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Overdraft debt
Is it worth transfering your overdraft onto a credit card to try and get rid of the overdraft and then just have a monthly payment so as you are not in your overdraft every month?? Thats if i can apply for another credit card?? :rolleyes:
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Help Required
Hiya folks, New to this site, in fact just joined today, but over Christmas I took a good hard look at my finances and decided action needs to be taken. Firstly, I'd like it to be known that my debt is managed well. I don't miss payments and have a decent enough credit rating. My reason for the hurry in clearing it is that…
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CreditExpert - a handy tip
About a month ago I signed up to CreditExpert (https://www.creditexpert.co.uk) for their 30 day trial. There were a lot of addresses on my credit report which had nothing to do with me, so just before Christmas, I submitted a query to have these removed. Because of the holiday period, the query hasn't yet been resolved,…
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It's all come apart !
Hi Guys, I have recently split up with my wife and she no longer pays any wages into our account. I have been ignoring my debt for months now - robbing peter to pay Paul, but this has brought everything to a head. After looking, i have credit card debts of 36,000 and two unsecured loands which add to 63,000 (this includes…
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How much have you spent today? 06/01/06
Well I spent £2.60 in the bakery and 94p to post an ebay parcel!
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Help me!! Credit card and overdraft debt
Since i have moved away from home i have gotten myself into some debt. I started off with an Overdeaft of £1000 and used to pay it off monthly, everytime i got paid. Then i started strugling and it is not a 0% overdraft and when i had been paid i was still in the overdraft. So many people were staying to get a Credit Card…
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Please help - posted for someone else
I've moved this from the New Year's Resolutions thread as it is lost in there. andrewzx13 Newbie MoneySaver Join Date: Jan 2006 Location: St Margarets Post Count: 1 Thanked 0 Times in 0 Posts Anyone out there that can tell me how to .... How to find out what I owe and where as I do know I have bad credit with some old…
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Bank Statement Phobia please help
This is going to sound silly but I have a fear of opening my bank statements and it's been going on for years now. I have decided that this month I am going to sit down and sort out my finances but the thought of going through my bank statements literally makes my stomach turn. Told you it was silly didn't I? I can only…
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i did it!
After spending way too much of my time looking at ways of earning extra cash, and sobbing my eyes out to very unhelpful people at Barclaycard, I took the next step into sorting my debts out...I called the CCCS, and man i'm pleased I did. I have an appointment with them in two weeks, and hopefully they'll be able to help me…
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advice would be appreciated, really worried
Hi everyone, I don’t know what to do and would appreciate any advice anyone can give. I have a debt of approximately 5647.12. I don't own my own property and am currently earning 985.00 per month after tax. I am thinking for an unsecured consolidation loan to pay off this debt. This would clear up the debt, The debt arose…
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Overdraft and credit agreement ?
Is there a credit agreement for an Overdraft ?. The reason I ask is that I'm currently trying to sort out my debts and the only debt we have in joint names is the overdraft on our bank account. I assume when we opened the account we would have signed a credit agreement at that point ?. Originally the account was in my name…
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A couple of questions please
Can some answer a few questions for me please. If you have been late with a payment in the past but only as a one off, if you then write to the company wanting to make an arrangement so that interest is stopped can they issue you a ccj? I know if arrangements like the one mentioned above is made it will affect your credit…
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Newbie needing some debt advice!!
Hey. Im not in a completely dire situation like other people I have read but I would just like some advice really. Im 20 years old, living with students but not a student myself. I have an £850 loan, £1500 overdraft and £375 credit card that im paying off at the moment. Im on a payment plan for the c/card which I guess is…
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Help help help
please someone must be able to help anser my thread below, i know im new but ................................ two small kids 2 and 18 weeks, i dint work and ex DH has left me with mounting debts and he has vanished completely.
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Real debt problems need help pls
For first time in life have found myself in real debt problems, i am on benifit with 2 small children under 5, DH walked out and now filing for divorce. Found that in joint names i now oew nearly £10, 000 and i really cant afford any of it, so far moorcrof have been sympathetic and allowing me to pay £5 a month, the bank…
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first draft of state of affairs
OMG this looks so bad to me but here goes: Home Rent £350.00 Council Tax £100.00 Gas and Elec £54.00 Water Rates £12.00 BT £10.00 Telewest £24.98 TV licence £10.00 £560.98 Personal Food £100.00 Petrol £70.00 Going out £30.00 £200.00 Car Advantage Finance £189.26 Car Ins £18.52 Servicing £50.00 (worked out based on 2005…
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totally up the swanee !!
can any one please help? ive just been off work the last 6 months for maternity leave for baby number 3, and being used to 2 full time wages it was a hell of a shock not having the money, so ive lived on credit cards (5 in total, one is my husbands)thinking that i would be fine when i get back to work, but on now doing…
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Are we due a nice lump sum?
in feb and march 2006 we don't pay council tax. i have just read an entry on this forum where some people were saying they don't have to pay water rates for feb and march. is this correct for all people or does it depend on water company? if correct and we have been paying for feb and march for previous years how do we go…
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Bankruptcy panic!
I have had a look at the posts on this forum and am hoping that some of you may be able to offer me some advice. I am married with two children ( a 2 year old and a 1 year old). I currently stay at home with the children but work for myself from home to fit around the kids. Our combined income is £2100 per month and our…
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Help, Need Advice Before It All Goes Pete Tong
Hi, I Am Very New To This And Need Advice As Where To Start. Situation: Mortgage £65,000, Debts £50,000. Monthly Outgoings £1900. Monthly Income £1500 (maybe A Bit Less Until April When Child Tax Credit Comes Back In Again). I Earn £22,000 Plus Bonus, My Wife Earns £2000. Tried To Remortgage With Abbey Nat As House Is…
