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I have just returned from the local CAB where I was given some really good advice and a plan of action - budgeting sheet etc and a holding letter for my creditors. How do you rate the response to the letters? I am not in arrears with any of my creditors at the moment so its new ground for me. The CAB advisor said that I shouldn't be harrassed by any of my creditors. Anyone share their experience of this first stage of the journey to debt freedom............
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