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any ideas welcome
Has anyone any ideas as to how me and my partner may reduce our outgoings. We both pay £800 into a joint account from which the household bills come out from. The money we have left in our own account is for our food and personal spending i,e running our cars.( thats another issue!!!!) Here is our monthly outgoings.…
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Ms_london Empty Your Inbox Lol!!
so i can at least send u a PM hun lol :rotfl:
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Help! Credit Score Destroyed and not even by ME!!!!
Hi, basically I went to the bank to get a business loan the other day which was declined. They said it was due to credit score - thinking it must be because I wasnt a home owner I didnt think much on it. The day after my wife received a letter turning her credit card application down, again for credit score. We got a bit…
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Does anyone have a spreadsheet...
or something similar that I can input all my incoming/outgoings onto on a daily/weekly basis to get myself organised? thanks people :beer:
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How much did you spend today? 20/01
Hello!!! Very sunny today, and friday - yaaaay!!! Havent spent anything so far, and have lunch with me so shouldnt spend anything for the rest of the day. Going to gym after work, and then might go to the cinema after that to see "Fun with !!!!!! and Jane".. Not much planned for the weekend, out tomorrow with friends for…
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Paragon loans!!!
I asked for a balance and apr on this loan and received it today. They actually sent a settlement figure and no apr. If I settle by 3rd march it will be £1,090.29 I pay £56.53 pm I asked for balance 20th october 2004 and it was £1,624.65 I have paid £534.36 in all this time. :eek: Just got apr by phone 16.06% Jessie
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Im really angry at myself!
Hi peeps, Just need to vent a bit really. I decided to put my car back on the road and my company helped me by giving me an interest free loan to fix it. Thats all good and well but it came time for the insurance and tax. Problem is that I was £50 short in my savings account to cover the full yearly amount. I rang Barclays…
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Adding a note to my credit record?
Hi Is it worth adding a note? I've just got a recent copy of the report and am wondering if it's worth adding a note... I'm with PayPlan and have defaulted on several accounts. I saw I also had an association with my father, who is a discharged bankrupt! Not good...
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Query with Credit File
Hi everyone, I wonder whether you can give me some advice with my Credit Expert Credit File? I recently received a copy of my credit file and was shocked to discover that there were some mistakes on there. A current account with the Halifax which I closed in 2004 was showing a default. I rang the company concerned and…
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Student loan ending - how not to overpay?
I am in the happy position of finishing my student loan next month, but I'm worried that the inland revenue will continue to take out the same amount from my pay check. I have written to the student loan company and told them that my final payment will only be a small amount, and that the deduction should be altered, but…
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Help with credit union offer.
Hi I have been in contact with my credit union this morning and explained I am trying to cut interest costs etc. This is what they have said. I owe them £1429.00 I have £909.29 in share one. and £154 in share two. I pay £120 pm the actual payment is £85 pm . I pay interest on the decreasing balance. I think she said 1% in…
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Can anyone advise on problems with my credit file please???
Hi everyone, I'm a newbie here and wonder if any wise soul could perhaps advise me? Yesterday, I obtained a copy of my credit file from Experian and Equifax as I like to keep a check that everything is as it should be. However, I have discovered that my ex partner's details have appeared on my credit file which has given…
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debt repayment/savings
hello, I want help with this quandary please: I have reduced my credit card debt to just over #700.00 by utilising savings last year. I am waiting a 0% balance transfer for nine months to complete. Do I reduce my payments when that has been done to #100.00 per month and increase my savings (+ my bank account is low too…
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Please can someome advise me now please? debt to egg and capital one
THIS IS ALSO ON THE CREDIT CARD SECTION SO PLEASE DO NOT GET MIXED UP THANKYOU I have two credit cards, and i'm currently unemployed I have accumulated charges on both accounts recently and started a dispute, however this has made the credit card companies wish to default my accounts and close them down. capital one…
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Advice Required ~Re. Student Loan!
I've recently graduated and have accumulated £20.5K worth of student loan debt from a 4 year degree...I've just checked my statement from the SLC, and its mounting up by ~£44 a month...by my estimates, thats about 2.6% annual interest rate - quite low. I've managed to save a substancial amount, abt £4k but thats put away…
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Thats me done !! I am truly worn out.
Sorry for starting a new thread but I am so impressed with this site and all you lovely people that I have emailed my two sisters and given them links as I know they are in a worse position than I am . They have huge incomes but huge debts and still living way beyond their means. I know I gave away far too much info on the…
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Help.
Hi, My name is Scott and I am looking for some advise. I have recentley been made redundant and I am unsure of what dept to pay off first and what dept to leave and carry on paying off monthly. I have £2600 on RBS card intrest rate promo finished this month. I have a £4600 on MBNA card Intrest rate promo finishes in march.…
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Payplan could not help - please help me
Had an appointment with payplan this evening and they can't offer any help. Spoke to my parents on the phone and confessed everything to them. That I am £13,000 worth of debt and can't pay it off. Parent are furious with me but offered get a 0% credit card and put the card on that I will pay it off each month. Got to get a…
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Releasing finance into my life in 2006
Hi everyone. Thank you to Martin and everyone who has posted here. Your information is very valuable and will be a great assistance as I move forward this year in financial discipline. :A I’m still paying off a total debt of approximately £7,330.90 and have an annual income of £13,000 gross. One of my debtors stopped…
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~~~ Bring out the harps ~~~
Soppy i know i know - i am a lurker on here, not in debt (maybe my £100) overdraft but i read almost everyday and i learn a lot from other peoples situations (that sounds a bit cruel doesnt it). Anyway you guys are a wonderful supportive group! Just wanted to tell you what you knew already lol.
