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Reject Kid
Help. Ive tried applyin for new cards to lower my debt but constantly get rejected, twice recently, cant risk it again. My overdraft is cleared every month when i get paid then is back by the end of the month. Wots the way out?
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My new life starts tomorrow
No I'm not putting things off - tomorrow is pay-day. Fresh from my success with a credit card company who ripped me off, I am determined to start afresh. I'm £4,500 ish in debt. (I think I have managed to pay off £1K overdraft since Christmas - will know for sure tomorrow) I also have a student loan, but as I don't earn…
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Cleaning Up Credit Rating
Hi, I got my statutory credit reports through yesterday and was a bit miffed to see both HSBC and Halifax Card services had put a "1" note on for missed payment. In both instances these were the fault of the companies and both have written to confirm this. If I call them are they obliged to remove the late payment notice…
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Just A Quick Update!
Have finally found out that I've been accepted for the HSBC 0% for 9 months card BUT the credit limit is only £2,250. My Amazon card starts charging interest @ 12.9% from a week today and the balance is £4,401.13! :doh: I've also got to spend £150 on road tax this month which for the first time in years I actually have! So…
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Advice: Strange Text Message
Hi Everyone, I hope someone may be able to help. I am currently going through a DMP with CCCS and have just started getting the letters from my creditors asking for payments etc. I've just recieved a text message from 'MoneyAlert' asking me to call 'RMA' on 08717506699 quoting a reference number. Has anyone had one of…
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Company want £78 from me !!!
I had car insurance through Adrian Flux for 5 years. My insurance was up for renewal in Jan and like previous years my DD came out my bank on Jan and Feb and everything seemed fine, however my documents had not arrived by the beginning of Feb but this was not unusual and did not worry me. I then received a recorded…
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cash card or debit card????
hi all just reading other peoples threads has been very informative so thanks for the information. ive got a new account with nationwide now its just a cash card. am entering into a dmp with pay plan so i needed a new account as barclays is one of my creditors. what i want to ask is do u think id be better asking for a…
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Son is on the Jeremy Kyle show now on ITV2
Hi My son is away at Uni and went a few weeks ago with his gf to the Jeremy kyle show. He is on today!!Just seen it this morning and on again now!! He has a close up of him about half way through with his gf- he is wearing a pale blue t shirt and has a very very young face(though he is 20!!!) Not debt free but wanted to…
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expenditure for DMP
i have been informed that you can find the maximun allowences for outgings on the internet from the british banking assoc. https://www.baa.org.uk does anyone actuially know the location of this info? commonly known as trigger figures apparently.
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cabholt
hi, im getting down my debts very nicely thankyou,alas ive one who is proving difficult its for 5k cabolt have asked me for £500 per month and said it can be paid of very quickly alas it wont be cos i cant afford that any one with info on this company and any suggestions on getting them to listen
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i need a telling off and a kick up the bum please
Hi all Well the new me is starting to slip I have started my new job and the same trap is waiting for me I think i am earning therfore I can start spending again. I know exactly what i am doing only trouble is I cant seem to get a grip of myself to stop doing it- okay I havent had the massive splurge that I would have done…
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Deb Free Treat...
Hi, I just wondered what you all have planned as a treat/rewards when you hit your debt free date??! I know being debt free will be good enough but I fancy treating myself when I get there (within reason!). I thought maybe a holiday, but then I need to save up before hand so that's no good!!! I think by setting my target…
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Barclays Credit Card
Here goes. Trying to reduce the final amount of my debt before increasing it by getting a morgage! However I had an account with Barclays Credit Card had a high credit limit with them. My 0% offer came to an end so I moved it to Tesco Credit Card (a tart I know). Then I reduced my credit limit to £1000.00 on the Barclays…
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Care home charges
I have a CCJ and now a interim charging order on my property for £11K. I offered to pay £100 per month instalments but the offer was rejected as Care South (the company that runs my mum's care home) wants full payment immediately. I own my home with my partner (we are not married) and the debt is in my sole name. I have…
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How much ahe you spent today? 14/3/2006
Spent 95p on some fresh fruit today for my breakfast. (note to self......I will get up earlier :doh:! and yes i know i have been saying this for a bit now :rotfl:)
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bankruptcy order - charge on property
I know someone who is in a difficult situation. They were made bankrupt 13 years ago and thought everything was sorted. A charge was added to the house. Now 13 years later, solicitor says that creditors want £80k - mortgage on property is only £17k and prop value £150k, but friend can not increase this mortgage due to…
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Capquest help needed.....
Hi I have been looking through previous threads on this board, all of which have been very helpful but I am still not sure what to do. My friends have received the following letter from capquest. As far as he is aware he did have a credit card with a limit of around £300. He isn't sure how long ago it was but said it was a…
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Advice on 26k Debt
Hi There, I earn a good wage 50k + commision (normally an extra 2k per month before tax). I have debts of £26000 which is basically Green Egg - £15,000 Blue Egg - £5000 Alliance and Leicester £6000 All credit cards. I have £12500 in a savings accounts and I want to clear my debts in the quickest time possible. I have had…
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Trying to help pensioner with 50K debt - need some help and encouragement!
hello there I'm feeling extremely frustrated tonight and in need of a bit of support! I am trying to help my partner's elderly mother set up a debt repayment plan. She owes just under 50K to banks in loans and credit cards, has been using the cards to pay her loans and hit the limit just after xmas. This is a breakdown of…
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A new way of making money...
:rotfl: A woman in the US is selling an enormous cardboard box filled with the things her kids have left lying on the floor and not put away during the duration of the auction. Last time I checked the bidding had reached $266 and she had a tidy house. http://cgi.ebay.com/ws/eBayISAPI.dll?ViewItem&item=5674967526 I'd give…
