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What’s next is the question?
So I’ve lost my previous diary - it was along these lines... £5000 overdrawn £4300 loans £6500 Virgin cc (i pay £150 a month and £95 interest a month) £4500 M+S CC (i pay £130 a month) £3500 lloyds cc (i pay £75 a month) £2000 Barclaycard (i pay £50 a month) £1800 RBS cc (i pay £50 a month) £1400 Halifax cc (i pay £45 a…
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Make £10 a day in April 2019
Hello and welcome everybody This is the 140th month of this challenge, which was first started by Batgirl, in September 2007. Here is a link to the original thread as I am sure some of you are interested to read where it all began. https://forums.moneysavingexpert.com/showthread.php?t=542835 Thanks to Batgirl for starting…
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NST April 2019 - Spring Forward
NST April 2019: Spring Forward A new month is upon us. Spring is really beginning to make itself known now, the sun has been shining quite a bit, the days are getting longer, the plants and trees are springing into life again. Hopefully we are feeling ready to leave winter behind and really kickstart ourselves, paddle…
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Unenforceable CCA
Hi Advisors and Helpers After applying for 4 CCAs and a SARS on historic debts (2002/3) I am informed that all 4 are unenforceable. However, I have been paying a DMC a regular agreed amount every month for the past 6 years but in the light of this new information have recently stopped making these payments. Has anyone else…
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April's Bring Your Lunch To Work
Welcome to April's bring your lunch to work, the sun is shining and Spring here :EasterBun :icotbaske Feel free to post what you're having/planning/eating for lunch as this may give others a idea of what to make and I'm always up for inspiration. There are 20 working days up for grabs. Let me know if you want to join in…
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Direct debit
... I have finally admitted defeat.. I am drowning in debt. I have made my I&E sheets for each of my creditors...wrote them each a letter with an offer of payment requestion a standing order for the amount in my letter... Do i now need to cancel my direct debits even if I have not heard from any of them yet to agree to it?
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Stuck with a car on finance
Hi, I bought a car on finance a few years back and was happily paying it off and have paid over 2/3 of it off. However due to a large number of personal issues, I haven't made a payment for around 18 months. I'm now getting my life back together and am working on my debts. I now have a new job with a company car so I no…
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Deed Of Assignment
Hi Advisors and Helpers I need your help with confused messages I have been reading re Deed of Assignment and [/B]Note of Assignment. I am told that the note of assignment we are allowed to see but not the Deed of Assignment. However, I recently read that Lord Denning has stated in ruling 1965 that "debtor is entitled to…
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Advice please
Hello all - I’m back after a little while away trying to shape up my finances. I’ve dithered around to be honest and still juggled so not really got far. However, I need advice again please all. My debts are £10,791 Lloyd’s loan - repay £343 a month £899 Halifax cc @ 26% - repay £40 a month £1918 barclaycard cc @ 22% -…
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Please any advice
Hi so to cut a long story short I lost my mum 6 years ago and I got myself into a gambling addiction which I have now knocked on the head but this has left me in 7,760 worth of debt, these are payday loans, credit cards and overdrafts I really need help. I want to start a debt management plan but nobody seems to want to…
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How to object interim charging order ?
Hi, I would appreciate any advice and help and how to object interim charging order and what I could use as an objection in my case to stop final order to be made against my house. Here is my complicated story: Few days ago I received notifications for interim charging order from the County Court which for my husband's…
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March 15 ways to save money
The Challenge Write down 10-15 ways you can save / make money and track how many times you do them over the course of the month. You should at least aim to do everything on the list once. For each task you do is 1 point . There are no 'real' prizes but it would be good to see how many 'points' we can all get by the end of…
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Make up to £10 a day in March 2019
Hello and welcome everybody This is the 139th month of this challenge, which was first started by Batgirl, in September 2007. Here is a link to the original thread as I am sure some of you are interested to read where it all began. https://forums.moneysavingexpert.com/showthread.php?t=542835 Thanks to Batgirl for starting…
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Marvelous March's NSD Challange :)
This challenge is about setting yourself a weekly / monthly target of how many No Spend Days you would like to try and achieve during the month of March. Keep us updated with your progress and hope you all enjoy the challange. To join, just post your personal target and you are on your way. Tips for the challenge; 1.…