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Newbie Financial Advice Please
Hi all, I have been a reader of these boards for sometime but always a little apprehensive about posting our position, but having seen the range of advice available on this site I figured I would take the plunge and see what advice is on offer. Our debt situation is as follows Loan - Monthly £210.57 - Outstanding £8843 -…
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Help Bank Are They Helping me
I Doubt it very much indeed but here's the basics i am in quite a bit of debt with my Bank HSBC Of whom i have a business account , personal acount and credi card business ac - £3500 loan £6500 od (only temporay and gone back to original od of £3500) personal acc Loan £13000 od £700 Credit card £8500 total £32'000 i also…
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Online Surveys
Hi we are new to this so was unsure where to post this question. Has anybody filled in any online surveys and been paid for it? This is usually payment by vouchers or occassionally cash. Where can you find these if they do exist, and is there a main group that makes these available to the general public? Here`s hoping,…
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Payplan Experience Needed
hi, i given a few bits of advice on here about the early stages of payplan, but now im in need of some advice from people who have been with them for a year or more. I have received the annual review letter, and it asks for the last three months worth of wageslips for me and my hubbie. My husband had been doing alot of…
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Deciding whether to go alone or with CCCS/Payplan
Hi We have £23000 of debt on 3 credit cards. We are managing to make the monthly payments but interest rates are so high and cannot transfer them or lower interest rates. We never have any spare money for emergencies/ birthday presents/ christmas/ car tax/ repairs. If anything likes this crops up we panic. Should we carry…
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Why Has Natwest Done This
hi i am wondering why natwest has done this to cut along story short oh moved deparments not at his requeat and lost 80.00 a week i had another child and had to give up work hoped to go back after the birth but parents said they couldnt cope looking after two so that was another 90.00 per week we couldnt take that loss of…
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Banks make debt too easy
Hello, This morning I signed into my online bank account and before I could view my statement, was taken to a page that explained I could get a loan within 3 hours today, providing I completed the form by 2pm. No paperwork involved, everything sorted online and I could borrow a maximum of £25,000!!!! It's no wonder that…
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DH - head and sand....
I wonder if anyone has the same problem as me. DH and I do not seem to be able to talk about money. I like to know what is what and he does't. My personal cc debt is at 11k and o/d of £1800. His are around £45k but every time I bring the up the subject of "where are we with money" he gets annoyed and starts saying that I…
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Back to work today!
Morning peeps, Well I have finally come back to work - I hadn't known 6.30am existed in the week for approx 2 months!!! Its not bad although a bit of an atmosphere as redundancies have been happening whilst I have been off. I have had a friend who is willing to back me on several money making ideas but we are just at the…
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Sorry, its me being stupid again re: Lloyds TSB deposit points
When I put the cash in the deposit point on Fri, if it takes 2 working days to clear, when will it clear by? If they are open on a Sat is that included as a working day?! Im confused! :confused: and what if they have lost it?! OOooh i am worried now _pale_
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A little Advice please!!!
Hi I paid the balance of my daughters holiday on my john lewis cc (due to bank holiday her money hadn't cleared!) She has today put the money in my bank account. Now my query is should i pay this 800.00 straight back to JL or should i chuck it at barclaycard which is a higher interest rate!!(my idea is to try and clear b/c…
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Fizzel81's debt diary
Hope nobody minds me starting this talking to dh about things just starts arguements as we are both still in much stress about just how much we owe. payplan added it up to be 28,841.04, more than dh earns in a year once i have all the payplan paperwork through i can put the exact figures of who we owe and our new soa from…
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Paying final payment today!!
Hi I have got £139 owing on Kays catalogue and I am going to pay it off today!!! It was nearly £500 when i joined MSE back in December---so feeling really pleased today for all the helpful advice I have been given!! Thats one debt gone!! I have about £700 still owing on Capital OneI have just got back all my statements…
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What Have You Done Today That is DFW Stylee? Monday 24th April
Just thought I'd get it started! I will post my results later....
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A friend in need...
Morning all, ok, after sorting out my problems I've just spent ½ hour on the phone to my mate who is now in a really sticky position. My friend, Rupert we'll call him, put his mum as a named cardholder on a couple of credit cards he had from years back that were registered at mum's. She was struggling and being the doting…
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UPDATE!!!I need positive thoughts tomorrow please!
Hi everyone, I know this might be a bit irrelevant to some people for this board but I am in debt to the tune of around £2000 on my credit card/Next account and then a further £8000 split across 2 loans. This year I'm going to try and get rid of the 2 grand so that I can chuck the extra money at my loans. I'm feeling…
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advice
Hi All, I'm not too sure where to put this but i'm sure you guys don't mind helping me out!! I've got an account with the next directory which is fully paid up and the account is clear. I want to cancel this account as I don't want to use it anymore. However, I just called to cancel and have been told that they'll stop all…
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Just sent off an overpayment for my Loan
Hi, I have just posted a cheque for £2000 to pay a lump off my Nationwide loan! Hopefully if I continue to hammer it I should be debt free by the end of October (according to the snowball calculator!) :) :j
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Save Money Car Sharing Nationally?
Hi...sorry of this is in the wrong place but I thought it might help some of us who have to travel the length and breadth of the UK...on a budget! http://www.nationalcarshare.co.uk/ I am thinking of registering a "one off" request if I go for my challenge of a trip to Amsterdam in October on a shoestring budget.....will…
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Much needed advice....
required. Not exactly sure were to start really, but needless to say my finances have become a complete mess. Up to now every decision I have made regarding our finances has been quite disastrous really. Im married with 2 children. I wont bore you all with all the details however to sum it up here's were I'm at. My monthly…
