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Is There Any Way Out Of This?
Hello everyone, I need advice on geting myself out of the debt that me and my partner find ourselves in. I have looked at these pages for a while now and seen how there are so many people that are willing to help and wondered if anyone would be kind enough to have a look at my mess. I seem to have spent the last 7 years of…
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Debt advice agencies - can anyone help?
Some help and advice please. Middle aged man, with a family, that has realised that servicing my debts is becoming a real problem. I am considering using a debt advice agency to possible reschedule my debts. Will I have to give up all my credit cards or would it be possible to keep one (that has no amount owing on it) for…
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19 year old daughter in debt
Daughter wants us to co-sign on a brand new car and we think she owes about $5,000 or less on her credid card. She won't tell us the actual amount, feels it her business and not ours to know. We told her we wouldn't co-sign untill the card is paid off and now she's not talking to us. I feel we made the right decision. Has…
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Credit Report
Hi Folks, Anyone got any discount codes, websites etc to gain access to your credit report cheaply. Thanks
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Please Help me get debt free
Hello.... I'm a single mum receiving income support, I have amassed around £4000 pound on credit cards and overdrafts since I had my child 3 years ago, I have tried to reduce debts with balance transfers and at the moment have around £2000 on low interest life of balance cards :D ...i still have £2000 in high interest debt…
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Hi - newbie here
Hi everyone I was in no debt at all until a while ago when my fiancee and I were going for a mortgage and I found letters from a debt collection agency for debt totalling £3500. I (stupidly) agreed to lift cash from my credit cards to pay them off (this was in November). But now I have one creditcard exceeding my £3900 and…
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-50k
Hello All, I have listened Martin on radio 2 before and it has lead me here. Although my business is running well i have accumilated a £50 grand debt :eek: . I have £15 grand in equipment and £15 grand in stock another £10 grand went on the deposit for my flat. The rest i squandered. What advice could anyone give me as…
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Crown bayliffs are after my father who's terminilly ill with cancer.
Do any of you know what is the best way to proceed with this? He's on a shedload of benefits including DLA. He lives in a council house and they have threatened to take away his furniture. He's currently in hospital because he collapsed today. The debt is a four year old debt, that he didn't tell any of us about. We're…
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How will my debts effect my Partners Credit Rating?
Hi all I'm slowly starting to get on top of my debts but it is looking likely that I am going to have to go down the IVA/ bankruptcy route. At the moment I'm selling my house and will be moving in with my girlfriend once the sale has completed. What I would like to know is how will an IVA or bankruptcy effect her once we…
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Wanted - Inspiring Stories
Would love to hear inspiring stories about how people have managed to tackle their debts and how they have managed to do it. How did you set and stick to your budget? What was it like to go 'cold turkey' and how long did it take to get into your new way of spending? Also interested to hear, how people came to their…
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Loan and CC
hi, i had a loan with HSBC (as i had my mortgage with them 3 years ago) unfortunately i had to move home to look after my mother who was very ill, i had to give up my job to do this. Although i agreed to pay a reduced amount on my loan the bank have put this as a default and after months of them cancelling my appointments,…
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Willpower
Good afternoon, I have just been browsing around the other posts and picked up some very helpful info, thank you! My girlfriend and I have managed to get into approx £23k of debt and have very little to show for it. Its putting a massive strain on our relationship now and its just so hard to see light at the end of the…
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How much did you spend today? 22/06
Helloooooo. Well, havent spent anything so far - but did go to the doctors this morning & stock up on loads of freebie medications (have a medical exemption certificate - one of the advantages of having an underactive thyroid). I refuse to buy hayfever tablets in Boots or the like as they are SOOOOOO expensive... Its…
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Car boot sale or market tips?
I've been thinking of doing a car boot sale or renting a market stall to sell off quality used/unused fashion items, tons of old LPs and bits. I've never done this before, anyone with any tips with best place to sell in London, hints for day, selling techniques (I'm not a good salesperson)?
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1
i have 5.000 on credit card . i'm paying 200 a month but intrest is 75 .what can i do to make it cheaper been refused 0 per cent due to trust deed.help please!
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Provident (The Provvi)
I am in a bit of trouble (lot of) with The Provvi. It started with a small loan of £200, with relatively low repayments about two years ago. (I found it difficult to get credit elsewhere having been told I had 'no credit history??). I now have weekly repayments of £100 a week and cannot afford them. I am worried about how…
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higher purchase how does it work
i bought a car on higher purchase , amd i allowed to sell it ? as somone told me that it belongs to the bank , but im paying the installments everymonth surley i can sell the car but continue to pay the instalments on the car ????????? very very confused :confused: :confused: :confused: :confused: :confused: :confused:…
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Best place to SELL second hand books?
In a bid to make some extra cash to clear debts I have just put a load of new/2nd hand books on Amazon to sell, but I have a boxload left over which don't seem suitable as they all seemed to be going for 1p each on the site (the ones I did end up putting on all seemed to be fetching decent prices like £4+). They are mainly…
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Help
hi everyone i really need some help............. im in debts over my head and im drowning...................... ok well i owe around 6.000 pounds to different credits i dont work due to poor health my partner works full-time and we have a 2 year old daughter.. i have been so low lately i try to reason with these people but…
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Getting out of debt - financial management
Most people these days seem to have the same problem with debt me included. One of my new years resolutions was to manage my finances better and reduce my debt. Again I got confused with which software to use. In the end I settled using my Excel spreadsheets. I also discovered the wonders of discussion boards and blogs and…
