-
Are we still planning to meet up in July?
Hi everyone, I know we were chatting a while ago about arranging a meet up in July in London to wave goodbye to ms_london and have a DFW get-together & knees-up. I am still really up for this (especially as I can probably get there free, thanks to a very kind person on here!) - is anyone else? Also - which day should we…
-
Love MSE - Saved over £1k today!!
I love, love, love this site!!! Today I have saved; £81.00 - Got my Sky £21 per month down to £7.50 for 6 months. £1,106 - Had a 0% for 9 months deal on MBNA card offered (had cleared the card last month) and have managed to move £13k's worth of balance transfers to it saving that much interest!! Would not have done either…
-
OFT set to rule on late payment fee's
Courtesy of "checkmyfile.com" Lenders to be forced to slash late payment fees The Office of Fair Trading is set to force lenders to slash the penalties they currently charge card holders for paying late by as much as 40%. Lenders make up to £2 billion a year from late payment penalties, and it is estimated that the…
-
cheap meals
Has anyone here got some good ideas for budget meals? At the moment I am a whizz with mince...meatloaf, lasagne, meatballs, bolognaise, and a chicken does two and a half meals. But I was wondering if anyone has come across some recipes that spread stuff out ?
-
claiming back bank charges
can you only do this on your bank account? how about credit cards you had in the past?
-
Just got my credit report! AHH!
Hi guys I just paid for a credit report with checkmyfile.com, doesn't show that much on there except the fact that I have one ccj (that I didn't know about) and 3 defaults (one of which I didn't no about and can't work out how I have it). My friend told me it's best to get the statutory report from both equifax and…
-
Checking In
hello all! I just wanted to take this opportunity to say hello to you all- I've been reading this forum for many months and drawing much inspiration from the stories I've read here- it's such a friendly and supportive community. However I never seem to have got round to registering so I can add my own story or comments! I…
-
Is there a flaw in my plan?
I have had a lightbulb moment which I think is the way forward, but before I discuss the full details with OH (who is understandably a negative person), can anyone spot flaws? Our house is worth about £235k, and mortgage is £185k Debts are about £30k :o I am about to take a job with a salary of £28k, plus commission. My OH…
-
Help Please
Hi everyone, I’m posting to ask for some advice from the boards. At the moment I owe a grand total of £26500 to various lenders and I keep falling behind the payments and can’t seem to make any headway to pay it off. So I am considering bankruptcy. This month my situation has gotten worse as I have been thrown out of my…
-
working out how much you owe on a loan
How do you work out how much you own on a loan minus the interest? somebody mentioned this in a thread (i think it was moozie's original thread). does anyone know? i dont really want to ring up for a settlement figure as i am at work.
-
ms_london
Hiya! i have followed your story for a while and i have been seeing your savings fund go up and up - well done!! how are you doing it? I am hoping to clear the last of my debts (apart from my student loan) by this time next year and then start saving to buy my own flat. any tips would be gratefull received. x
-
Some Debt Advise please
Hi, I have currently woken up to my debt problems and i need to do something about it. I currently owe £15,200 with egg loan 7.9% £1500 overdrawn £1,800 on egg card 13.9% £2000 on capital one 15% I currently earn £21,735 a year, plus overtime which usually bumps it up to about £24,000. I live with my parent and half with…
-
Help Plz!!!!
hi every1, mayb wrong place to post, sorry! recently got credit files from equifax and experian - equifax one is a nightmare got me + my mum mixed up a load of her stuff on my file in process on getting this sorted out. Anyways my experian file is v.good not a single thing wrong on it and no missed payments etc. Last month…
-
FAO £2 coin savers club
What are you planning on spending your £2 coins on? I am going to try my absolute hardest not to open my tin until its full and then I think I will treat myself to a new pair of shoes and spend the rest on my debt (depending on how much debt I have left when I finally open the tin LOL!) you?
-
Is it possible to apply for a mortgage while on DMP?
Firstly, apologies if this should be posted in another forum. I have just entered a DMP with Payplan with unsecured debts of approx £23k. At present I'm paying £280 a month rent to my folks but within the last week have told me that they're intending to move from the area and have made it clear in a roundabout way that…
-
Finally Faced up to the Mess!
Finally faced up to the mess I have been in financially for more years than I care to remember. Had to come clean with hubs (who is still not talking to me and I doubt if he ever will again) to being in about £90K worth of debt. Most of which had snowballed from debts from a previous marriage. This is a great site and I…
-
credit referance report..info please..
i have just joined the 30 day free trial with experian, to get my credit report...not very good as i well know, but its all sold stuff...some debts been paid. other havent, but anyway spoke to a lovely lady on the phone who talked through the different accounts with me, and told me that by feb next year most of them will…
-
Snowball??
Hi I've read in some threads about snowball(?) :confused: some saying that snowball says debt gone by certain date. Apologies if this has bee posted before but have searched around but couldn't find it. I know I could prob work it out by myself but thought I'd give it a go!
-
Debt Collectors Advice please
I hope this makes sense My husband's cousin has had a debt collector at his door. For his brothers unpaid gas bill. Mick's brother ran up a large gas bill and then left his home. He was supposed to be moving to Spain and never got there but left a forwarding address as Mick's (he assumed that they would never chase the…
-
Sister in ALOT of debt - Advice needed !
Hello Everyone, This is my first post after reading the forums for a while now, and was prompted following a phone call from my sister today. She called me (and you know she's in trouble when she asks for my advice !!) about her debt, which stands at £40,000. :eek: It is all unsecured credit, loans, credit cards etc. and…
