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Have Gone £1500 Over My Overdraft With Guaranteed Cheques What Will The Bank Do?
Have Totally Overspent At The Bank Have Opened A New Account For Our Funds To Go In And Direct Debits To Come Out And Am Organising My Debt With Cab But What Will Happen With The Bank As Have Guaranteed £1500's Worth Of Cheques Over My £4000 Limit And Each Cheque Is Receivinf A £38 Misuse Fee Which Ive Done Letters To The…
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Any ideas for CV's please
I am writing my CV, as I need to look for paid work, now that I am being declared Bankrupt, and I am struggling (not done it for over 20 years).:mad: Can anyone point me to some good (free) CV template sites, please.
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I'm in so much trouble
left my husband recently and i have had to find a furnish a new home i am quickly running out of money the tax credit is dragging there heels and husband aint giving me any money for the kids i have around £20000 debts and aint got a clue what i'm gonna do. Feel like bury in my head in the sand but that wont help at all i…
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Will it never end...
Well, just had another call from the garage, the total cost for my car MOT is £600, on top of the £60 for a new window last week. The CCCS budget was £200 a year.... At least I'm getting to see CAB quicker than I expected, I was told to expect a wait of two to three weeks but I've got an appointment on monday. I'm going to…
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Payplan overestimate
Hello all I posted a while ago to say that I thought that the amount of debt I had left on my DMP with payplan appeared to be incorrect on the justabank compared to outstanding amounts on recently obtained credit reports. Thought there may be some out there interested to know that payplan reported my estimated debt at…
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Bankruptcy to get my life back together ?
Firstly id like to say I’ve been lurking for a while and its time to come clean. I have to say thank you in advance as reading your advice, support etc etc has made me feel I can post this and finally start to live again but I still need some help. Basically I think I NEED to go bankrupt and here's why.. I’m now 32 and I…
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The long and winding road to DFW! My Diary
My name is Wotnext and I am a debtor...... By keeping an online diary I thought it would help motivate me and keep me going. To see the debts being gradually chipped at, and a few words of encouragement from others will be enough to get me through it. The facts are, hubby has got in to a terrible mess with the finances.…
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Hi from a Newbie
Hi I just joined the other day and find this site amazing with tips and advice and just posted my letters today to the banks asking for a refund on my bank charges. last year and I found myself in a huge pile of debts but my house is sold and i will be debt free apart from a mortgage on my new home. I keep seeing S.O.A…
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fed up, depressed, etc etc
I can't quite believe I am posting a forum about all my problems but reading through some of the posts, you are going to be easier to talk to than family or friends. But, please I dont want sympathy. Every thing that has happened to me has been my own fault. In February, i left my partner of two years. He is a financial…
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Action Plan!
Hi peeps - I'm a newb - I have posted here but this is my 1st Thread! I would really like some advise from those of you that are/have dealt with this. Up until about 2yrs ago I was a complete nightmare with money spending far more than I was earning & being stung unmercilessly with charges for the priviledge! Now in my…
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How to get humiliated by your bank - by Jo_R!
Hi guys Wanted to say thanks to those who replied to my feeling sorry for myself post. Been feeling sorry for myself even more today! I went to the bank this morning to try and salvage back some of the charges I have incurred over the last two months as a short-term measure to get myself back within my overdraft limit. Due…
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Feel scared...
how do you all give yourself that boost that everything will be okay? am really struggling lately....... My husband and I have about £25,000 debt between us, which isn't so bad but it feels like a ton to me and whilst i know we are paying things off each month, i just can't see an end to the constant struggling and…
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Help and advice please - Newbie!
Hello all :j Ok ive been a lurker before and now i need some good advice Ok in 2001 i took out an account with barclays while i was at uni, they offered me £3000 o/draft and being a poor student i took it. Anyway to cut a long story short they closed my account just this side of -£3000. I was miffed and it really messed me…
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Homework ideas.
Does anyone know of any legitimate homework that pays even if it's just filling envelopes. Not interested in any scams that require initial investment or the like. Would be nice to have a supplementary income with Christmas on the way and overtime liable to be finishing soon at work.
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Credit Card Accounts on Reduced Payments
Hello there, I have 5 cards which I have had to put onto minimal repayments due to 'in between jobs'. This has only been for a period of 5 months after which I am back in work (Nov) and will be able to resume normal payments. However, the companies appear to have closed my accounts whilst on the small repayment term rather…
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not having the best of days
Hi everyone, I am new to this so be gentle x I am currently about £22.000 in debt, I have contacted payplan, but still having trouble opening a new account. But now tried with nationwide I feel that I am not in control as no one knows the full extent of my debt, I have told my boyfriend about my debt and that I am with…
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Please Vote For The Dfw Official Slogan
Why a slogan? Many outside this board are confused that DFWs' (Debt-Free Wannabes') signatures are boasting about being in debt. Of course the real boast is that DFW's are taking that debt on and dealing with it. Thus the aim is to have a slogan that all DFWs together can add to the bottom of their signature which gives…
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Car Insurance for DFW's!!!!!
Hi there... Just a quick one. I renewed my car insurance today (i'm with Prudential) For my OH and me (27 & i'm 25) to drive a (pretty new) car for a year was £350... but i got them to put me through to a different department (apparently its called a retention dept) and they lowered it to £297!!!!!! I think most companies…
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Can abbey transfer me to Debt collectors?
I sent a 'DMP' Letter asking to freeze interest and offer pro-rata payments to Abbey bank. I have today received a letter that states - "To assist you an external Debt Management Company will administer your account. The account will pass to an agent within the next 2 months and once they have been in contact, all further…
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Both S/Employed and in need of a job!!
Ok, well after a lot of hear renching, i think our numbers are up in regard to running our own business, theres just not enough coming in to cover the business bills and household- the shop we rent eats up most of the profits each month and things are just getting worse so im looking for a loadsa advice and supprt from my…