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Money Makeovers
sure most of you will have seen adverts (in all media forms) for "money makeovers", where I think someone pulls together all your outgoings, (utilities, mortgages etc) and shows you how to save, exactly as Martin did on MMR but they charge for the pleasure of it! Just wondered, how much would you be prepared to pay for…
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Am I right that....
My Bank have done wrong by charging me £35 for returned Direct Debit when i accidently went over my limit, i actually thought i had the money in my bank, and i only knew this when i recieved my bank statements which said i was getting charged £35 next month yet i hadnt recieved a formal letter saying that i will recieve a…
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Advice on my daughters debt please
After a failed relationship my daugters was left £25,000 in debt, her ex very cleverly put everything in her name! The majority of the debt is owed to the halifax, after getting into debt with them with her credit cards they persuaded my 22 yr old to take out a large colidsidation loan. Once my daugher came home I helped…
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What to do about this O/D debt?
This is my first post, so :wave: Ok, I opened a Barclays a/c back in 1998, got an overdraft added in 2003, which now stands at about £600. I fell pregnant in June 04, at which point I moved everything over to my partners Lloyds acct, and continued to pay £50 per mth towards this O/D. Without realising, I forgot to change a…
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What ever next
I have hit the lowest point in my life. I have recentley been evicted from my council home (didnt pay the rent because I wasnt earning enough) Bank charges are beyond a joke, no money to cover DD's. Ihave canceled all my DD's but the charges are still mounting, I have lost my car (it was on finance) I am now living with my…
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And the Platinum Credit card is GONE!
Chopped it up and cancelled the account and asked for a letter to be sent confirming it had been closed :) It was in credit so this amount has been moved to my current account :) With any luck I should be able to put a good few hundred either into my loan OR my Egg card. But at the moment the Egg card is 0% so might leave…
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Does being an execitor cost you money?
Hi, I'm a newbie to this site so am not sure where to post this thread - I'm sure someone will tell me if I've got it wrong though! Right, now for the question: My brother has terminal cancer, and has asked me to be an executor to his will, along with a cousin. Cousin has done this before, I never have. I have been…
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My student loan isn't being paid off yet!
Hiyaa! I've been earning over 16k for 3 months now but the SLC and/or tax people are not taking it out of my wages.....i'm getting a bit worries now! Maybe I should fess up and tell them myself? Did it happen automatically for people? Who should I get in touch with about setting it up? My boss? SLC? The tax man? Thanks
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Advice on Debt Collectors
Hi guy's I've using MSE for a few months now and gained a lot of tips of you chaps but now need to post a question and wonder if you wouldn't mind offering some advice. Basically, as a result of a champagne lifestyle funded on lemonade wages I racked up around 20k of debt (CC's, Grad Loan, OD and various other debts). Over…
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Can't Get Away From Bankruptcy
As you can see from my signature, we have pretty horrendous debts. I've posted before about what to do and the possibility of bankruptcy and, for the past month or so, had decided to really fight against doing that, but it seems like higher powers are conspiring against me, and I really don't know which way to turn.…
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My debt is under 2k as of today!!!!
:j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j My car loan payment has gone out today, so I officially owe less than two grand now!!!!! I am so happy!!! Less than a year to go now before I am debt free!!!!! And in six months it will be less than 1k!!!!!! :T :T :T :T :T :T :T :T :T :T :T :T :T :T
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Out of Debt, how to get rid of remaining Defaults?
Hi All, I need a little advice. Late in 2004 i managed to clear all my debts which had defaults on them. I have just got a recent Credit Report (£2 jobbie) and they are all marked as settled with nothing remaining. However they obvisously still have the default marked against them, has anyone successfully had these removed…
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Debt Collection Agencys Are They Immoral?
Having been on this site for a few months and others over the last two years i find my self asking this quistion, why do the debt company make it so awkward for the debtor when if dealt with in a civil matter 90% of cases can be dealt with effectivley,? why send silly letters that have no substance? are there employees…
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dealing with creditors!
hi everyone, when dealing with creditors through payplan, do we have to provide them or our creditors with our wage slips so they can see how much we're earning? if so, how many do we need to provide? Best regards Luke
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What have you spent today? Thursday 9th March
Well ... today is a no spend day. No question. Apart from the amazon cds to post which don't count because someone else is paying for them! Fingers crossed for us today. OH's annual bonus will be announced this morning, and so long as it's over 6% we should be good to clear ALL the debts this month. Will let you know when…
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Score! Fighting RBoS with their own tactics
I feel in such an uplifted move after discovering the "reclaim your unfair bank charges" thread in the latest newsletter. I was so enthused I actually took an entire morning off to do this, combed through all my statements for the last 6 years at my various Royal Bank of Scotland accounts (I knew it was a good idea to file…
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Consolidating into mortage
hi putting in
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too scared to do what debt ref agency told me to do. has anyone else done this:......
i am in big poo. i have amassed debts of up to 25.000 which i cannot now pay. i have contacted a debt agency (not one thats wants paying) and they suggested i open a new bank account(as i have loan with present bank) and have wages paid in to it. then i write letters to my creditors explianing that i cannot pay at the…
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Stupid question!
But is it true that every time you apply to increase the credit limit on your credit cards it counts as a 'search' on your credit file/rating? Would that also apply everytime you apply to increase your overdraft? (I'm just thinking of the amount of times i've increased my credit cards and overdraft in the last 12 months -…
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What's wrong with consolidating?
Hi all, found out yesterday I'm just over 20,000 in debt. 10k on a 5 year loan, rest on cards, overdrafts and dregs of past loans. For some reason it was the total starting with a '2' that really slapped me in the face and made me acknowledge my situation at long last. Have been falling further behind by refusing to face…
