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Am I still in debt???
When I was 18 and still living with my parents I stupidly got myself into alot of debt - about £5,000. I have since moved to 3 different addresses, spent time in the millitary and now live and a different city (still in scotland). I have never paid a penny to any of my debtors nor have I sent any letters, not one! Am I…
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Time To Take Action
I am 25 in March and currently in debt as many former students are these days.Besides the usual student loan, I have the following debts £950 credit card £2000 overdraft £3769 Loan (Also have £3500 from me generous family which although they are in no hurry for I would like to start paying back) My credit rating is not…
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Pet Insurance....!
Advice please. I'm on a DMP with CCCS started in November and so far going well. In fact this is the first christmas we are not still paying for. The others we are still paying off but this year cut down on presents and used cash only. The one blip on our budget is the PET INSURANCE. We have 2 cats and 1 dog currently…
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Paying off debts with savings?
I currently have a £1100 overdraft limit and due to budgeting I now end the month at about the -£890 mark. The od is with Nationwide and I pay 9.9% on it so pay about £4-5 per month for this facility. I have £1000 in e-savings and a £100 premium bond. I know it makes sense to pay the overdraft off and get in credit plus…
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woman on bbc 5 live in over £100k and srill blowing it..
Did anyone listen to five live's phone in on friday 11th when vistoria Darbyshire spoke to a woman who was £100,000 in debt, she was 28, and had worked out her debt free date at being over thirty years from now? She had previously been taking 3 or 4 holidays abroad a year, and spending fortunes. She said that she and her…
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Please help i can't sleep for worrying
Hi everyone,its taken me a long time to face up to reality but things are so bad i dont know what to do . Please dont judge me on the first problem as i feel so bad about it but i have a gambling problem big time. I know this sounds crazy but i haven't gambled for a week and i am honestly not bothered. My main problem is…
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Royal Mail Recorded Delivery
HI :wave: Just been on royal mail track and trace they now provide electronic copy of signature :j helpful me thinks :T
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How do I dispute this debt?
Hi, I need a bit of help please. Basicaly RBS have passed my overdraft (£940) was (£2500 this time last year) from their collections dept. to the recovery dept. However; the £940 I owe them adds up to about 90% of the charges that they owe me :mad: So do you reckon I can dispute this debt, and if so, how do I do it? Thanks…
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Just wanted to say...
To whoever recommended Slicethepie.com to me... THANK YOU!!! not only am I earning money I am finding so many cool new bands, its fantastic. I have about 8 bands today that I have loved, and will be keeping an eye on them! :beer: :j :T
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Asked for CCA - rec'd confusing letter, please help
Hello All, I have asked for a copy of my CCA from Thames Credit regarding a Barclaycard Account for £9000. After the time expired (12+40+10) I sent the template that has been posted onhere before from weller. However I have today rec'd a letter back from Thames Credit which reads as follows: We refer to your letter dated…
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PaP/Moozie's What will you spend/have you spent today Saturday 12 January 2008 thread
Good Afternoon everybody :hello: :hello: :hello: I have looked for it, but couldn't find it, so I'm sure PaP won't mind if I start today's thread. Don't forget, Saturday is not part of the 'weekly challenge' so nobody is goin to 'slate' you over what you spend. It just helps to 'make you think' about your daily spending.…
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Urgent HELP Mortgage reposession
Hi DH -or not Darling has confessed when I picked up a reposession order letter that he hasn't paid the mortgage for three months, help me! he says he I checked with is bank that he paid this month and he has! so they must still be taking payments from him. I have called our friends and my bb's between them are offering…
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Still charging
Im a bit annoyed/confused/upset at the moment with the Lloydstsb. Where soon to start our DMP with payplan, 1st payment due 22nd Jan. The lloydstsb have been one of the worst creditors to deal with, forever ringing and as much as i keep repeating myself and them telling me they'll add the information to the file, they…
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Saturday 12/01/08 What small dfw thing have you done or will you do today???
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 not making the same amount of progress, when…
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Was This A Good Credit Deal?
We got a leaflet through our door from a furniture store offering credit, We need a suite of furniture as the one we currently have is my parents old one and its at least 15 years old, so we called into the shop, the way they work it is, there is no credit check, we pay £20 a week and the owner of the shop calls around…
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Where to put small savings?
Right so I'm going on a bit of a saving spree this year (as aposed the spending one I had last year :rolleyes:) and as a newbie to all things banks and savings (yea well I'm 18 what did you expect lol) what's the best thing to do with just mediocore savings? I want to be able to go to it when I need to (eg I'm saving for a…
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Friday Night Welcome Newbies Party!
Woooooo it's friiiidaaaaaay! Anyone fancy a partaaaay? I've called this the newbie party as no doubt since new year and the debut of Martin's new tv show there must me loads of new people and I don't think we've had a proper party since the new year!!! Lets boogie!!! And come on newbies.. get stuck in!!! Just watch out for…
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overdraft on student account
Hi everyone, I an a long time reader of MSE forums but i rarely post. would someone be able to advise me on the following,
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2 debts left to pay.
Luckily we got £385 back in bank charges and £246 back from bos that they nicked out of our account so this will pay the credit card of. Leaving 1 left at £520 and a catalogue of about £900. My eldest leaves school this year, so will lose her tax credits then, so i really want to pay them by then. I thought about the…
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A new start
Hiya all, I have finally had enough. I want to pay our debts off, so we have a better quality of life as a family, and so we can start planning for the future! I thought it best to get it all written down somewhere, so that maybe I could get advice from those with more experience than me :) Brief history: Up until…