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Debt-free wannabe challenges
Archives for May 2016
Discussion List
Debt advice needed - 60K
Hi I'm in need of some advice please. I currently owe around 60k worth of unsecured debts. Both loans and credit cards. All racked up through gambling, which I am now seeking help for. Amazingly I have kept up to date with all payments until now. I can no longer keep up with working 12 hour shifts 6 days a week. I have…
Tomlin order
Hello everyone, I've recently negotiated with a solicitors a Tomlin order whereby I am required to repay £700 PCP until April 17. The problem is my circumstances have since changed and my monthly disposable income has reduced significantly. is there any way, once a Tomlin order is in place, the repayment amounts can be…
Make £10 a day June 2016 Challenge
Hello and welcome everybody :hello: This is the 106th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Rawdinosaur, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long, but…
NST June Challenge
NST June – How did it get so late so soon? It’s night before its afternoon. December is here before its June. My goodness how the time has flewn. How did it get so late so soon? Dr. Seuss Welcome to the new Monthly NST (Ninja Saving Turtles) Challenge! NST's are a group of Money Saving challengers from across the UK (and…
£80K CC debt but not living in UK
Hi, I would appreciate your advice. I left UK actually about 8 years ago and I have been trying to honestly service my debt (about £80k now) from abroad without missing any payments. Cost is about £3500 every month, but my debt is not reducing at all. Now, my situation has changed dramatically and I need to move back home…
removal of phone cable line on window
Hello, I bought a flat a few years ago and i’m not in the process of replacing windows. The problem is that one of my windows (wooden ledge part) has a telephone cable running through it – i think this must have happened when they converted the property some time ago. I assume that the cable belongs to BT as it runs to a…
IVA to Lloyds
We have been paying our IVA to Lloyds now for 6 years there is still about in total, (loan C/C and overdraft)13K left. At what point might Lloyds write off any debt, or will they just keep us going year on year until it's paid ?
Previously unknown CCJ from 2013 - best / cheapest course of action to resolve?
I've been trying to clean up my credit report recently having finally cleared debts from the past 15yrs, only to find out recently that I now have an active CCJ against me from Northampton court dated from November 2013! This is total news to me as I moved from my last address in 2014, but don't recall ever seeing a CCJ…
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MSE News
Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
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