-
dept help - especially mbna
I recently changed jobs, and after 6 weeks into my new job, have been made redundent. no problem i thought as my payment protection insurance will pay out on my loans and cards. I phoned insurance company to make a claim, only to be told because there was a gap of more than 2 weeks between jobs i am not covered and they…
-
Am I Heading in Right Direction??
OK I've been posting for a while now but never put my own SOA on here. So I guess I had better! :eek: I can't see where I can make too many cut backs (though open to suggestion of course!) but I would like people's opinions on how to tackle the remaining credit card debts...am I doing the right things? I am trying to save…
-
Do overdraft charges count as bank charges?
Dear All, I have held an overdraft with the same bank for many years, only recently I have begun to stay within the overdraft agreed limit. Previously incurring alot of £25/£50 charges. I recently read Martins tip on reclaiming bank charges although he was talking about direct debit payments, do overdraft charges apply?…
-
Whose got a debt of around £3k?
The reason why I am asking is that I wondered how much you are managaing to pay off a month and when you think you will be clear of it? I know to some £3k is a ridiculously small amount, particuarly when some people here have debts of £50k plus, but I remember looking at my debt when it was just a £500 overdraft (which…
-
The 'Money Saving' Game
I realised today that I have been playing a game with myself (aided and abbetted by all of you) over the last 3 weeks since discovering this site. It's called 'The Money Saving Game'. It's a game full of challenge, cunning and excitement. To be able to play you have to have determination, stamina and a sense of humour but…
-
absolutely desperate
hi, i have been reading this site for a while, in the hope that it will enable me to take control over my fincances. i have unsecured debts of approx £8000 (i think - too scared to work out the exact amount) and have been threatened with court, bailiffs etc. problem is, i know what i should be doing, but i have health…
-
SOA/Realistic budget??
Been lurking & inconsequentially posting for long enough. I’ve already learnt a lot from doing that and have put some of it into practice but it’s time to stop dabbling and take the first real step. I need help! I’ve been in debt nearly all of my adult life. Although my debts aren’t huge at the moment, it’s been a cycle of…
-
Help! Letter threatening court action
Hi I have received a letter today from solicitors demanding I pay full balance £1020 in 7 days or court action will be taken with no further notice. This debt is against a property management company and for the factor we pay on flats. We now have a new property management company as they were so incompetent. They forgot…
-
My Husband wastes our money!!
We only have one wage coming in as im at home looking after the kids and my husband has got several insurance policies that i think are share's or something similer, we can't make ends meet and he's payin at least £20 a month for all these which we can't afford. Hes had these policies for years when we were better off, so…
-
How depressing to spend the most part of your salary on debt!!
Hello As you can tell from my name, I am really broke! I have just looked at my credit report and my rating is poor. I have missed a couple of payments due to moving house but nothing serious. I am sending of proof of my new address so it can show that I am on the electoral roll. I feel down as I don’t seem to be able to…
-
Debts and savings, what to do?
Hi Great site, lots of good ideas, heres my first post of many i bet I have debts of around £5500 on credit cards and loans. I currently transferring them all onto 0% credit cards so that i can save money and have more control over them. Also in the process of opening a A/L current account just for bills. So i know exactly…
-
Standing orders and DD what's the difference?
OH has got a new 0% card and normally we arrange a direct debit so that we make sure that we don't miss any payments although this only covers the minimum payment. We could set up a standing order through our on-line bank account. What's the difference in the two with regards to our and their (CC company) rights? I think…
-
Also inspired - big thank you
Hi all i have been lurking around here for a while now and love all the great advice that you give. I only have 1 debt (as I finally paid my last installment on my student loan this month :j ) and that is 4765 on a nationwide loan. I can pay this confortably on my salary and it is due to finish in 20 months. However, after…
-
thank you
i'd just like to say a great big thank you to everyone on this board for changing my attitude to money over the past few months, my head is now completely out of the sand thanks to you guys, and im already made huge changes to my finances which i would never of done if it was'nt for you lot, :beer: I have posted on here…
-
Totally Inspired Today
I'm feeling totally inspired by all of you and thought I'd share with you how I've saved money today. As you can probably guess from my user id - I have three boys and they eat us out of house and home. So today, I resolved to save money and, so far, I have made my own bread, made scotch pancakes for breakfast and only…
-
bank paid off my credit card!!!!!
Just checked my online account and it seems my bank paid off the balance of my credit card, :j but the next day billed me for it all again! :o Statement says.... 20Mar 20Mar 000BA0** ADJUSTMENT TC 280 768.28- 21Mar 21Mar 000JH0** BALANCE ADJUSTMENT . GB 768.28 TO 5.9% PROMOTIONAL OFFER Don't know whats happend, anyone have…
-
My son ran up debt at our address
My 21 yr old son got in a mess financially with out us realising. He was with First Direct who have closed his account as far as I can tell. He has also buried his head in the sand I suspect and not contacted anyone. I realise this is not a lot of info to go on, but he's not saying much. He's not living with us now, but…
-
What have you spent today? Sat 25th
Looks like I got here first today :) nothing for me today as I have a terrible throat infection and cannot hardly consider leaving the house today :rolleyes:
-
Any advice?
An old NatWest Account has come back to haunt me. I was in dispute with them re. their vicious charging policy. I would have money on a savings account and a direct debit would come into the current account but at the time there would not be enough money on the account to cover it. So instead of just doing an internal…
-
A glorious sight
Hi all. Im in smug git mode tonight. Just logged onto my internet banking and below is the state of my second to last loan. Opening Date:24/02/2003 Original Loan Amount:£7,562.84 Current Loan Balance:£175.87 Repayment Amount:£175.87 Next Repayment Date:27/03/2006 As you can see the balance is £175.87 and my DD anmount…
