-
help me please!!!!!!!!
Someone - help me please!!!!!!!!!!! Monthly Direct Debits (personal) Abbey Mortgage (6.50%) – 774.30 G E Money Serviving Limited (secured Loan) – 208.92 T V Licence – 11.07 Powergen – 120.00 Sky Digital -42.50 Direct Line (life) – 20.05 Direct Line (contents) – 36.36 Egg Card – 40.00 (15.9% Apr) Egg Loan – 361.80 (7.7%…
-
How do you make spare cash
I'm not sure if this is the right place to post this but i'm sure it will be moved if not. Just wondering how you guys make any extra income. I work full time and with one thing and another don't have time to get a second job. I'm currently selling the odd thing on ebay and i'm just waiting for a cheap listing day to list…
-
Minimise student loan debt?
I'm 19 and a student in first year of uni but second year of non-high school education, cos I took an HNC last year. I get a small bursary (minimal SAAS support) and my DLA (about £220 a month) and l suplement living costs with a student loan. At the start of the year my intention was to not use the loan unless it was an…
-
OMG Here's My SOA - GULP! Please Help!
Income Me --> 760 Hubby Job 1 --> 1004.56 (232 pw x 4.33) Hubby Job 2 --> 350 Overtime & bonuses normally max 433 but not guaranteed Total Income --> 2547.56 (including unguaranteed bonus/overtime) Expenses --> Currently --> Once PPI Cancelled --> APR --> Balance Mortgage --> £240.08 --> n/a --> --> --> 5.49% --> 37174.31…
-
happy birthday paul10mm
happy birthday paul, hope everything is ok with you!! JD xx
-
CCJ Problem
I have been part of the MSE.com family for about 4 days now and I was feeling a bit better about my financial situation up until yesterday that was. I received a CCJ from the courts from one of my creditors Harrington Brooks (DMP) should have been paying on my behalf monthly. Apparently Cahoot had been in touch with…
-
can't make ends meet
Hi we have 3 kids and only one wage coming in but we do have child benefit and tax credits coming in , the thing is we seem to be living on an overdraft (£2000) its just built up over time we don't live a lavish lifestyle only have cheep holidays and occaisional nights out and we always shop at cheep budget type shops so…
-
My first posting.
I have been looking on and around the website for about 2 months now but recent circumstances mean that I have to sort my self out pretty quickly or I will start to get more debt! Yesterday I found out that I have dropped in income by £497 per month from £1426 to £929! This is obviously NOT GOOD! I have worked out my basic…
-
debt collection worry
Over a month ago, I had a letter from a debt collection agency saying a debt of mine had been passed from their client to them. Funny thing is, their client I have never used before! I replied to that letter (also told them that the address they had for me was incorrect - the address they had was my fiancees where I lived…
-
My SOA
Well, after a few weeks of being on here and reading everyone elses SOAs I thought it about time I posted mine. This has already been dramatically reduced to what it was originally when I first joined but I'm in need of a bit of a kick up the bum so please feel free! Here goes... I'll split it up to household stuff and…
-
BLOGS (has anybody done this)
I've just hear about how you can set up a blogs site with google and if you get enough traffic to your site, they ask you to put adverts on the site and pay you. Is this right or a type of internet scam.
-
Debt worry
I currently owe £20,000 on credit cards and bank loans and want to get out of this situation. Have explored secured loans but was afraid to continue with the application for fear of losing my home. I know I could handle the repayments as I am paying so much on interest and cannot see a light at the end of the tunnel. At…
-
paying myself a day late works!!!
hi all, every monday i usually withdraw £70, this covers food, petrol, personal money, and a small amount for cash misc (ie, usually anything to do with school: raffle tickets, school disco etc) over the last few weeks i have been trying to see if i can make that money stretch 8 instead of 7 days...resulting in this week i…
-
advice needed...DESPERATELY!!!!!
Hello all, I am new here, have had a few MS newsletters which seemed to have good idea's but I feel I need some immediate advice...... I am on the brink of bankruptcy, but don't want to go that way if I can do anything to avoid it. I have SOOO much debt it makes my head spin..... A lavish lifestyle....... Irresponsible…
-
Question About PPI?
Currently gradually working my way through my incomings/outgoings and trying to find ways to save money as currently more going out than coming in :eek: I decided to review my loans and where possible get the PPI taken off as I get sick pay and my work has a no redundancy policy. Hubby was made redundant a few years back…
-
Bank charge recovery
Not sure if I should mention it here as there is a link on this site some where to the Bank Action Group which will supply template letters and help you to claim any bank charges that you've had for going overdrawn etc. I've just had my first result of £30 back from Citi and am dealing with First Direct for £550, The £30…
-
Change of tactics
After some stressful months with nearly all my money going straight to cards, ive transferred all my (non loan) debt to my egg card, which has 0% interest for the next 5 months (2.5K) and will be paying in 200 a month. Ive decided im going to leave the other 300 a month in my A&L account as the interest rate is decent so…
-
Have reported sanekkspb
Ignore his posts
-
Collection company/Bailif help needed
I got a letter 2 days ago posted through my door from a collections/bailif company, i was previously making payments 2 my council alltho they did break down in december due to my employment ending, i recieved no warning from the council no letter from the courts asking about income and outgoings, i contacted the bailif and…
-
Need to clear overdraft quickly
Hi - for the past year or so I have had an overdraft of around £800 which I have always cleared every payday, but slope back into every month (my pay used to put me around £100 in the black every month, then direct debits and monthly expenditure would take me back to the limit again). In January, my partner and I decided…
