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Best Of
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Re: The Cutting Down Alcohol Challenge for March & 2026 :)
Hello cathybird, thankyou so much for updating the challenge for us whilst you've been away, greatly appreciated x Im going to declare up to and including tomorrow, so a total of 20 AF days for …3 -
Re: 2026 Fashion On The Ration Challenge
I haven't used a single coupon yet, to the best of my knowledge. That's because I have fallen into the V1nted trap. However, I've bought three tea towels new, do they count? I have a f…11 -
Re: Cash ISAs: The Best Currently Available List
https://forums.moneysavingexpert.com/discussion/comment/81902722#Comment_81902722 The headline rate is great but… Bonus is only paid after 12 months and that's a long time where a lot can happen…4 -
Re: When Should I Start Paying?
There's no risk of losing your house, as this is unsecured debt. The whole point is that you are prioritising secured debt like mortgages and paying essentials like CT and food. Legal action cos…1 -
Re: When Should I Start Paying?
I don`t know what RAS was thinking there to be honest, but definitely nothing to do with taking legal action, that only happens in a very few unfortunate cases at this very early stage in the proceed…1 -
Re: When Should I Start Paying?
Thanks for that explanation as I too was confused about this. I presume that for the debtor, it is more beneficial for a debt to be sold on as that makes it more likely to request a CCA or make a F&…1 -
Re: When Should I Start Paying?
If a debt is sold, it's not uncommon for it to disappear from your credit record for a month or two or be set to £0 before reappearing in the name of the new creditor. Primary creditor sell batc…1 -
Re: When Should I Start Paying?
The wording on the letters and emails is usually clear if you know what you are looking for. If it says they are collecting of behalf of the lender, or the lender is their client, then, like Moorcrof…1 -
Re: A Ditherer's Diary (again)
https://forums.moneysavingexpert.com/discussion/comment/81899682#Comment_81899682 No, mocks all done. They've done two lots. Oct & Jan. Now it's just exam prep basically. Been given the…1 -
Re: Debenhams Refund
https://forums.moneysavingexpert.com/discussion/comment/81903025#Comment_81903025 I don't believe the issue lies with the marketing or the amount offered on gift card, rather it's that ther…2
