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Home Phone Help!
Please help! I am desperately trying to sort myself out and reduce my outgoings and pay off my bad debts. I have just changed my broadband package to a £14.99 a month one (saving myself £3 a month). I also decided to change my home phone (currently with BT), went on a switching website and decided to go for the new post…
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What will you spend today 08/03/06?
Thought i'd start it off for a change!!!! Another no spend day for me!!!!!!! How about you........................?
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What have you spent today? 8th March
Morning! Im just on my way to work so I thought Id pop by here first - yes Im obsessed LOL Im going to try for my first no spend day today - fingers crossed :j Have a great day Pixie
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Debts now under 20k - Yeeeehaa!
Just had to post as I am so proud of our achievements so far and wanted to thank everyone for their help when I posted original SOA and for keeping me motivated along the way... We still have a fair bit to go... but we're keeping motivated as it's our ambition to buy a house... need to pay off debts and then save a…
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Advice needed, please help!
Hi, I'm hoping someone can give me some advice. I was just about to remortgage when I came across this site and thought I should ask for some advice. I've been in debt for quite a while now only being able to pay the minimum payments, but I can't carry on like this living day to day. I'm nearly £36k in debt with a loan and…
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Where do i start?
We are £50k in debt & don't even have a mortgage! I 'look after' all the finances so my husband thinks we only owe around 20k. Debt in a mixture of my name & hubbies. Have got to the point where I have exhausted all present lines of credit & am up to overdraft limit! Have not missed any repayments but could do with not…
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creditexpert/experian searches
Anyone know why the... Royal and Sun Alliance keep searching my data? 5 times now since xmas I have arrears and stuff on credit cards.. So i havnt applied for anything on credit... Anyone know why this is?? Many Thanks
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Any help will be gratefully received
I've been browsing for months and have just plucked up the courage to post. My hubby and I have been struggling financially for nearly 16 years since I gave up work to have my first baby. As I was earning the same as him our income halfed and it didn't take long for us to go through our savings. For a few years we managed…
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20p savers club
hi people i was wondering does anyone want to join 20p my savers club as i have just started saving them myself .... 20ps build up so fast an i was saving them for a while and saved 12 pounds... so if u r intrested please reply and join my club. anyone is welcome and dont have to ask to join just post up a post and edit ur…
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Positive Thinking Is The Key
Hello all, Yet again wanted to thank everyone for all helpful advice and tips I received after my first postings on Sunday (after a lightbulb moment brighter than Blackpool illuminations!). I just wanted to say what your support and my positive thinking can do for a girl. I was full of doom and gloom, once I finally…
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Balance satisfied?
Hi Just viewing my experian file online :eek: What does it mean if an account has a default with balance stated as being satisfied? Thanks for any help Claire
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Default Settlement
I have a default on my file which was registered 2/3 years ago. I'm assuming if the creditor doesn't refresh my file, then this will drop of after 6 years. 1. When I settle this default, does this affect the date of it. e.g. Does it become "more recent" from a credit check perspective? 2. If the creditor agreed to accept a…
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Credit Unions
Could anyone advise me what a Credit Union is? Are they a good idea? Do they accept people with low credit ratings? Or have I got it all wrong? (Again!) Thanks Lo :confused:
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followed every guideline- WHAT ARE WE SUPPOSED TO DO? help?
Hi all please somebody help - what on earth are we supposed to do - feel like we are up against brick walls. Had lightbulb moment month ago and after seeking advice on this forum contacted CCCS, fantastic going into a DMP. BUT ---- BIG BUTS---- we owe ONE MONTH to our mortgage - we are being charged £50 per month for every…
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Questions about going Bankrupt - help!!
Hi :wave: wonder if anyone can answer some questions. My best friend is deciding wether to go down the bankruptcy or IVA route. Basically his current debts are not covered by his full time salary. He has battled the last 2 or so years doing another job running a website to make up the shortfall. All this stress is leading…
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Any help gratefully recieved
Evening people sorry to stick this problem on you and on only my 2nd post Have always been fairly prudent until about 2 years ago when my girlfriend of 5 years cheated on me (loved her to bits). i ended up moving out of my flat and leaving her in ,hoping for a reconcilliation and rented a 2nd flat. a couple months passed…
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Its my time
I am finally, I hope, beginning to get my act together in regards to our finances, which have been on a downward spiral for the last 3 years. I have an idea in mind to generate income by starting in business as a reflexologist (qualified in 2002) this, I have been told today requires an outlay of a further £55 with a…
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Credit Repair
I am currently in the process of repairing my own credit. So far I have managed to correct some information on my Equifax and Experian. However, what I would really like to do is to not have to wait 6 years before my 3 defaults will be removed. 2 were registered in 2003, the other in 2004. As two out of the three defaults…
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Peoples experience with Payplan
Hi all, I've not posted for a while but have a couple of questions about peoples experiences with Payplan. Last Friday I mailed them back the authority to deal with creditors and D.D. bank form to take monthly payment from me. I today rung to check if they have received them (after e-mailing and getting no reply) and they…
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A quick one
just wondered wheres the calulator to work out how long to pay of a cc where you put in the interest rate etc etc, cheers?
