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Why is it everybody is after a freebie way out ?
Just thinking to myself the other day. Ok there are things that you can do yourselves like send a cca request etc and minor things. Would it not be better say if the same paperwork was done for you on your behalf for a fixed fee and that way yoiu would not get the headaches of replying to every letter and chasing it etc ?
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what would you do???
i have been paying my ex boyfriends bill for a couple years at £10 month - he bought me a 3piece suite and used his first name and my last name for the account but never paid so it got sent to national debt recovery ltd - every now and then they put £12 charge on saying they havent received the money even though it was…
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Contacting CCCs
I haven't been able to put a full SOA together yet as I'm not sure of the amounts of some of the debts as I have been destroying the statement after making the payments. Is it worth contacting CCCs in the meantime?
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Help needed!!!
Hi I need advice I'm 26 years old and have 15K of debt (was 18K but managed to claim 3K of bank charges wohoo!!) something i am not proud of but between student loans and living expenses, I am in this mess. I have DMP with payplan but I am really struggling to pay the £200 a month and to be honest see no end to the debt. I…
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Why are you a DFW?
Sounds obvious that we all want to get rid of our debt but what's the reason that you're here today? Who are you doing it for and why? Personally I'm a DFW because although we don't have a lot of debt by most people's standards, we are on a low income and were facing a massive meltdown if we didn't sort something out. We…
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Problem with credit
Hi, Thi is my first time and am pretty nervous, I physically feel sick. I'm on a limited income and have two credit cards and two loans. Both the loans end July 2008 and one of the credit cards is life of balance so is under control. The other card has an outstanding balance of £12000, until this month is was 3.9% but will…
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My challange maths don't add up
ok, i have more left on my Uneccessary challange than I do on my monthly one. Also I am not sure when to start my weeks from. Do I do them Monday - Sunday or how the month began with a Tuesday- Monday (1-7, 8-14 etc) or from when I get paid which is normally Wednesday+Thursdays so a Wednesday-Tuesday week, but I did get my…
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British Gas; One-Off Repair?
As anyone tried this service from British Gas? :confused: (A one-off £198.00 to fix your boiler)
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At 27, my life is rubbish.
Ok, I'm just going to have a real moan now and i apologise for that in advance. My Dad is 81 and fought in the 2nd world war. He saw his mates die in front of him and other atrocities and yet has remained positive the whole of his life. He makes the most of every single day and I am totally in awe of him. I, on the other…
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IVA's -need debt advice
Anyone know where i can get good advice about clearing debts and how to get an IVA-would you have to go to court. is the National Debt help line any good. I'm not in Debt myself, but need some advice to help someone out.
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Quickie question re banks
Hello, i am trying to open up a parachute account but the halifax are taking forever (2 weeks so far and looking at, at least another 2 weeks) I was recommended to go to nationwide but the nearest branch is some distance from me. Would nationwide be any quicker? Was also recommeded the abbey but i have huge debts with mbna…
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Council Tax gone to Bailiffs...
Bailiffs came to our house this week for repayment of Council Tax-not this years , but money that's owed from a few years ago. This is my mom and Dad's council Tax, anyway we ignored the Bailiffs and phoned them up and came to an agreement-though this is gonna be hard to afford although, i am helping out,but i can only…
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Just a quick question about DMP......
I have been advised not to make additional payments outside of my payment to CCCs. Can anyone tell me why? Just that one of my creditors has refused the initial offer and has said that if i can increase by a few quid it will stop the debt defaulting and being sold on. Any thoughts please?:o
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Just introducing myself to the board
Hello all :wave: Hope you don't mind me starting a new thread, just wanted to introduce myself to you all cos I'm new! I've been in horrific debt (prob not as bad a some out there but bad enough for me!), all started around 15 years ago when I couldn't make one month's payment on my poll tax for £90 or summat so I decided…
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Serious Illness and Finance
Hi everyone! I'm new! Apologies... I'm not sure if this is the right place to post so please feel free to move the thread if necessary. Can we have a thread on how to deal with the expenses (both hidden and obvious) that come with a serious illness within the family? My mum is ill and that's a big part of the reasons I'm…
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DFW sat night chat... new site!
HEre's the link... not sure how long this post will last before it gets deleted but we're all over there for our sat night party.... you can swear and everything! lol! http://tigzem.proboards58.com/index.cgi
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How much have/will you spend 5th may???
good morning darling dfw's!!! well despite being rudely woken up at 7am by the sun sneaking past my black out blind ANd curtains :eek: it's a cloudy, cold looking day outside, though mum assures me it's supposed to improve. too late I'm off to work for 12 with wonder boy again....please pray I don't kill him and end up in…
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Help yet again please guys
OK so following the advice of you lot on here I have successfully reclaimed bank chanrges from 2 Halifax accounts, Barclaycard and Capital One. :j Now I'm sitting here this afternoon thinking long and hard about who my next victims are going to be. I had a secured loan with Sterling Credit and I know that when me and ex…
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Advice on clearing existing debt
:mad: Hi everyone! I am new to this site/forum so sorry if I have posted this in the wrong place. I currently have a debt of approx £6000 and can only make payments of £20.00 per month. The problem with that is I am only paying off interest and the arrears keep growing so I'm not actually paying off any of the original…
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Asking For Proof Of Orginal Agreements
Hey I just wanted to ask you guys your experiances, with sending letters to DCA's and orginal creditors, demanding to see proof of signiture. Have many people done this? Is it successful? As i think im going to send the letters out, but will ask the advice on smashdoodle first. And when you send these letters, even though…