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My dad won't listen
Hi all, This is my first time so please be gentle with me. It was my dad that first introduced me to this website when he bought me the book last christmas. I am addicted to it now. My problem is that my dad doesn't seem to care about his finances. My dad is 60 roughly 40k in debt on credit cards (my mum showed me the file…
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Bank Holiday Monday
How will people be spending (or not spending as the case may be) this free day? Ill be working lol (sorry had to post this thread just to get the spending pun in) :)
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Under £6000 - It feels so close
Hi all, Finally got debt under £6000 and still dropping :D . Just 10 months left at the latest! Jitsuguy
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School Girl Error - Do you ever run away with yourself in effort to be DF?
I made a bit of a school girl error this month and I'm kicking myself!! Just because I ran away with myself. Had planned to pay £600 off my Egg Money card which would pay the balance and for a new desk I have to purchase so my brother can take my current one (his) to his new home. So I changed my DD to £600 so I couldn't…
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Chip and pin cards
Don't know if this is the right place to post this but it a bit DFW as it is asked with the intention of saving myself either a bus fare or buying something just to get cash back. I'm just wondering if it's legal to let someone else use your chip and pin card with you permission:confused: For eg, my dd needs to buy a…
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Payg
Ello everyone, hope you are all having a good'un Quick question, when you guys go on about a 'PAYG' phone, do you mean pay as you go? I always thought it was some miraculously cheap tarriff or something?! Ha!
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help me with my credit card balances please
Ok. Here goes. Balance one : 5504.06 on Barclaycard (most of it a balance transfer with a few purchases on it) Limit £6500. They are offering me 6.9% for life of the balance or 0% with 2% handling fee Balance two : 2118.96 with HSBC most of it a balance transfer with a few purchases on it) Limit £7500 they are offering me…
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Settlements Fredrickson Int & Westcot
Hi everyone, In an attempt to get out of debt as quickly as possible i have rang all my creditors for a settlement figure... as we are lucky enought to have 700 ish eft over each month at moment after bills ect and min payments we decided to try and settle at least one debt a month at the end of august we are due to settle…
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Kids and money - how do we train them so they don't repeat our mistakes?
Hi, I'm new to the board and am in the process of facing up to my mountain of debt. I'm forcing myself to write my SOA - but it's one of the scariest things I've ever done. I'm going home after work today to make myself just get on with it - please cross your fingers for me, I didn't think doing it would be so scary or so…
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DMP and bank accounts
I have a query,, am just about to start a DMP , I have a CC and O/D with my exisiting bank so have got a new Smile bank account as this seemed the best on the market and i need a cheque gaurantee for work BUT is this allowed as it has an O/D facility ( which I will not use) I was swayed by the 12 bottles of wine and good…
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Use ISA to pay off loan?
Hello This is my first message on this site, and I'm hoping someone will be able to help me! I have a graduate student loan with 13 repayments left of £226.92 a month. If I were to pay it back today the total repayment would be £2785.19, saving £160 off the total owed if I pay back via 13 repayments. I also have £3793.11…
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i just wanna say i think i am addicted again....
since i have come back (about two weeks ago) i have already made another 100 posts :eek: and i must say i am enjoying myself :p you lot are making my recouperation (sp?) much more fun...still bored though :rolleyes:
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Newbie - Finally getting myself sorted!
Hi there, Oh how I wish I had found this site along time ago! I realise now I'm not the only one in the position I'm in and there are people alot worse off than I am. I am 28 years old and live in Edinburgh. I got my 1st credit card at 18 years old and it was the worst mistake of my life. Like many people if I wanted…
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Was doing sooo well. Now feel I,ve lost control.
I need your help guys. Only in support and a bit of a*** kicking. Over the past few weeks I have been letting my control slide. All my utilities and stuff is still cut to the bone, but I have been spending a little here and a little there. Don't get me wrong, everything has been paid, although (guiltily) I may have just…
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can someone please direct me to...
a website where i can compare car insurance?
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Help with debts
Hi there I hope you don't mind me posting this but I work for Endemol television and we are looking for people who are in debt to come on our talk show to tell us their story. It is called 'Real Lives' and will be screened on ITV1. It is about current affairs and human interest stories - an opportunity for people to tell…
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Frederickson via Arrow Global & MBNA
In arrears with two MBNA credit cards. Offered loads of times a token payment (accepted by other creditors, not this lot of course). Debts were passed to Arrow Global (or is it Global Arrow?) and now seems to have been passed to Frederickson who are a DCA. They've sent me another letter (had a few recently asking for…
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Go ME!
Just checked my bank balance and I have not withdrawn a penny for a week! Go me!
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existing loan provider
Morning Not sure if i am on the correct board, have been reading about people re-negociating with existing providers on their apr. Have a loan with GE money at 8.9%, according to the internet the loans start at 6.7%, have had this loan since 2000, and topped it up last year, have never missed a payment with them since…
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Puzzed over reclaiming etiquette!!!!
Hi guys Can I attempt to reclaim charges on a Paragon loan? Has anyone done it? If so how was it? Also, has anyone paid off all their debts from a DMP and then claimed back charges afterwards? :rolleyes: :rolleyes: :rolleyes: :confused: :confused: :confused: