, knowledge etc that can get people through their tough times, many thanks to Martin and co. for putting this all together and thanks in advance, I'm sure my problems which are getting me down lately may become a…
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A couple of queries re: repayments and credit rating
Hi Everyone, New here, so apologies if it was easier to find a similar thread than I found it! My parents are helping me out with a loan, as despite a great payment history, I've had 4 addresses in 3 years and I can get no credit. The loan is consolidation for lots of other debts. I'm going to pay off all of my credit…
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Trying to help my friend, any suggestions please?
Hi there, I have been trying to help my friend get out of debt for over a year now, but she is a soft touch where her children are concerned and only listens to me when she wants to. Okay, maybe I should tell her to go jump in the lake, but I can't, she's my friend. For over 3 years she was living in her ex's house that he…