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How long to pay off debts?
Hi, I am sat here looking at my credit card statement (I transferred 3 cards to one 0% card with a view to keep changing to 0% cards if possible) The balance was: 12,278.76 Paid minimum payment: 368.36 Current Balance: 11,910.40 How long will it take me to pay off this card (assuming I can stay at 0%!) if I pay minimum…
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Payplan & Mse
Just a quick thanks to all who advised me on the forum, was having sleepless nights and feeling sick over unsecured debts of 40k. after taking advice on here contacted payplan who have been brilliant at getting things sorted. In the process of setting up a DMP which will take ages to pay off but they deal with everything…
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'Zero Debt' by Lynnette Khalfani
Hi, Has anyone read this book and/or put any of it into practice? I have been reading it and it seems really straight forward. (Not unlike much of this information on this site) Any comments greatly appreciated, Bunny
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Charging Order Loan
Hi, We own our home, the mortgage is paid off. But a bank has a Charging Order on the house to cover a previous business loan. The bank has occasionally written to me, roughly once every five years, but has refused my offers to meet to discuss this matter, when I write back. During the last year we have received letters…
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HELP - £9,000 credit card ebt
i am new to MSE and i need some advice my partner and i are about to purchase a house (2 weeks from completion) and i have just found out the full extent to how much he owes on his credit card which is £9,000 unfortunatly i opened some of his mail (big row ensued in which i pointed out that he shouldn't of kept it from me…
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so chuffed, got to tell some one!!!!
Hi all, Needed a new current account but checked my credit file first and found a ccj for £100 (DVLA, passed car to trader who didnt do log book) my own fault, I know. :o and a forgotten credit card debt (had moved, thought it was settled) So hey no full current account for me :eek: Checked a few threads nat west step…
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Getting A Little Nervous!
OK, on 21st March my Amazon 0% card will start accuring interest and I am worried I won't be accepted for a new 0% card or a low life balance card. However, since I last applied and got rejected I have had my ex removed from my report (don't know why she was on it in the first place :confused: ), had 3 accounts closed that…
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The £2.00 Coin Savers Club
Thought I would start a new thread for £2.00 Coin Savers….. a sort of club... lol :p My £2.00 Coin Piggy Bank (see wonderful picture below – hee hee) was starting to get really, really heavy, :D so I emptied it out and a massive 44 coins are in there saved since last December. I popped into the bank this afternoon and put…
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Debt, redundancy and other things...
Hi all - thanks for your kind words on the other thread. I am going freelance (I am a journalist) and am hoping I can earn enough to keep afloat. I have my lodger's money - £350, and regular shifts on a naitonal newspaper on Saturdays, so that should be another £180 a month, or possibly a bit more once I am self-employed…
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MBNA debt
has anyone had a debt problem with mbna.My wife has £11500 she owes on a credit card. We have gone through Payplan who are currently setting up a debt management plan for her, I believe that MBNA are quite aggressive and may also put a charging order on property, has anyone got any experiences they wish to share with me.
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Ironing at home
Hi I am looking to make a bit of extra cash- I work part time but I am well below the tax threshold. I was wondering am I able to put a card up in the local newsagents advertising ironing at home? or would I have to be registered as a business? Just dont want to tread on anyones toes!!!! I was just looking to make say an…
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advice re tax and bankruptcy
Hi all some advice please! We are due to go bankrupt on the 13th of feb with joint debts over £125,000.00 all in unsecured credit My question is i have read/heard that my tax and national insurance will be used to pay creditors is this right? if so how does it work? second question we understand that we will have to see…
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MBNA now saying we aren't paying enough after originally accepting Payplan offer
We are currently paying into a DMP with Payplan who have been great. The only company we've had problems with is MBNA and they are at it again! After accepting the original offer and taking our payments for the past 3 months they are now saying that we aren't paying enough and must pay more. We can't afford to pay more at…
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Do little amounts really help?
I have a debt of 22k 12k on a decent rate loan that will end in 4 years 10k on credit cards that I want rid of asap. Our budget is tight and dont have much room left for big overpayments. What Im having trouble getting in to my thick skull is that any extra is worth it. Does it really help to bring the DFD nearer even if…
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Feeling disheartened today - anyone else?
Some good and bad things have happened since I last posted. Good: We finally did our budget based on the SOA. It's going to be tight, but as long as H's income remains adequate we might manage (see below). We have decided to cash in some stocks which we had earmarked for income in our old age (in lieu of a pension fund) to…
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Can I transfer a part of an overdraft?
Hi all I’ve been accepted for an Alliance& Leicester current account with a 0% overdraft rate – hurrah! Except, they’ve given me an O/D limit £1200 less than I need! They can’t match my current overdraft as I can’t show that I’ve been in credit recently. :-( I still want to take advantage of not being charged for the bit…
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IVA's and Student Loan Payments
Hello, I entered into an IVA last July and included in it were all my debts, including my student loan. However the Student Loan Company have still been taking amounts directly out of my pay. The accountant who helped us sort out our IVA has said that I should contact them and ask them to stop taking the payments and also…
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0% v pay it off soon as poss. Which would you do?
OH has applied for an HSBC card to BT our last £900ish onto. Chances are with his track record they'll say no, but if they agree to one, we aren't currently sure what to do. We've been paying off £250 every month, some months a bit more if there's a bit to spare, and with a bonus he's due in March the card should be clear.…
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Writing debts off
Hi does anyone have any experience of this. I watched beat the bailiff the other day and they said about writing off small debt under £100 trhis would help me immensley if i could. Anyone know how to go about it. Carli
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How much have u spent today? 30/1/06 thanks *sparkle* lol
Ive spent nowt so far and intend to keep it that way although at some point im going to have to do some shopping for the rest of the week, but not sure its going to be today cos im tired and i need me bed :rotfl:
