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New Job :-)
I am working as a contractor until Xmas for a good company but no overtime money (DD and I live with family) but hours are bad as usually busy, looks like I could go peremant but do I really want it. I have found a new job with £1,500 less wages but no real overtime (or so they say :-) ) I want to be there for DD and she…
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Doctors - how to change them
Hi all Didn't know where to go for this so please move to the right place. My mum is in a nursing home suffering from demetia (quite advance). She had a fall some months ago and she had cracked her pelvis. Her doctor was called out but failled to come for several days. As per normal physio never took place. The doc, when…
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light bulb moment
I have recently decided to face up to my debts and something about it i ahve two bank loans three credit cards car on hp and various other bills such as phone and living expenses i have sat and added up everything i pay out in a month and it adds up to about £890 and as i take home £1100 per month it is time to admit i…
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Happy Birthday to the most famous DFW!!
Happy Birthday Lynzpower!!!! Make sure you treat yourself for a change hun. Have a great day! :bdaycake: :bdaycake: :bdaycake: :bdaycake:
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absolutely fuming!!!
just had a phone call from my mum. shes been having some real trouble lately with her CCCS arrangements, yet everytime she tries to talk to them, they wont answer her questions and concerns. She has been having trouble with her debt management plan for a while now, especially over her loan with Lloyds TSB. I dont know the…
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Bank charges please help!!
I have just gone online, and to my UTTER HORROR :eek: I have gone over my overdraft with Natwest, this happened last year and they charged me £58, I really seriously dont have £5.80 let alone £58, so what can I do about it? It is my fault really, I am swapping all my stuff over to my A&L 0% overdraft account, and forgot…
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Having trouble getting through to Payplan?
Recently when trying to phone them I have had to hold for up to half an hour (one call cost me £1.57 on their so-called lo-call number!!!). Anyway, needed to phone them yesterday but couldn't leave work early enough and am off work sick today so rang them dead on the dot of 9am, first call said they were closed still but…
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Hello
Hiya everyone i'm new to this thread. I'm not in a lot of debt, although i'm looking to save more for my future (i currently have an ISA), look for money saving tips and trying to cut down a little on my outgoings per month so i thought that this would be a great place to start. I'm 21 and live at home so you could say at…
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Guardian BANKRUTPCY Article
The following article was published in the guardian today. It provides an insight to bankruptcy as well as other solutions. The Road to Ruin
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Shop and Scan sort of survey thing !?
Just got this link from a themutualnet email, looks like a survey sort of loyalty program. Thought it may interest some of you. http://www.shopandscan.com/ (And Board Guides please feel free to move as I rarely post elsewhere, and this chair is kinds comfy..)
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bankruptcy verses IVa
Can anyone advise which would be the best option IVA or bankruptcy
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A massive thanks...
To every user of this board. :beer: Yesterday I was declared bankrupt and after so many sleepness nights and 'stress heads' it is finally over! :j I would have never have been able to do it without the kindness and knowledge from folk on here. Even though I haven't posted here much, I have read a LOT from posters in the…
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Urgent help needed, please, please read this
Hiya Further to my post earlier, i've phoned my mum and begged her to tell me the extent of her debt. She has between £30 000 and £35 000 on credit cards. Her minimum payments are about £750 a month. She is willing to take help if I can give it but what do I do? Can she go through any of the usual debt sorting routes…
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Quidco question
Hi all, I know a lot of you are quidco users and have just one question. I applied for the Cahoot savings account in order to receive £25, I have received all the paperwork but when I look Quidco it doesn't show up as tracked. Do I have to wait until I have sent the paperwork back in order to see the money as tracked or…
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extra income
looking for ways of making extra money in the evenings from home. Anyone any suggestions of where to start looking thank you.
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Newbie DFW
I've been reading the site for a while but just got registered so I can join in, cheer and be cheered sort of thing. Old story- large CC debts- which we manage to pay, but usually only the minimums, occasionally late too as I have been pretty badly organised and also at times used the head in the sand method of…
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eBay fees
When do they advertise special days when they have 5p listings? Is it on their website? Do they do the same for cars? We got charged £10.22 to list our car, and it didn't sell. I don't want to re-list it and get charged that again!
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question about when you are discharged from bakrupcty
hi dose anyone know what happens in the run up to automic discharge my oh is due to be discharged next month we didnt get early discharge anyway dose the or write to you to let you know do you have any forms to compleate or is it a case of you dont hear from them again there is no ipa payments beening made so just…
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Mortgage Arrears/ Payments Plans URGENT
Hi - as some of you may know we had time off recently totalling over 4 and half weeks in full. This was due to my husband sustaining an injury and then his mum dying.........none of which were foreseable in advance. Anyway - its made us in arrears with the mortgage.........I rang them in August when they were happy to make…
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refund of bank charges = overdraft cleared
got the money transferred into my account today which means my HSBC overdraft has been PAID OFF! really chuffed!