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Debt-free wannabe challenges
Archives for March 2020
Discussion List
Awesome April's NSD Challenge!
This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to achieve during February. To join, just post your personal target and you are on your way! Tips for the challenge:
1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve.…
Tricky question re: credit default
Hi I’m new and I’m in Scotland. I understand that defaults are removed from credit reports after six years. But what about an ongoing account such as a mortgage or electricity supplier. I defaulted on these accounts several times up until six months ago when I finally got full time work. Will the months that I defaulted…
NST April 2020: Fools we are not!
NST April 2020: Fools we are not! Okay, so once we are past the first 12 hours of the month,
then technically we are no longer Fools. But let’s apply this more broadly, as
we are turtles and we think about things. A lot. It is a new month, but a continuation of unpredictable circumstances
that are simply beyond our…
Arrow Global
Here's a good one for you. Got a letter out of the blue from a company called Resolvecall who have been asked by Arrow Global to collect outstanding monies (just over £4000) from a card I have never owned. This card was supposedly taken out by me in 2008 and the last correspondence with me was supposedly in 2010. It has…
Unable To Locate Creation Charge Order....Help!!
Hi Hope somebody can point me in the right direction as I have been doing battle now for a few months and I'm at my wits end and stressed to the hilt over it Back in 2007 I lost my husband to cancer at a young age, I struggled with finances as none of his insurers would pay out. Buried my head and had I don't know how many…
Parking ticket and CCJ sent to an old address
Hi Guys, I have the following situation. In 2017 I have moved to a new place and changed my address at DVLA only on the driving license. The car was still registered at the old address as I truly wasn't aware that I had to do that. I was thought that if I change my driving license the job is done. I am living in the UK…
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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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