-
Noticing a little sliding happening lately, going to nip that right in the bud
I've been noticing lately that while my debts are getting paid, I've been spending a bit on useless things. Just a bit here and a bit there so before this reaches crisis point, or creates another problem, I am going to take it back to the basics: 1. Come here daily to keep my motivation strong and my mind on my money. 2.…
-
Reality Check for friend in debt
My pal is fantasising about skipping overseas to Spain to escape their extensive debts. Not sure of the sum but it's northwards of 15k I think across overdraft, unsecured loan and maxed out cards from when he became redundant for a period then got a much lower paid job. He is not a homeowner and doesn't have a car. I am…
-
Chargebacks on debit cards?
Hi I bought something on a maestro card through paypal and when it did not arrive I opened a case which was then closed as seller put a tracking number that showed "delivered" and even though the tracking number showed wrong address and name I never got it. Reading online I can chargeback just wondered what rights I have…
-
Tuesday 13th May - What small DFW things will you do today?
When we start out on the Debt-Free Wannabe 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…
-
Old debt nightmare
Desperately in need of help!! I took out a hire purchase agreement for a vehicle in 2007, amount of credit £5725. With interest added over 60 months the total was £14144. (Interest £4296.20) In 2009 I was in dire straights and decided to surrender the vehicle back to the finance company.(after 2 blokes turned up at the…
-
proposal looming...but first.
Hi again. Me and my partner have been together a few years and I am seriously considering proposing to her. Things have never felt so good. My issue is a debt from my ex, who left us both 30k in the red from a previous mortgage. Though the mortgage and the resulting shortfall debt isn't in my partners name (only me and the…
-
Dealing with reality
Hi, I posted back in December about getting to grips with our debt. Received some brilliant advice, which helped a lot. The more I looked into our situation, the worse it got until, Im ashamed to say, I buried it away and ignored it. I did request a form for a debt management plan, however have not filled it yet. The debts…
-
Finding out credit history without alerting creditors
Can anyone advise how you can find out if you have ccj's and how much bad credit history you have without alerting debt collectors where you are etc. This relates to my partner and I know for a fact that any debt he had in the past is now over 6 years old. He has been living with me for quite a few years but he is not on…
-
Want to share
That I made two overpayments in the last two days £1,000 off the car loan and £103 off the mortgage. I know it isn't much, but my plans all involve money not being committed every month so I have it available - and as the husband has no interest in money really (apart from 'have we got any?') no one is cheering me on. It's…
-
Debt Management or go it alone??
Hi Guys I've recently been weighing up my options to become debt free, I have had an ongoing account with a dmp company for the last 3-4 years, unsure to exact length of time. Anyway. The dmp company have just informed me of a fee increase to £34 a month,this is £34 that could be put towards paying my debt off sooner, now…
-
Need help and advice - SOA attached
I have attached a SOA for advice. I think I have got everything on there but not really sure. I can not work due to ill health and income has changed after last months dreadful loss. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in…
-
How should I fund this repair?
A small dilemma....., I have a £1000 Emergency Fund. I only have £50 left in my Household repairs fund due to just decorating my kids' room. They are 5 and 11 and keep wandering into next door. My fence panels have been down for months and I can't stand to look at my neighbours unkept garden more. I usually have about £150…
-
Self-employed Money Dilemma
I'm a single man, 29, with no children. I've just moved back into my parents because I've ran out of money. My total debts, including student loans stand at about £30,000. I decided to leave university where I was studying engineering, and started working on a puzzle game. After a while I realised that there is no possible…
-
Can voting help reduce my debt?
Does who i vote for in the european elections make a difference to my debt. For example ukip want to put tax up to 31% this leaves me worse off every month! Shouldivoteukip.co.uk
-
Is there any real benefit to a !!!!!!?
Currently going through Payplan with current debts, however from time to time I am offered a !!!!!! from a few creditors of around 80-90% off. I am not close to a mortgage at the moment however would like to be closer in the next 5-10 years. Am I right in thinking that a !!!!!! will look worse to a possible lender than…
-
What small DFW things will you do today Monday 12th May
When we start out on the Debt-Free Wannabe 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…
-
Lowell and disputed 3G debt
Good evening all, I have recently had checks as have many on here by Lowell. I have read all of the previous threads in relation to this company and issues people are facing. I too unfortunately have a debt issue (3G Mobile) that has been going on from 2008 to which I have tried many different approaches to no avail. I…
-
Ccj letter from drydensfairfax
Hi all, its been a while since i last posted so please go easy on me! I received 2 letters today dated the 6th of May; 1 from northampton county court the other from drydensfairfax. The df letter states they are planning to go to county court the court letter states that they've issued a judgement right down to how much a…
-
Dispute over money
Hi, I wonder if anyone can help me at all? Sorry if this is a bit long. I've been purchasing goods from a local farmer for feed for over 20 years, always paid cash. I had an outstanding balance that I didn't want to add to, so in Dec, I went into shop and asked if I could purchase items if I paid for them there & then (and…
-
Motormile finance annoying me
For the past few weeks, I've been getting recorded messages on my home answerphone from "Mike" of Motormile Finance, telling me to call them or they'll come to my house. The thing is, I have never had any dealings with this company, and no outstanding debt (except up-to-date mortgage). The messages don't mention any name…