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making a start
hi, i rang payplan yesterday and am waiting for them to ring me back to go through all the details. anyone any idea how long that takes? also, after completing my budget, i looked at any areas where i could save. as luck would have it, i found a houe to rent right next to my daughter's school (we are currently a 15 min…
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happy birthday funkygibbons!!!!
happy birthday hun!!!!!
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Ways to make extra cash!
Hi everyone, hope you're all having a good day so far. Just wanted all your opinions on some good ways to make some extra cash in the evenings...I'm on a DMP with the CCCS so all my income is accounted for, so a few extra pennies would be nice to get the debt down a bit quicker! I have just submitted my details to the Ann…
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Lost direction
Please help. I feel like I have lost direction - and I've only been doing this a couple of weeks. I have managed to spend less than the tenner I have put in my purse this week (apart from taking my mam out for a meal for mothers' day) and in the first week shopping was less than a tenner two. This week it was just under…
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even though we are with b&e
barclays have still sent us a default letter, they want full amount within 14 days and are adding 4.02 per day to the debt in interest otherwise they have basically said they can just take the money thats in my account untill its all paid off, feeling very worried now and not sure whats go on as i thought an arangement had…
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Can't work this out!!
Hi this is probably one of those questions that i should be able to work out myself!! but can't get my head round it!! I am at the mo beginning to snowball my cc's the first one being B/card the min payment is 79.00 but to snowball correctly i need to throw 313.00 at it, which is fine i can do this!! Since jan i have been…
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IVA and Self Employed
Hi all, Looking into the possibility of an IVA ... would I be able to be a Director of a Limited Company if I enter into an IVA? Thanks Mike
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Experian credit score
Well well well... I have a clean bill of health on my credit report :) lots of 0's (meaning no payments missed etc) and a couple of U's (those are my new accounts that the info isn't availble for yet) and no naughties anywhere :) Now you all think it's worth me trying to get Equifax to cough up with a report too? :) T
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Barclays are refusing to refund £400 charges.
It seems they would rather have me move my mortgage and loose £40,000 over the full term. Oh well sod them off to find another lender. Hope others have better luck, I plan to keep fighting them even after we change. Question is can we do this and should we keep fighting.
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All the debt in one basket
Morning I know we are always against an getting a consolidation loans but am I right in thinking that we just mean a secure consolidation loan, just adding the debt onto a mortgage. A personal loan with interest rates lower than cards & with structured repayments isnt so bad is it? As long as you ensure that you can…
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Payment Protection Insurance Need Advice
Hi Guys I rather stupidly took out PPI on a loan I have when I was querying my balance the other day I stated my figs didnt match up to what the loan company has I thought I'd owed less? I am paying £160 a month but they told me cause I took ppi the actual loan pyt is 110 and I'm paying 50quid in ppi a month!!!!!!!!!1 I…
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Part refund of my PPI for AA Loan
Hi Just wanted to thank everyone on these boards for their help. I got a letter today saying that they are giving me a part refund of my PPI which is for an AA Loan. The loan has 2 years still to run and it has been cancelled as at the date of my letter which was about 2 weeks ago. I am getting £183 back and this will be…
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Refunding bank/cc charges - don't understand!
I've seen loads of posts about people have their bank or credit card charges refunded but I really don't understand. Surely if I go overdrawn its my fault and my problem? Can someone advise as if I can go for this, I'm of course very interested.
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What have you spent today Tues 28 Mar
Here we go again... Nothing for me yet, but I have a vague intention to stock up on stamps.
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Full and Final Settlements Help
I'm getting a settlement from my mis-sold endowment and I'd like to pay off some of my smaller debts, there are about four or five that I owe between £400 and £500 and I'd like to try and get a F/F settlement but not sure how to go about it. I don't need to put the money back into my mortgage as this has already been…
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Bt
:confused: Does anyone know whether BT will allow you to set up a direct debit whilst you have an outstanding bill , or will they only do this when the balance is clear?
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natwest refunded my bank charges
hi all, got a letter in post this morning....natwest have refunded in full the £152 i requested in unfair bank charges....hooray...just wanted to share the news!!!!
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Help!!!! SOA added now
I am unable to stop shopping. It sounds so pathetic but I just shop all the time. If I go out to buy milk I come back having spent £30 or £40. A trip into town and I can do £100 without noticing. I sit on the PC during the day and trawl Ebay or shopping sites and just buy stuff, for the kids, for me, for the house. I am a…
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Sub 30K debt... Woohoooooo!
I've finally done it, a loan payment went out this morning bringing our debt total to under 30K. I know this is still a massive debt but it has given us a major boost and just goes to show us that we really will be able to pay off this debt. We are still aiming for March 2008 but if this is +/- 3-4 months then that is…
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God it's depressing...
I've just looked at "next" months budget (that's after pay day this friday) and what do I see? Total Income 100% Necessary Expenses 77% Discretionary Income 23% Investment Spending 7% Discretionary Income less Investments 16% Discretionary Spending 1% Amount remaining to save or invest 2% Do you know who much that 2%…
