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how much did you spend today? 9th oct 05
hi all, well i spent 42p on a can of pineapple yesterday for homemade pizzas....today im confining myself to the house so i will spend zero!!!! how much will you spend today? :confused:
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Let's be carefull out there.
http://news.bbc.co.uk/1/hi/programmes/moneybox/4320878.stm
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advice needed please re credit card debt
i have a credit card debt which has been passed to a collection agency. i wrote to them asking for my credit agreement, i received a letter from them today saying they cannot supply me with this at the moment, but would i phone them to discuss the reasons for wanting the agreement. my question is what should i do next, can…
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Direct Legal (hillsden securities) Any info ?
I bit confused here. My O/H has a loan with Mbna which he's defaulted on. Who now owns this debt ? Mbna letter today saying 'please accept this letter as confirmation that your o/s balance has been sold to Direct Legal (hillsden securities ) All enquiries payments etc to be made directly to this company. Ok seems definate…
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another of those debt collector letters
I am hoping someone can help out here, my husband has received a demand for payment of £91 from debt collection company Aktiv Kapital, they demand these money from a very old toys R us debt. this debt was orig, with lombard tricity finance and has as far as i can remember been paid in full. it was actually first taken out…
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How do Payplan and the other DMA work??
Hello I've posted on this board a few times and what a great one it is. So many good people giving up their time to offer others advice! Anyway, I have a small (yet big debt query!). I finished uni over two years ago and I've yet to make any dents in my accrued debt. I really feel its time to try and do something about…
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signed credit agreement act
hi, if debits have been sold on to debt collection companys do i send signed credit agreement act letter to original lender or the company trying to collect on the debit. does anybody know if these get passed on. thankyou for your help pinktails
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Desperate!
I wondered if anyone could me any advice on deed of postponement - we were recently accepted by Gmac through National Guarantee for a remortgage that would have cleared our existing debt but found out today - at completion stage - that EPF, who we have a loan with, will not postpone our loan. The woman I spoke to at…
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Would you tell them if you were me?
My wife was brave enough to tell me about big problems (you know the sort) a few months ago. She didn’t want me to talk to anyone but I insisted that we needed help and as a result we are on a DMP. Thank Heaven for CCCS and this forum. She had wrestled with telling me for some time but having done so it has been a huge…
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do dma's work
we are continually bombarded with adverts about debt and debt management agencies. some say they can write your debt of within 5 years provided yoy have over £15000 owing and 3 creditors. do theses agencies actually work. if so how? what do they get out of it and in the long run do you get the advantage, or are you lsisted…
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new girl, bit complicated old debit ...please help
hi i am new and have read a lot of the posts and i am wondering if any of the advice can work for me. i had a few mail order accounts and credit cards a few years ago but after having to move 5 times in 18 months i lost track of a few of them. over the last few years one by one i have had debit letters through my letter…
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Advice on clearing Creditcards
I'm looking for advice on the best way to clear my credit cards, I have about £6000 on a total of 3 cards, around £2k on each I had intended getting a low interest loan, clearing the cards and closing the accounts. (5.5% I found in the banking & loans section) however was turned down. I dont want to try other companies…
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Serious Debt!!!
Going to try not to ramble on so here's the jist of the story... Me and Boyfriend, very happy, want to get a house eventually, both still living at home with parents Boyfriend in serious amount of debt, he does realise, has confronted it etc etc, very ashamed (has posted on here a few times i think) and is trying his best…
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How Do you Feel Now you have sorted Things Out?
I've had a bit of a lightbulb moment today.... I realise that even though I faced up to my debts two years ago (50K) and went into a DMP and even though I ensure that I budget so that I can pay my DMP, my basic living expenses and still have £10 a week to spend on me...(I find little things like a nice bath oil or good…
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debt collector advice
Hi all, (I copied this plea for help from the pub forum section) Have a drink on me. I need some advice please. My wife got a letter last weekend from a debt collection agency demanding £75. We called them and found that the debt was 5 years old. My wife had used a £15 to buy two items at Index total cost £50, she paid the…
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Really Unsure how to Handle this Advice Please
I have been in a DMP with Payplan for the last two years where I pay £203.00 a month. Long story but basically typical stupid woman who allowed herself to keep a younger man :o who felt that work was not something he needed to do, this invoved me paying off £15,000 of his debts :o I know I know! Anyhow to cut a long story…
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Glutton for punishment!!!
As the title says, I am most definately a glutton for punishment. I applied for a job a second ago, helping out at an estate agents down the road from me on a Saturday, and they called me, so i have an "interview" tomorrow. It pays £60 a day (after tax & paid weekly!!), so this will help with my savings big time, means I…
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Raising money by selling stuff
Hubby has spent the last 2 evenings putting a total of 51 items on Ebay (books, PC games, bike boots, leather jackets, even a laptop) and it's so exciting - we've got watchers already on just about everything. We should raise enough out of this lot (about £500 I'm hoping) to clear the overdraft and pay for Christmas. Have…
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How much did you spend today 07/10/05?
mmmmmm well aiming for nothing or under £1 as nothing to buy Will
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default notice on credit report
Had a default notice served on me more than 5 years ago when i failed to pay off balance of £157.00 to mail order company. Paid the debt immediately and although credit record states that this debt was settled in full in one payment, its still there in black and white for all to see. Can I do anything to have this removed?
