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Quick Question
At the risk of sounding stupid could sum1 please explain what dd dh ec etc mean? I know oh and op but that's about it! lol
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Time to face up to it then.....Any advice?
Afternoon everyone, I've been lurking for a while and have posted a couple of times over the last few days and have finally decided its time to face up to my debts! A lot of it has to do with the fact I got married recently but I can't blame my horrendous spending habits on that!! My SOA is below, I'd better explain that…
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Balance Transfer query?
I currently have a loan of approx £1800 @ 6.9 for 4 years but I have recently got the M&S 3.9 LOB card. In order to pay off loan I will incur a 2% fee for paying off with a CC. I will need to transfer to my A&L card first before moving to M&S. It will also cost me 2% to transfer to A&L in total costing me approx £92 to…
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panic time
my bf has just been told that creditors might want him to sell his car. it is japense racing car... his dream car so he is totally gutted, espically as he has spent loads on it. i know some may think he should but there must be another way? he is going through the IVA route, and is awaiting creditors meeting. any…
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Settling IVAs early.
I've seen a few people who have talked about them ending their IVAs early. Can I ask anyone who was able to do this how they achieved it? Thanks for any help :)
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The real reason why the UK is so heavily in debt
I got my nice new shiney amex platinum card through today with a credit limit of £9200 (yeah I know and the amount of debt I'm in!) and phoned up to a) activate it and b) to make a balance transfer. However amex have stopped allowing balance transfers on their cards because the UK is in so much debt, all down apparently to…
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Quidco
Hi I'm new :wave: I am reading all your posts with interest. But what's quidco? How do you earn money using it :confused:
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budget spreadsheet passworded?
Hi can anyone tell me if the budget planner exel sheet is passworded??I just downloaded it but it says its got a password:confused: ....(Im downloading it and opening with star office not exel so wondered if that was what was wrong ....although no problems with any other exel downloads before:D thanks in advance:j
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Where to begin?
Hello you lovely people:A Been lurking for a while and joined up yesterday..... Me and hubby have lots of debts (i think about £60,000 ish- i`m taking the bull by the horns today and starting to go through all the letters:eek: ) Can`t stand being in this situation anymore....it`s really not good for the heart. I will start…
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Copycat Challenge!!
I NEED TO RAISE £1200 AS SOON AS POSSIBLE (OR BY BEGINNING OF NOV AT LATEST) WAS JUST WANDERING IF ANYONE WOULD LIKE TO CHALLENGE ME TO SEE WHO CAN DO IT QUICKEST? THOUGHT THIS MIGHT SPUR ME ON:p
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I'm fuming at my water board!
GRRRRRRRRRRR!!!!! let me tell you the full story, well, I moved into a brand new house over 2 years ago and paid for my water on a meter. In january I discovered that nobody on my estate paid for the water surface drainage. So I start the ball rlling in getting this sorted as my neighbours had got a refund of £200ish after…
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if we achieve debt freeness whats next?
I want to be mortgage free eventually. I Watch all these programmes and I think If I can pay my £25k:eek: Debt off in 4 years I can have my £27 mortgage paid off in similar fashion??? Has anyone thought of this? Would this be the ultimate Debt Free wannabee????? Opinions please! :money: :money: :money: :money: :money:…
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Who turned the lights on?
... Because this lightbulb is REALLY bright!! Hiya all... Please be gentle with the newbie (You can be brutal and honest with the advice though!) I'm not sure where to start really... Other than to say i've been spending more than i'm earning! I'll sort out a SOA in the next couple of days for you all to look at for me...…
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tmmf =Timewasting A$$hole!
I'm sure this thread might be deleted or moderated but I'm sooooo angry! This is the text of a PM I recieved: NEW MLM/HYIP FORUM. Come and list your favorite %^&*, @$£", !+**, %$£"(Get Paid To), or any Online Money Maker Program and get your Referral rights before anyone else. Only 1 Referral link per program allowed. Come…
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can you help
Dear all I have decided to ask for help or any ideas from you guys to reduce my debt here is my SOA Monthly Incomings: My salary - £1,100 other- £110 Total - £1210 Monthly Outgoings: Mortgage/Rent - £150 Sky £43.33 Phone - £50.57 Petrol - £100 Internet £14.99 Loan - £335.59 Total: £644.48 Credit card Debt MBNA £2,846.84…
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Help with Massive Stage Fright
:eek: Mods - please move if you don't think this is in the right place. In the spirit of "earning more and spending less" I have agreed to appear every morning this week on a radio programme who are running a special item on my specialist subject. HELP - MSE Martin!!! How do you manage to always look n sound SOOOOO cool??…
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What Happens in Repossession?
The buyer of our flat has now pulled out for good,so repossession is the only answer,but what happens next?? Our mortgage on the property with Abbey is about £33,200 and our second charge with CitiFinancial is about £66,300.Our flat was up for sale for £102,500,that just leaves £3000.Now I know that it won't be sold for…
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My boyfriend has dumped me
so I will not be having any money from him to help with my debts.Actually my debts are the last thing I can be bothered with right now as I am heartbroken.So are my kids.
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Reclaiming charges from Goldfish? (Morgan Stanley)
Sent off my standard letter demanding repayment of my charges (around £700) from my Goldfish credit card which is now closed. Just got a holding letter from the Goldfish Liason Officer saying he's looking at my case and will get back to me in approx 5 working days. Anyone else had a go at Goldfish? Any idea what kind of…
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Bankruptcy verses IVA
Can anyone advise which route would be the best to take concerning bankruptcy verses IVA