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Debt-free wannabe

Archives for July 2005

Proud of myself
Hi All, Seemed to have cracked how to have a social life without breaking my budget! Went out last night and went to two bars and a nightclub, yet managed to spend just £18! My best friend and I now take it in turns to drive (her turn last night), so we pay no taxi costs and it is safer. I paced myself well so that while I…
Ms_London hows the new job going?
Has any one heard from Ms_london at all in how her new job is going i know she posted on here previously to say it was going ok, but i havent seen any posts from her in a while just wondered if she was still doing alright in her job..... James
Please don't be harsh on me!
I am the mother of a 24 year old daughter who moved away from home when she was 20. She went to live in a flat that was bought by her Dad, which was paid for partly by cash and a small mortgage of £20,000. The understanding was that she would pay off the mortgage at a rate of £200 per month with further top ups as and when…
win cash mony complety free
reported referral link
Northern Rock Loan
Situation: Northern Rock Loan £7000 first payment £240.44 for 36 months starting 15th Novemeber 2004 and continuing now. Loan amount: £7000 Payment Protection: £818.09 amount of credit: £7818.09 Charge for credit: £837.75 Total Amount payable: £8655.84 APR 6.9% I know I am well into the personal loan but at this moment in…
Question about a creditor/ debt agency
I was in an arrangement to pay a debt agency in respect of a debt to carphone warehouse of about £350. I had a letter from them when I got back off honeymoon to say that they had handed the case back to carphone warehouse and not to make anymore payments to themselves. Unfortunately, as I had been out of the country, 3…
New snowball calculator
Dear All There have been some changes to the snowball calculator at http://www.whatsthecost.com/snowball.aspx. As many of you will know this nifty little tool allows you to enter in your existing debts and works out the most efficient payment reschedule for you, by prioritising the debts highest APR first, giving you your…
wife might have to go bankrupt -implications for family?
hello, i first want to say what a great web site this is! I have read all the brochures from the government about bankruptcy and they just got me more confused as they are so poorly written. I have learned so much already just reading this site! i'm a husband of a woman who is self employed (ltd co.) and who has been ill…
DMC's - whats the opinion?
Hello, I am brand to this and would like some opinions! I currently have a debt management programme through Harrington Brooks, my debt is large and they are charging me £40 per month to deal with it for me, i have been with them for two years and they have estimated that it will take another 9 to pay off all my debts. i…
Yikes!!!!!
Well, I'm now solvent again after about 6 years of struggle. The only debt left is a £101,000 mortgage (house value currently about £150,000). So, decided to look over the figures of the last few years and here's the "yikes" moment - my bank charges from January 1st 2005 to September 1st 2005 total £892.51 !!!!!! :eek: So…
Any advice for a person with bad credit?
I have a default on my name which still has almost 5 years before it comes off my record. Completely my fault, an oversight when I moved address. I found out about it after getting rejected for a new credit card and was advised to get my credit records which I did. I paid it off straight away (was for a small amount,…
information required about secured mortgage and loan
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Heavily in Debt!!!!! Advice please
Hello to you all out there. I have been reading a lot on this website but now need some advice myself. My husband and I both have loans and have been silly in our spending. We live in a cottage that is worth £195K - £200K. Our mortage is £125K. We also owe between us on cards and loans a whopping approx…
Debt Problem ... longish post
This post is all about my O/H. We've been together 4 years. I've always known he had debts ( he said 20kish ) but he's wanted to handle them and I didn't interfere. Basically 6 months ago he broke down crying. I found out how bad things were. What had forced him to face reality was letters from the I.R. threatening…
"Notice of an application to register a restriction against the land."
Posted here before and people were very supportive. Now to explain the circumstances; My partner and me have a joint mortgage on the house we both share, though we have our own personal finances as well. Her's have been increasingly messy over the last couple of years, though she insisted it was under control. However, I…
About To Go Bankrupt Advice Please
Hope someone can offer some help please. Recently divorced one 4 year old child, living in rented house fire at my business has destroyed all my equipment can no longer trade and was not insured (long story) no business debt but personal debt of £30,000 + am working earning £27,000 but with a lot of outgoings and…
BBC TV programme looking for people in debt
Just received an email from BeOnScreen - new BBC prog called Beat the Bailiff is looking for people in debt to help (and help them make their programe) LIVING BEYOND YOUR MEANS? LIKE TO SPLASH THE CASH? Overdrawn at the bank? Max'd out on the plastic? Too many loans? Bills piling up? Behind with the rent or mortgage?…
Creditors after bankruptcy
Hello :j I have been following the bankruptcy threads for a while and would like to raise a relevant point. Following my bankruptcy I was told by the Official Receiver (OR) that I was to have no more contact with my creditors. I was advised by him that they would inform the relevant people that I had declared myself…
Advice on debts needed!
Hiya there, I would really appreciate some advice on how to sort out our financial situation. First of all the facts: My husband is working full time and takes home about £2100 after tax. I am working part-time and take home about £700 after tax. We have a two year old son who goes to a childminder 3 days a week (allowing…
Advice on credit repair please !!!
Hi, I am new to this site and need some help! I have recently graduated from uni and now really need to sort out my financial situation. During my last year at uni I was really struggling for money, I was working part time bringing home £200 per month and had my student loan of £3000 per year (£1000 per term), but whenever…

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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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Debt-free wannabe

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