-
Question about transfers of debt - Light in tunnel appearing?
Morning peeps, I applied for an AMEX nectar card and cant believe it but they have accepted me for a card and they have given me a whopping £7,300 limit. I know I have got myself into trouble with cards but they have offered me 5.9% blance transfer for the life of the balance. So i'm thinking of transfering some debt from…
-
How Much Have You Spent Today? 22/12
Going Xmas shopping in a bit so god knows how much it will be! :doh:
-
how can I improve my credit score helllppp!
last year I had a few probs and a few things didn't get paid on time, ect ect I was passed on to a credit collection service through a mobile contract, which has benn paid off for over a year. For the last year I have done well and everything has been paid on time and started working last october(just over a year), I have…
-
Debt Free Today!
Finally after what seems like forever I paid off balances in full on my two credit cards today, my overdraft is clear too and I have a few £ in the bank to cover my January bills and mortgage payments plus the remaining few pressies I need to buy. I am expecting a baby in July so it couldn't have come any sooner and I am…
-
<£200 loan for one month?
As I mentioned in a previous post, I am in danger of having my overdraft facility taken away from me, as I have been over my limit in the last couple of months. Doing my monthly budget, I have realised that I will be approximately £280 over my overdraft limit if I do not pay any money into my account before next payday. I…
-
were next for debt
hope u can help i have lots of cards ect all over i have tried applying for non secured loans to pay them off but no one seems 2 understand i will not have these outstanding if i round it into one payment the banks (halifax egg lloyds) say because i have been a card tart it has affected my score! i have never missed any…
-
Credit Ratings !!!
Im trying to get my credit rating/reprt online or delivered to me, Have tried 2 now but they both need a visa or mastercard to be registered to get one, as my CC is maxed out I cant use it so is there one where I can buy one or use a free trial with by just registering my bank account card with? If not what can I do to…
-
Does anyone remember?
Does anyone remember the thread of a girl who was trying to clear her £10,000 debt on here without using her wages? although a lot of people on here thought it was highly suspect and rightly so. I just wondered does anyone know what the website address that she had going as i thought of going to have a look on it to see if…
-
Debt free at last
Hooray, debt free last month, just in time to spend loads on Christmas, but not on credit. I am keeping within our limits. I am just happy to be debt free again. Keep up the hard work all you guys eating away at your debts. There is light at the end of the tunnel. :xmastree: :rudolf: :xmassign:
-
to save or pay off debts?
Have posted before, but not directly about this. Am between £32-34,000 in debt - need to add up exact figures from recent statements. Rough guide debt as follows: £24,500 HSBC loan (7.9% - last payment in January 2010) £2,600 HSBC Credit Card (0% until 10 Feb 2006) £230 Natwest Credit Card (0% until Feb 2006) £3300 Virgin…
-
Declined by my own bank!!! HELP!!!!
Hello I've just heard of this website/forum and thought I'd give it a go. I am with a well known high street bank and have been with them for 7 years. I have a current unsecured loan of approx. £2000 (which I pay approx. 125 each month), outstanding balance on my credit card (which I haven't used for AGES, just trying to…
-
Barclaycard payment plan - advice needed
I slipped over my credit limit with barclays cc this month, so they've charged me! i haven't used me card for ages, but with it being crimbo... anyway, because of this, this month my minimum payment is £60, instead of the normal £20, which sucvks, coz if i had £60 i wouldn't have used my cc! I contacted Barclaycard last…
-
Home reversion plans
As someone who is in debt (credit card), new to this site and looking for ways out of the debt I did consider home reversion plans, unfortunately I am too young (you have to be 65), and while I may look it I still actually have twenty years to go...Are there any plans similar to this available for younger people. I am ill…
-
Bank error in our favour??????
morning all i received a call from my branch manager last night requesting my husband re sign his original loan, she stated that she had meade an error to the original claiming she had given cover (cnat remember now) and hadnt so does that mean anything ie is it now nul n void can they change the rates that were previously…
-
Surprise CCJ
Following on from my success with two catalogue debts of my wife's I've been trying to close down her 5 store card debts with what was G E Capital with a full and final offer. She's been religiously paying off her debts for nearly 2 years but now I've made a final offer I've found she has ne debt with them that is now a…
-
An obligation to inform about changes
Hi MSE experts, I've just read a proposal for changes in the credit law of one of the Nordic countries, and they suggest that a borrower should have an obligation to inform a lender about possible future changes in his/her financial circumstances as soon as this person knows about them given that they will have an effect…
-
How can I get OH to face the facts? Please Help
Please please bear with me on this one. It’s a long post but everything seems to be such a mess and I don’t know where to start to sort it out. What’s more I’m 5 months pregnant so all this stress can’t be good for the baby. All my worries are about mine and OH financial situation In short, I owe £2500 on c/c and have…
-
Applying for a new credit card?
I am thinking of getting a new credit card with a 0% or low for life BT interest rate, as I currently have a balance of around £900 on an Egg green which I've been paying interest on for about a year (!). At the moment my credit file I believe will be showing me as in arrears with Freemans with the last 3 months being late…
-
have i made a mistake signing up with a debt management co
Can anyone advise me what to do. I am ' £60k in debt, recently divoreced and rent my home. I do not have any savings or capital other than a possible settlement figure to come from my marraige which could be anything from zero to £30k depending on how good my solicitor is at getting a settlement hence why at this stage i…
-
A Christmas Story...........
Look, said the wise man, a star! Lets follow it! The wise man and his 2 friends followed the star, it led them to the maternity ward. "We bring gifts, Gold, Poundsandpence and Apr's" The baby looked and gurgled. The sight of the 3 wise men at the maternity ward was unexpected, security were called. "How did you get in?"…
