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Debt-free wannabe

Archives for October 2005

Inspired by Ms London!!
I've been using this site for years now and have got my debts all sorted into manageable chunks - but they're quite big chunks!! After reading all of the congratulations to Ms London and her newly acquired debt-free status, I decided to post my countdown to debt-free date on here to help keep me on track... I don't have…
What to do about loans?
Hiya, Im looking for some advice about my 2 personal loans. One is with Northern Rock with about £9300 left and the other is with IF with about £12000 remaining. I am paying 8.7% on both loans and a friend suggested that I try and move them as the interest rate is too high. I have tried applying for both Abbey and also A&L…
Update - results of Ebay sale!
It's been a while since I posted, but some of you may remember that hubby and I had just put a load of stuff up for sale on Ebay - books, PC games, bike gear, clothes etc and it made £550! We were absolutely gobsmacked. That has basically wiped out our overdraft and paid for christmas. We've also decided to move house…
Charge on Mortgage
Hi, This might be a long story. I hope I explain it properly. H2B owed 2K on finance he took out on a car he bought in 2001. He then was given a co car and took car back and cancelled finance agreement. Garage owner claimed work needed doing on the car, h2b offered that he gets the repairs done, Garage owner said the work…
Just found this site!
Hi all, I found this site this morning and would like to tell you a little bit of my story. Back in June I got married and it cost us a lot of money and half of it was saved but the rest had to go on a loan. I didn't think that would be a problem until I came back from honeymoon to find out most of my direct debits had not…
To Consolidate Or Not To Consolidate- Tat Is The Question
I am new today to this, so excuse me if these are already covered in previous topics. My partner had loads of debt (she got a Trust Deed), she now has sorted out her finanes in her name, however I have just found out that she has taken out credit cards in my name and been hiding the bills when they came in. I am not a home…
How much did you spend today?
Hi All. It's so cool. I checked my online banking today and they have removed my loan from it, so its not there anymore. That has just made it sink in so much more (I know its such a small think, but its fab!!). Mind you, I got home Friday to receive a letter from my bank asking why I had cancelled my DD with the loan co…
Morning Peeps - weekly update
A quick update from my week. New bod who is renting the spare room paid the first weeks rent £60 in cash and I have put it in a pot ready for hte next cc bill to come in. Did another bootsale and got £300 (split only 4 ways this time) so £75 raised - money gone into another pot ready for another bill to come in. I have…
A bit of encouragement
Hi Everyone, Just thought I'd do the decent thing and post up about how much better things are now all my debt is under control. First off I realise my debt isnt as huge as some peoples. But once you realise that you have taken control things get so much better. I am slowly climbing out of debt but what I have found is…
Debt is ruining my life....
Hi all, Im new to the forum and only found this fab site a while back. I am in round £10,000 debt and struggling to cope with repayments. The worst thing about my situation however, is the fact that it is stopping me get the job of my dreams... I have got very depressed by my situation and find it very stressful dealing…
Help with debt collection
Would anyone be able to offer advice on how to proceed here? http://forums.moneysavingexpert.com/showthread.html?t=106632
charging orders
This was posted on the motleyfool dealing with debt board and will be of interest to some of you. The person involved does not appear to have gone in with anything backing them up IE no records of harrassing phone calls, no unreasonable letters, no failed offers from CCCS, etc. They just turned up and said it was…
Mistaken Identity
This isn’t really a debt problem, but I hoped that with the expertise shown in this board someone would be able to advise me. For the last few years I have been aware that there is another person with the SAME NAME & DOB as me. For a number of year this didn’t really cause any problems – just the odd c/c company telling me…
Credit card "debt" crisis..help!!
Hi, i'd really be grateful if anyone can offer some advice - my friend had an Access credit card provided to him by one of the high st banks between 1999-2000. In 2000 he got a letter from them stating that as he did not use his card, it would be cancelled, to which he agreed. It made no mention of any outstanding debt. He…
Please Help!!!!
My husband previously worked as a manager at a business and left due for various reasons. Recently we have found out that the company has since fallen into financial crisis. It appears that they have not kept up with payments. Here is the dilema, as manager at the time my husband sigend for items and products needed for…
Help for First Time Posters & SOA Calculator
This is a really useful thread for newbies to the Debt Free Wannabe Board New MoneySavers should read this in conjunction with Where To Start With Problem Debts on the main site. Welcome to MSE and the Debt Free Wannabe board. :D Now I know this is a bit of an essay but please read through the whole thing. In the long run…
Coming clean
Hi All, I have to come clean. My debt problem has not got better, it's actually worse. My debt is £7000 Loan £800 O/draft £7800 altogether. Yes I've had a fair few knockbacks, unexpected bills etc, but ultimately its my own fault. I spend more than I earn, bury my head in the sand and then add the overdraft to the loan and…
Consolidating debts with a long term loan?
Hi I owe £10K from credit cards, loan, overdraft, and catalogue. These debts started as a result of a breakup. However I am now a very active moneysaver in every sense, thanks to this site mainly, but find myself with hardly any cash left over each month because of these debts that i am only paying off very very…
I'm in trouble
Hello, I'm a newbie to this site, and I admit I have been lurking for a few days. I can't post messages at work, so I've just been reading. I have a day off today, so here I am. I'm in a lot of trouble with debt. I'm not proud of myself, to be honest, I'm pretty ashamed. My partner and I owe £95,741.35. None of our family…
Annoying Phone Calls!!
Just want to say 'HELLO' to everyone here in this part of the Forum! To cut things short Yeah in Debt, Lost my Job with Marconi like 1000's of others, in new job paying back debts with CCCS (Excellent service and totally FREE) But Phone calls are a bloody joke now! What I have done Got..... CALLER DISPLAY! Got Anonymous…

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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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