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Electorial roll non Brittish/EU?
Hi everyone, I hope someone can help me out, Me and my BF are on the road to getting dept free after really struggling for the last 3 years (we, like most people here have this site to thank for that:)). In the process of doing this my BF has tried to upgrade his current account to one that has a normal visa debit card (he…
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Debt Recovery - Nursery Fees
I have a problem with nursery fees and would appreciate some advice. My daughter goes to nursery three days a week while I go to work. Last year we had some serious money problems which have now been resolved, however, I missed some payments to nursery. I thought I owed about ten weeks, my head was everywhere, and I have…
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How much did you spend? 21/10
Yo yo yo...... Hows everyone doing today??? Im feeling a lot better, but havent been to the gym all week, ooooops!!! Im so happy its friday. Bought some "Vie" shots this morning, £1.26, I must stop buying things and have a few "No Spend Days".... Not much to do over the weekend, might just watch some DVD's that I have,…
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Cccs Iva?
just a quickie if anyone knows, im waiting fofr my appointment with a councilor at the mo and im wondering if they offer IVA or is it just DMP its just if i can get an IVA at 50% hopefull i knowm then it would be so much better than paying this off for the next 12 yrs thanks klare x :confused:
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Help Help Help
I am very worried about a member of my family. He is over £25k in debt and can no longer keep his head above water. He came around tonight with what he thinks is the answer to all his problems. Has anyone heard of a company called The Debt People. They claim to negotiate with creditors on his behalf, he pays them £250 a…
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What do you have to show?
Hello Guys, First of all i'd like to say how amazing this site is! Secondly, i have been thinking about people's debt and how so many people are in debt, some are a few thousand others are more than a few. It made me think, what do you have to show for your debt? I'm about £15-16k in debt and i have nothing to show for it!…
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can someone give me a quick bit of advice?
Hi, about 5 years ago i had nearly £20k of debt and didnt have a clue what to do about it. With the help of this site and you guys advise i now only have £2.5k left to pay and feel very incontrol of my finances. However, my best friend (who has always had lots of savings and never needed to use her cc) told me last wk that…
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Badly in debt - not sure what to do for the best!
Hello all I would certainly appreciate any advice. I will try and keep this as simple as possible. I am badly and I am not sure of the best course of action. So, far I am keeping my head above water, barely, and no one is actually chasing me for the money. I clear about £1300.00 per month and my debts are as follows: MBNA…
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adding wife to bank acc
hi again after being advised by pay plan to open a bank acc with a different bank i went to abbey and after applying for one i had to wait as it went to the underwriters for validation, i was given a yes and shall be supplied with a cheque book and electron card, no overdraught facility as i told them no to this. the acc…
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How much did you spend? 20/10/05
7 days, whooppppeee do!! (until im debt free of course!!!). I was off work yesterday, been feeling a bit groggy all week, going to bed ridiculously early, like 7pm, so had yesterday off to recharge my batteries. Feel a lot better for it, but happy the weekend is just round the corner. Ive nothing planned (the sad person…
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Equifax/Experian
Ignore this!!!!
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Pro Rata Calculator
Can anyone point me in the direction of a pro rata .xls or online calc, without having to register, the payplan one is superb but you have to send them all your details. Need to input income and expense and at least ten creditors, a mix of loans and cards, not me of course, it's a friend, honest! Scouts honour! All the…
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really scared DMP will they except it really?
ive posted earlier about the amount i owe i have contacted CCCs and have an appointment in 3 weeks with a councilor i am at presant working out down to last penny how much i can afford realistically and with debt of £74266.23 yes thats right i am only able to offer a pro rata amount of £150 can i really expect them to…
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Credit Searches
If you have a credit search done on you do any credit card balances show on the search or does it just show that you hold credit cards? Thanks
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loan settlement figure help
43k loan taken over 233 months (320 pcm) 2 payments made what am I likely to owe if I were to pay it off tomorrow (not that I can!)
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Getting Hassled on the Telephone??
I was with a mate the other day, who was getting hassled on the telephone. It was not a diebt collector but someone trying to sell him something. Anyway, I thought his tecnique to get rid of them was brilliant: Ring ring... Friend: Hello OP: Hi its fsalkjhfs calling about cheap phone calls/move your gas/elec supplier/from…
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Getting the balance right/help!
First of all, just want to say what an inspiration a lot of you on here are. Cutting a very long story very short, myself and my wife have got ourselves in not a poor financial position thanks to various things happening, some within our control and some not. We have a house worth £130k Mortgage: 67k (5.7 with IF) Sec…
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Egg / Shoosmiths CCJ misery!
Hi I’ve posted a few times but not yet for myself – I’m wondering whether anyone here can offer some advice or share a similar experience with these people. First a bit of background. We were the archetypal overspent couple this time last year. Consolidation loan begat consolidation loan. In January my wife was suddenly…
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Letter Template to Creditors
morning all well after a very brighter day yesturday im ready to sit and write to all creditors ( i know i could call but i really dont want to be verbally hassled,,,,,,,,,,,,,,, chicken i know lol) anyway is there a site/ link that someone could let me have that has a template letter to creditors explaining my predicament…
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Desperate! Can someone help organise me!
Can anyone help before I have a break down? Changed my bank account to First Direct who advised that all direct debits had been transferred. To my horror, none of the payments went through to the appropriate organisations so now I am in arrears with my creditors! Then, First Direct charged me for being a direct debit that…
