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Triton credit services
hi all, we've been on a dmp with the CCCS but as now have mortgage arrears of 2k, they cancelled my plan. ive now received 2 letters from triton services who have taken on 2 rbs accounts. they are demanding full amounts, ive not yet contacted them, as wanted a bit of advice how i approach them. im only able to offer them a…
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CAB - I need advice please
Morning everyone I'm a first time poster but have been lurking around the boards looking at the advice for a while now. Back in November I went to the CAB to get help to deal with the awful financial situation I had gotten into. I supplied all the information they needed to complete the income/expenditure form. The first…
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IVA or 110% mortgages????????
Hi, This is my first post so please be gentle if there are any mistakes! I am a trainee solicitor of 26 years of age. I am due to qualify in a few months and am preying that my salary will increase by a bit. Current debts:- Student Loan (govt) - 17,000 Roughtly £20 per month differs! Barclays Pro development Loan - 27,000…
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Could do with some help / advice please...
Hello Just signed up and could do with some pointers of what I can do really. Currently owe a little under £50,000 and am at the point where my outgoings are more than my incomings. SOA: Monthly Incomings: My salary - £1,200 Total - £1,200 Monthly Outgoings: Board - £115 (living at home with my mum) Sky £29 Phone - £25…
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What to do?
Hi everyone, I'm new to this after having taken a reality check and adding up our debt, we are shocked to discover that between a car loan, bank loan and credit cards we have run up debt of approx £45,000 :eek: Now I'm wondering what to do as on credit cards alone we are paying at least £350 per month and that is just…
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PaP/Moozie's What will you spend/have you spent today Monday 7th January 2008 thread
Good Morning everyone:hello: :hello: Cant see todays thread so sorry if its a repost (also sorry if im stepping on anyones toes ) Here are the rules as copied from yesterdays thread
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Shopping when you feel down - anyone else guilty?
I have a terrible habbit of shopping when I'm bored or a bit miserable, and lately I've noticed that the internet makes this far too easy! Do any of you folk do this as well? What do you normally buy? Do you allow yourself a certain amount of spending on comfort things, or do you have ways of stopping yourself? Will you…
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It's all such a mess and I don't know where to turn
Warning - this could get VERY long! Hi everyone, We're in a Big Mess and I don't know what to do. There's (a LOT) more going out than coming in and I just can't make it work any more. I'm sat here crying (so please excuse any typos) and I feel sick to my stomach because I just can't see any way out. Some brief history: My…
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How do you all do it?
I am selling as much as i can on ebay, I am joining the daily clicks etc. and I am looking into selling books on Amazon. I am just wondering how you are managing to earn £5 a day. I would love to do this, but have no idea where to start. Any ideas welcome. xxx
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help about £10,000 debt
Hi everyone, am new to the site and was looking for some advice. i have about £10,000 worth of debt and struggling. My partner does not know about my debt and unfortuately if he found out i know he would leave me. i have 2 children 2 think about so i dont want that. i only earn £110 a week. my debts are argos - £280 -…
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Should I balance transfer?
Hi Folks, I posted this on the credit card forum earlier and basically the only reply was someone teling me I'm overspending! Tell me something I don't know. I've been a DFW since May and have already reduced debts by a fair bit. I'm trying to get my credit card rates down so I can pay the debt off quicker. MBNA is the…
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Monday 7/1/2008 What small dfw thing have you done or will you do 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…
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Where do you start??
My husband told me how much debt we were in the other day, and so I have had the light bulb moment on behalf of him! We have just got married in south africa (we were there for a month) so that has also added to the debt. We also had a baby on the 20th July 2006, which sort of started the debt off by using credit cards to…
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2 defaults I dont know about?
I had a strange problem recently I was turned down for a Natwest Step Account, well it was opened then I got a letter back a few days later saying my account was now closed due to information they checked after my account was open! So I did a credit search with all 3 agencies. Nothing on MycallCredit, in fact 0 searches in…
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i'm look for an expert.....
We have £2000 to through at a debt but are in dispute about what to do with it. I think we should pay £2000 to Capital 1 then balance transfer egg to C1 at a lower rate. OH think we should pay £2000 to egg and close it down. We currently pay £50 to egg with about £38 of that being intrest and £250 to capital 1 with £168…
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Bankruptcy
Hi all, Am seriously considering bankruptcy and wondered if any of you could give answers to the following please. 1. Presumably the first step is the complete forms - where do you get them from and how much does it cost? 2. How long does the procedure take from submitting forms to a court hearing? 3. House in is OH sole…
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Debt-Free at last!
Hi, Been lurking on these boards for the past few years and would like to say thanks to all! Basically i was previously 6k in debt, but by changing a few things here and there, watching my spending i have now completly eliminated it and saved some money up... So, now, im only £290,000 in debt and a proud owner of a 3 bed…
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planning for the future
I know I still have 20k debts to pay off, but me and my boyfriend have been talking a lot recently about moving in together. <3 We realise this isnt going to be until 2011 but its still worth dreaming about hey! We living 200 miles away from each other so its gonna be a BIG change. I'm living fairly ok at the moment,…
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Collection agency referring back to originator
Moorcroft have refused my offer of £1 a month - well fancy that! They told me that the debt is going back to Eon (formerly Powergen) What happens now, do I wait for them to contact me, the £1 left my account today so they wont have had it yet, will Moorcroft pass it on to Eon, I didnt realise this sort of thing would…
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daily chat thread 7th Jan
Morning all! How's everyone today? Off to see Ash's potential nursery in a bit but will check in again when we get back :D