-
Dmp
Hi there again remember me i am the fool who blew all his money on online betting :o An update, i am with Payplan on a DMP and have been with them since January 2006. All is ok i guess but there service has got a little slow and they dont return calls or e.mails. I have 2 problems those nice people at Mint want me to do a…
-
Paying off a loan early settlement figure?????
Hi All I hope i am posting in the correct area please forgive me if i am not. A couple of years ago i got a loan with egg for £10,000 over 5 years the interest rate being 7.9%.......ad also no penalties for additional payments or paying off early. The loan ends september 2007 and i have been paying £201.16 every month…
-
Debt Epidemic
I know we all hear about "Bankrupt Britain" and how much in debt we all are as a nation - average debt being £7k (if only!), but tonight its really struck me what kind of mess we are all in. We are going bankrupt - house is on the market, and soon as its sold and we are in rented accomodation, we will take the plunge. My…
-
Defaults
hello :hello: whats the rule with defaults... i had an account with avon last year which is in arrears only found out last month when i got credit file contacted them was told someone would ring me back... basically they have my old address so i dont recievbe correspondence from them.... i am aware from another account…
-
can you help
hi can you help me we have a tight income and lots of bill to pay we have cut back on what we can but there still seens to much to pay we spend about 400 per month on food we have two children one a baby and one 7 year old we need some help to try and sort our selfs out we done martins buget but run out of money on it my…
-
Terrible two weeks spending - I'm such an idiot
I have no one else to blame except for myself I know, but I've had a shocking start to the month. For some reason over the last two weeks I've totally forgotten all I've learnt on here and just splurged. In other peoples standards (non money savers though) it isn't very much, but for somebody who is trying to turn over a…
-
Feeling as sick as a pig today
You know I made that incorrect payment to my ex-employer and I felt so confident that I would get it back ? Well the receiver phoned me up on Tuesday and said that he couldn't see the payment going in and needed to know the details of the account that the payment was made to - which I duely gave him. Anyway didn't want to…
-
I'm new here!! Can i join in.
Hi there all, I have always budgeted and really not in any debt, but we are moving to Oz and need to tighten our belts big time! Just thought i would say hi before i start posting like mad! :eek: Smelis :D Must add, blinking fab website! :j
-
Where to start?
Hi, could somebody help in giving my boyfriend some advice with his debts please? He is currently on incapacity benefit of £68 a week, He owes £950 on his overdraft, and £1100 on his HSBC mastercard. Seeing as he has to pay out £65 a week for food, rent and bills hes not going to pay it off any time soon! He probably wont…
-
Who is aiming to be debt free this year?
I seriously need motivating. Been reading a couple of people's debt free posts, and I was wondering who is aiming to be debt free this year? What's your strategy to stay on track? I estimate I'll be out of debt somewhere between September and Christmas if I can stay on track. I'm trying to ebay, car boot and everything…
-
What I claw back with one hand, they take away with another
*sigh* I just need to moan. Not only has my Council Tax just gone up by £13 a month, I got my new rent notification today, and that's gone up by £13 a month, too. That's an extra £26 I've got to pull from somewhere. In one hand, out the other. :(
-
Can Any One Help?
Hi, found the bankaction website after tv show this morning, am having dire problems with Abbey National and their shocking charges, so would like to seek some support in resolving this. posted a topic on bankaction website and got directed to this forum for help. problem is, im completely new to this, and just wondered…
-
Just when I think i'm out....they pull me back in
At one point I was in a total of about 4 grand debt through credit cards and overdrafts. I sorted myself out, sold my car to buy a cheaper model, and cut down on everything (going out, DVD's, cd's, eating out) etc etc, in attempt to get my debt down. For a while I was paying back 600 quid a month to my credit cards. I got…
-
My new life - Day Two
I'm really beginning to like this money saving lark!!! I brought my lunch in again today (not v healthy - it was a pie) and it smelt so lovely everyone else sat around me was very jealous! I also bought crisps and a twix to stop me going to the vending machine. It worked a treat, but have eaten both already, so just have a…
-
help with Scotish Power Manweb
well i moved into my new house last year (begining of Jan) and i havn't received a bill for either Gas or Electricity. I have chassed them several times over the year and have sent two emails beofre christmas and still no joy. unsure what to do now as the prise rises goning on and dont want to get stung to much (no money…
-
I'm an ex bancrupt - any advice?
Hello All, My bankruptcy ended in April last year (2005). I won't go into all the gory details, but suffice to say I've learnt my lesson and will NEVER put myself in that situation again. Now that I'm "straight" I'm finding it hard to open a business bank account. My credit report doesn't show the bancruptcy, because it…
-
Help reducing/managing loan repayment!
Help reducing/managing loan repayment! I am looking to manage my finance in a better way, I am convinced it can be done Took: August 2003 = £10,000 loan with IF and have £5,400 left to pay, current repayment is £175/month November 2003 = £9,000 flexible loan with Cahoot and have £7,600 left to pay, current repayment…
-
Is declaring Bancrupcy an answer?
In short I have £31,250 in debts and earn less than £1,000 a month. I have taken a PAYPLAN programme on but do not see it as an acceptable answer. One of my debtors HFC Bank have accepted £14,000 as the final payment on a loan that I had got down to the last £6-7,000 but they are now charging me late payment fees (£210 in…
-
Watching people spend.
I've not been here long but I've been a lurker for longer. I've made some life-changing decsions and actions thanks to a lot of support and advice to everyone on here. The long slog bit is next. However it's hit me that with 82,483 registered on this forum, just what is the rest of the population up to? What are the real…
-
Dad wants to help out with debt...is he allowed?
I know it probably sounds like a daft question, but my father has offered to pay my £8,000 credit card debts for me. I know I'm incrediblylucky to have a dad like this, and don't worry ALL the cards have now been cut up and I pay cash/debit card for EVERYTHING now. In short, even though it looks like I am 'getting away'…
