-
Fees and debt
Can I go through the reclaim of fees process and then CCCS debt management afterwards?Or should I be going through debt management/recovery process first or at same time? We are talking about a £300 overdraft of which £200 approx is fees and charges. I am unemployed with no surplus income. Thanks.
-
melgold Ltd
I have a debt according to my equifax with Melgold Ltd. I have googled this and I do not seem to be able to find a phone number for them. The one that I seem to keep finding on websites is 0161 236 3764. I keep being put through to a residential house!!! Anyone else dealt with this company please? I need to get through to…
-
Looking for a way out....
Hi all, ive been a long time watcher on the forums and finally decided to post my SOA. My situation is im going back to college part time so im reducing my hours. I know reducing my hours means less pay however the amount of stress i have in my job is unreal and im finally doing something about it by going back to college.…
-
Egg Egg Go Away
They're charging me over £100 in interest a month The day I get rid of them once and for all will be a real celebration It makes me shudder to think I've had this card since about 2004...
-
Round and Round I go
Hello and thank you to anyone who reads this. As my user name explains, I am 50yr old and have never learned yet how to keep control of my money. I am not in a great amount of debt but i have mis managed my money all my life from 15yr old and first having a wage, money always burns a whole in my pocket. I am so tired of…
-
MSE News: Inquiry into financial education in schools launched
This is the discussion thread for the following MSE News Story: "An All Party Parliamentary Group has begun an inquiry in a bid to kick-start compulsory money lessons for kids ..." Read the full story: Inquiry into financial education in schools launched
-
Question
Hi, I posted something earlier and while waiting for a response I have been thinking. Can I fundraise and put the money towards paying for debts, like I will swim 35 miles or something? Would it work? Thanks
-
CCJ Removal Help
Hello This is my first post just recently I viewed my credit report which shows a CCJ which was given to me in December 2010 which I didn't know anything about as I never received any paperwork and also wasn't living at the address at the time I have looked around online what to do but haven't really found anything usual…
-
Robinson Way & Co..HELP!! what to do next???
Hi Everyone, I'm new to this site but have found a wealth of information on it and I'm now trying to sort out my DCA's. This one concerns Robinson Way. I have a really old debt with Lloyds from 1999. I can't remember but there may have bee a CCJ on it back in 99/00. I made monthly payments on it until 05 when I made a…
-
statement of (dire) affairs
Ive just followed the link from the Budget Planner; I suspect I just need to earn more but I hope someone can help me live within my means! Thanks Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,030.25 Income from Self…
-
HSBC ruining my credit file!!
Hi everyone this is my first post on the forum, I've been trying really hard to become debt free and to fix my credit file. This morning I had an alert from experian saying that I had a late payment on my HSBC current account, my Hsbc account has been overdrawn once in the last 6 months and that was in July for £33, the…
-
Thursday 8th Sept - What small DFW things will you be doing 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…
-
Seriously Depressed
I've been browsing this site for a good while and am only just facing up to the fact that 1. I'm in a stupid amount of debt and 2. I am seriously sh*t with money. I owe just over 17k in a loan and credit card debt that mostly has been rung up since April - yes in just 5 months I have probably wasted about 12k with nothing…
-
De-lurking for budget advice
Hello money saving experts. I've been lurking, and hope you may be able to help me make my budget guesswork more like an estimate. I am about to leave my husband (he doesn't know yet and I feel like a real heel for talking behind his back, but I need disinterested opinion) and I'm trying to plan my finances. One of the…
-
I've done some sums...
... And unless I've got something horribly wrong, I think I'm going to get under the 30k barrier this month I can't believe it!!!
-
Please help - been stupid and taken payday loans
I owe Wonga, Wage Day Advance, Lending Stream, Cash Genie & Payday UK. The payment was due yesterday but the easy cash account i held with halifax has been closed at my request. I have set up a new account with halifax - can this be accessed by these companies?! I have contacted the companies already to explain i cannot…
-
value of an alert on my credit file
Hi All. recently sent a CCA request to RMA never heard back from them (about 4 weeks now) . The original debt was with egg who sold it on to RMA I have a creditexpert account and received an alert saying my credit file had been changed.When I went online the alert shows that my amount owning is settled. On the actual…
-
Whats the best thing to do with spare cash?
Hi, Im about £40k in debt and on a DMP. I have about 12 creditors and at the moment all the loans are now interest free. My DMP was set up at the start of this year, and is being reviewed at christmas - but through various ebay/ boot sales / cd sales i now have about an extra £50 per month. I have being paying this mainly…
-
just getting things off my chest
Hi, I am new here and have been reading the threads with interest. My situation at the moment is that we owe £22000 in loans and credit cards. My husband is self employed and is currently unwell - he suffers from cluster headaches/chronic migraine and is now also on anti depressants. In addition to this he has hardly any…
-
WARNING!! Barclays - Online Overdraft Increase
Hi all This is a heads-up for anyone looking to increase their overdraft at Barclays. Apologies if this info is already known but I was very nearly caught-out by this shameless practice. I currently have a £1000 overdraft on my online current account. I "live" within this overdraft which is free to use provided I don't go…