-
just noticed how much i spend on car -HELP!
Hi! newbie here, and its really opened my eyes up to how much i actually spend and its not good. I recently got a newish car in jan,i'll give u a mini SOA pre-jan and now with oldr car insurance 110 petrol 70 car was prezzie so no monthly payments for HP etc TOTAL 180 a month with newish car insurance 80 petrol 120 :mad:…
-
Should I use a Barclaycard Cheque to pay back a debt?
I currently owe £300 to a friend, and have done for some time. They have been extremely patient but it plays on my mind every day and I really want to pay this off. I can't see how I can pay this off any other way at the moment, and I have received a 0% until September cheque from Barclaycard today - should I use this and…
-
Martins Budget Planner
Where do I get Martin's budget planner and can anyone explain to me the best way to budget and stick to it! I am 25 and this is the first time in my life that I am budgetting and I want it to be successful. I have a easycash account with Halifax, which comes only with a cash point card. Believe me, thats a good thing as i…
-
Help please...Advice on getting my debts sorted
Hi, Im hoping you guys might be able to advise me on the best way to sort my debts out. I currently have to following debts...please bare with me. Halifax Loan £10500 taken over 5 years in Feb 2004, with PPI £256 a month Yorkshire Visa card £6600 owing Halifax visa £1750 owing (I have cancelled the PPI on this one) CITI…
-
Getting Desperate - Help Please - Debt Recovery Agency
Can anyone help, I am being browbeaten by a company called Cabot Financial and they are now threatening me with putting a charge on my house. 7 years ago XDH and I took out a loan with Capitol Bank for £6000, by the time we split up we had quite a few other debts which we split between us, with me taking the larger part of…
-
How Much Have You Spent Today? 21/3/06
Morning-hope nobody minds me starting this thread but needed to get money matters focused in my brain today.....LOL:o Hoping for a no-spender today and managed to only spend £2.42 yesterday on 2 ebay parcels that OH sent. Hope everyone id well and have a great day. Hugs PP xx
-
Just found a £5 coin?
Hi I am down to my last few pounds before payday and I have just found a £5 coin :T Can I use it? I havent seen one for ages :confused: so not sure whether i can use it in Netto tomorrow? Thanks everyone!
-
Another newbie
Hi people, I had my lightbulb moment a while ago and although I've been on the sidelines reading posts for a while, this is my first post. Problem I have is that my wages vary. The figure that I could have used as a base is due to drop soon and I'm worried. I have run up debts on credit cards and a flexible loan.I've put…
-
can anyone help
I ran a lot of debt up 3 years ago and I was struggling to live on what I was left with. I am the main breadwinner in my household, my husband does work, but only for the national minimum wage. I was put in touch with a solicitor who advised me to get a trust deed. So that’s what I did. He added all my outgoing and left me…
-
SOA here goes
Joint income £740 child benefit £113 DLA £128 £981 mortgage £193 water rates £26 gas £25 electric £35 BT £47 internet £20 tv licence £11 Debts Liverpool victoria £5,985 payment £10 Halifax £3,400 payment £20 Egg/moorcroft £1,165 payment £20 Wescot £700 payment £20 (hopefully going soon) M&S £900 payment £25 Barclaycard…
-
Isn't Quidco great!
I only discovered quidco through this site and today I have made £38! £5 for a tesco delivery, £18 for a post office credit card with 6 months 0%, and £15 for a blockbuster trial which I will cancel before I have to pay full price! Any other good suggestions for me to use it for?
-
Statement of Affairs - Idea??
Edit to add:- Just been pointed to Southern Scousers excellent thread titled First Time Posters. It hasn't been made a sticky as it covers some of the points Martin makes, BUT it would be really useful to have a post/thread with a statement of affairs on the first post as a quick userguide to new posters and for older…
-
Need help getting my bank charges back over £3500
Halifax took from me £100 a week for over three months and I’m on benefits, I sent them an email and they phoned me up and just offered me £120 saying they didn’t have last year’s accounts in front of them. They have taken over £3500 in nearly two years and now they won’t answer my emails or phone calls. I’m on the sick…
-
alternative PPI
Anyone know the kind of companies I should be looking at to get extra insurance for sickness accident & unemployment to cover my cc's so I can cancel the PPI on those. I pay around £25 a month at the moment just on norwich union, which I took out when I took out my mortgage but as far as I know (I have to call them) it…
-
can they touch my benifits
hi someone told me today down the school that crediter are not allowed to take money from your childbenifit or your tax credit as the money is for the children is this right as it is my only income my husbands income is delt with differantly as he is giong though bankruptcyand the or has done his buget but im not inculed…
-
Car Finance and returning the car
Now I always thought (but correct me if I'm wrong) that once a certain %age of car finance agreement had been paid you could just hand the car back and walk away (so to speak!) However we find our self in a situation where the finance company have now got the car (came for it today) and are expecting us to make up the…
-
Natwest Step Account For Bankrupts
Has anyone else tried to open one of these recently? My OH was recently declared, called the bank to ask about the basic account and was told that was fine, to bring in his ID and they'd open it for him. Then he got to the bank this afternoon and the chap on the desk said they don't do them for undischarged BRs any more!…
-
OK Here Goes!!
Hi, i came on yesterday - im quite a newbie and got lost of debts - the probem is me n OH self-employed and whilst i can take a wage for him - mine is very variable, a few ppl suggested i write down my debts, starting with personal and deal with business debts later. I think that if i got my personal debt sorted then there…
-
Clearstart
Anyone ever used them for an IVA? Seem very competent on the phone. Any body had any experiences good or bad?
-
What will Payplan do if you miss payments?
Hi My OH has found himself in a bit of a sorry state. He currently has an arrangement with Payplan which he has been in for a couple of years. In December he moved house and after reassessing his outgoings his payment changed. He went to his bank to start a standing order and left it to take the money each month when he…
