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New Year, New Start (Well Actually Carrying On Where I Left Off)!
Am a bit p'd off today! Don't get paid until Friday and I'm £144.67 overdrawn! I'm waiting on £155 to be transfered to my account from Paypal so it will cover it but I really wanted to use that money to pay off my Egg card! :mad: I spent just over £200 this Christmas, that was on presents, and a all day work bash (very…
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TV advert
My very good mate is in real trouble, I keep seeing the tv advert about being debt free and the loop hole in legisation that could allow you to write off your debts. I am sure it's to good to be true but does anyone have any idea's what they are talking about?
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Equifax updated
I saw a post somewhere yesterday and i cant find it now but they were asking when equifax updated there system for the new year. so i just wnted to let you know i had an alert this morning saying they had updated there elec roll.
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How to budget with variable income
Hi all, I have been using a lot of advice gained from this site for a couple of months now, and have succeeded in knocking 1k off our debt. Remaining balance =2.5K:j However my main problem with budgeting is the fact that my husband works on a comission basis and some months our income only just covers bills and food. In…
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Help with a CCJ
:confused: Hi everyone, Those kind people at HBC gave me a CCJ last year, gave them a offer of £30 which they accepted. But one year on they want to know all my out goings again??? And they want to see a better offer again, are they right in doing this? I thought once an offer was made, and all payments have been on time,…
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!!!!!!
I cant believe I just sat for an hour typing my first message/questions only to have it not post! ( telling me I'm not logged in, even after I had logged in first! ) AAAAAAAAArgh......!!!!!!. Happy new year.
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Cccs Or Payplan
I've come to the conclusion that I must make the move and use one of these agencies. Any suggestions as to which is the best one to use??
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Some advise needed on old debts still on credit report
Right, here's a bit of cry for help - all I really need is some pointers and maybe advice on where to look, I'm keen to do all the research I can but there's no sense in me spending hours reading useless information, especially if some of you guys know better! The situation is this: I'm just turned 24. When I attended…
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Student Loan Debt
I know I'm not a typical debt free wanabee as I have no credit cards, overdrafts or bank loans but I do have a student loan and I'm not sure what to do with it. I finished 4 years studying in July 2005, I took all the loan I could for the first 3 years which was nearly £9000 and got a bursary for the 4th year (did teacher…
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Debt Free for next xmas
Hello! Ive decided to post my income and outgoings as a spur to myself to get debt free and to field a bit of advice too. Im posting my personal budget so the household expenses etc are halved (mostly, some are my bills only like pet insurance) because the boyf is finding a job to contribute his half. Some of the bills are…
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Getting money out of car!
Hi My sister in law is in debt, not a huge amount but out of her depth :( the citizens advice have told her that she is best going bankrupt but she has enough equity (is this the right word?) on her car to cover the total amount of debt. but she cant sell the car because its still on finance. Is there anyway of legally…
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Attention newbies with debt! What is your 2006 New Year debt resolution?
I suspect there are a great many people who read this forum and who have debt problems but may feel unable to post a message here. This thread is for YOU! Everyone here either has a debt problem, has had a debt problem, works with debt problems - or like me - used to work with people with debt problems. 2006 is a new year…
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help with my very streamlined budget
right you lot - i need some more ideas on how to be tight lol. i have spent the last month cutting back my budget but i need to know if i have missed anything or if there is anything else i can cut back on. here goes: income myself 1000 partner 980 total 1980 outgoings rent 475 council tax £52 gas £9 electricity £29 water…
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The 6 year rule
Dont know if anyone can answer this but it got quite heated in a conversation at work. If you default or get a CCJ on a credit agreement then you get a notice on your credit file. This lasts 6 years How long before the banks or credit card companied start to ignore this? ie. a freind has a CCJ that is four years old, now…
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help with some maths
If someone is paying £200 a month as a minimum payment on a cc debt at 6.4% Life of balance, how big is the debt? Don't know if the min payment is 3% OR 5%. Is it possible to work out the sums that way? TIA
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Debt vicious circle
Hi All, Have just found this site today and wished I had found it earlier (happy new year). Looks like I am not the only one worrying myself ill with debt. I owe about £60k in unsecured debt at the last count following a failed marriage and a spell of illness which left me unable to work. but enough of the life story we…
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Pay off debt: sell stock or roll into mortgage?
Hi, I am married with one child - my wife doesn't work. We have over 60k in credit card/home equity debt. Sending my wife back to work isn't a real possibility and I can't find a 2nd job that would be flexible enough to allow for the extra time I am sometimes required to put in at my current job. I also can't seem to find…
