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Debt-free wannabe

Archives for January 2006

bailiff advice
Right heres my situation, I live in a flat what is part of a old house that has been convered by the landlord into 3 seperate self contained flats. All the flats are seperate apart from that they share the same front door and common hallway, all 3 flats are registered as seperate flats by the electorial role & council tax…
A suggestion for you all..!
If most of your journeys in your car are spent on your own... buy a scooter!! It cost me £200 for a years insurance (I'm 19 and insurance on my car was over £1,500!) Tax is £15 instead of £180ish for the car MOT is £15 instead of £40 Best of all, it does 100mpg! In my old car I was lucky to see 22mpg, so a HUGE saving…
SOA cont from ' scared to lose the house' thread
ok so ive done my SOA which was followed by a fight with partner and then me sitting alone crying for an hour. i dont know if this could get any worse we are paying out double to the income we are actually getting in. fingers crossed for me that my job interview goes well on friday ok here goes......... Monthly income-…
Scottish bankruptcy help
Here's one for ya' Declared bankrupt in Scotland October last year Bankrupts name only on the deeds O.R. claiming the house Is the wife of 6 years entitled to half the equity? Does anyone know a good solicitor in Scotland?
IVA v's DMP
Have been advised that I can have an IVA or a DMP am progressing with a DMP at the moment through Payplan. After reading some things on this site and various others I am confused over which option to take and which would be the best for me. Am currently in debt of around £54000 this will reduce by quiet abit when I manage…
Pre-paid credit cards to budget
Can I just say that I don't work for this company or anything first of all! It's just that at work we got flyers for a new prepaid credit card called bluecorner. They're really aimed at kids to be honest but I thought that someone might find them useful for budgetting purposes and buying things online etc. Again - I don't…
Full and final offers -please help!
I've got an old t-mobile account that I'm thinking of making one of these offers on and I really need some advice about how much etc. The original debt was about £150 but it's escalated to just over £400 with costs etc. To be honest, it's registered at an old address and I haven't had anything for it for ages and ages -…
Ccjs Out
Hi everyone just want to say the advice i received last week was wonderful, and felt like a million tonnes lifted from my shoulders. got a couple of other q's, and can i say thanks again, to those who spent time to reply before. This should be government sponsored, but then they would ruin it probably. but its best advice…
Progress!!!!
After sending out my CV to 40 odd Estate Agents on Friday I have had a couple of calls. I popped into one of them today for a chat with the Manager and he can offer me some Saturdays in Feb, and I have just had another call from another and am meeting them tomorrow evening, and they can guarantee every Saturday. I also had…
Pay which credit card first?
My friend has approximately £10,916.54 credit card debt and is repaying £313 a month which just about covers the minimum repayments. The debt is spread over 6 cards, here is the details, Capital One £1295.57, paying £39 monthly, apr 5.9% lob, min repayment 3% CitiCard £2073.86, paying £72 monthly, apr 5.9% lob, min…
Im so scared were going to lose the house
We are in so much debt it is scary and shocking. we were always in a little bit of debt but last march my job wasnt good and kept forgetting to pay wages in the end they just said it was closing down in the summer well i was already on maternity leave so i decided to not go back and i would stay at home for the first year…
New member needs advice
Hi there, I am new to this site but feeling quite motivated just by reading all the other threads! I have been riddled with money problems for a very long time, my husband and i separated and he left me with two loans and credit card debts. I had to move into a new flat of my own and made the mistake of buying a lot of…
What should I sell on ebay??
Hi guys, I've read the ebay board but wanted to ask my pals on DFW ;) I've been selling my kids' outgrown (decent quality) clothes on ebay to raise a bit of extra cash, but to be honest with you it only brings in a couple of quid here and there. That's fine, don't get me wrong cos I'm grateful for every penny :p !! I've…
bankrupcy fee's
I've having a hard time trying to get the money together to go bankrupt. I've been advised to talk to the citizens advice as sometimes there's away to getting funding or something. The problem I've got is work won't let me have time off and the only time ca are in my area is monday, tuesday and thursday, 10 til 12. Any…
Making money
Hi all, since joining last week i have made lots of cut backs and as you can see from my signature i have joined the £2 coin savers club, and i have sold a few things on amazon. however, i am always keen to tryand make a bit more money especially from home as i want to reduce my hours at work. Any one got any good…
After Effects of Bankruptcy
My OH is considering bankruptcy. He doesn't own a house or anything like that, so he's probably in a fairly straightforward position. But what we're really scared of is how long the after-effects will go on for? In terms of his credit rating, getting a mortgage a couple of years down the line, etc. Does anyone have any…
Woman's Own Debt Advice
In the 6th Feb addition of Woman's Own magazine there is an article on debt advice so I thought I would share it with you: The average household debt in the UK is about £7,749 - a 45% increase since 2000. One in three of us are hiding debt problems from our partners. You should plan a weekly budget and stick to it. Don't…
Money back from debt collectors
I have been referred to a debt collector for money I think i shouldn't have to pay. I am currently disputing it. The debt is with a phone company. I am considering complaining to otello (the communications watchdog) but by the look of things it would take several months. If am forced to concede and pay the debt to stop it…
Advice to make OH see the light...
Since I found MSE, I've been trying really hard to get our finances in order. I'm still in fire fighting mode, sorting out urgent debts, getting back under control etc, but I think I'm doing pretty well. The thing is, how do I get OH to think along the same lines? He knows how much debt we're in, he knows it's pretty…
In despaerate need of advice!!
Ok where do I start? In a nut shell I'm in a relationship and we're wanting to live together at my property with a small mortgage in my name. We both agree that what's mine is mine and what's his is his. My partner essentially has nothing but a failed business and debt of around £30000 which he has run from for the past 18…

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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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