-
Bit Disillusioned...CCCS
Hi Folks, As my name says, I'm bunnybaby's other half. We had our telephone interview today with the counsellor from CCCS about our debts. Went through our budgets, incomings/outgoings etc. the bloke was allowing for stuff we never even heard of let alone spend money on!! By his workings out, we should be offering our…
-
Overdraft Troubles
I dont know if anyone can give specific advice on this but i have a (wait for it!!) 4K overdraft (always maxed out) i know, i know..........with Royal Bank of Scotland. I am trying to deal with my debts in priority order, and this is not as urgent as others but I asked them about possibly reducing my overdtaft by say £50…
-
Debt relief "how to" suggestions
Lots of great advices and offers can be found at Discover the World of Easy Money website. Hope someone finds it useful :j
-
MBNA solicitors letter
Got an MBNA solicitors letter today saying i must pay the 10.5 k that i owe them on the credit card. I am going through payplan and MBNA have had my financial statement and are getting what i can afford to give them. I will forward the letter to payplan but in it they say if they get a county court judgement against me…
-
Strange searches on my credit report
Hello all, I know this is probably the wrong place to post this but as I am an avid reader of the DFW board and a DFW I'd like a bit of advice ... I've just checked my credit report online and there are two searches that are on there that I certainly haven't made. They are as follows- name Mrs ***** address *** Search made…
-
Called CCCS today - appointment made!
Hello I've been browsing this site for a while now and thought I would say hi. I have today called to CCCS to tackle my debts. My appointment is on 8th May. I had a question that I wondered if anyone could answer for me. I have managed to get two of my 5 credit cards to agree to freeze the interest and reduce my monthly…
-
redundancy notice today please advise
just been informed of redundancy today which will commence on 6th of may. gas - 35 per month electric - 35 per month rent - 280 per month council tax - 66 per month black horse loan- 65 per month black horse loan - 74 per month lloyds tsb loan - 127 per month lloyds tsb loan - 120 per month all loans around 17% car - 130…
-
Had the big payplan phone call
yes i know my lightbulb was earlier in the month with everything that happened and dh going away we missed our phone call appointment we rung them yesterday and today we were rung back by Luke to get all out infomation (never knew the phone call would take so long) to cut a long story short they have cut our soa to what…
-
Anyone heard of fho financial services?
I got a letter today from them, about a barclaycard debt from years ago that I had forgotten about (we recently cleared all our debts and embarassed to say I really had forgotten this one) it just seems like such a 'sales' letter.. i quote 'contact us before 30th of april so you don't miss out on our mega easter sale'…
-
free money manager?
hi, now that i am finally getting organised and making regular payments to my creditors, does anyone know of a free money manager thing (bit like microsoft money - though my computer is too old to run that!) where i can keep track of what and when things needs paying? i have online banking which is good for d/ds etc but i…
-
Bankrupt today! My sorry tale....
Just been made bankrupt. I don't feel sorry for myself and have spent all afternoon looking for a bank account - no luck yet! Tried Nationwide, Skipton, Secure Trust, Abbey, Alliance & Leicester, NatWest so far... I expect some people will judge me, but first hear my tale! When now my ex-wife and I were sorting the terms…
-
why do we go from one crisis to another?
its either financial or personal? the past 6 years have been crap one way or another and some days i feel that i have just had enough! why cant we get a lucky break for a change?
-
Snowball Calculator
Hi everyone just joined today although i have visited the site a few times can anyone advise were the snowball calculator is and also the budget won't open on my computer as Winzip box pops up saying my trial has expired (never new i had winzip)
-
What have you done that's DFW Stylee - Fri 21st
I've listed a book on Green Metropolis and about to get some listing onto Turbo Lister if my DD sleeps long enough. I have bread in the bread maker to use up some packs of mix that I bought ages ago and never used. I haven't spent a penny yet as I haven't been out (DD not well again). I may pop out tonight though depending…
-
can you go to jail for not being able to pay
just wanted to know as a firend of mine who has just confessed to being in debt thinks you can go to jain for not being able to pay, is this right?
-
Have i done the right thing???
:eek: Help!! I entered into an IVA late last year after being referred by the CCCS and being told this was the best option for me. Had been told to contact them by a friend who filmed a show with Martin. She told him about my circumstances and he also suggested an IVA. Looking through some of the threads on this site it…
-
Lloyds TSB Collections Centre
Hi - long time lurker, first time poster. I'm having some trouble with Lloyds TSB's collections centre in Brighton and I'm hoping someone here may be able to give some advice. I was a TSB customer for many years and a few years ago whilst in the local branch an adviser asked to have a word with me. They wanted to know if…
-
Newbie needs advice on overdraft charges!
hi everyone i have only just found out about this site from a friend and i can't believe how much info is on here!! just a quick question, i live with my OH and currently we are over our overdraft limit of £300 with HSBC, how to get out, we honestly are not spending extravagantly each month after our salaries go in we get…
-
My SOA
Hi Everyone Had my appt with CCCS yesterday and it wasn't quite what I expected. Had hoped they were going to wave a magic wand and instantly get me out of my current mess without any ugliness. Oh boy, was I wrong! Have now had my serious wake up call. CCCS felt that my only real course of action is to either: a) sell…
-
Good way to make some extra cash!
Morning....Just wanted to let you know about a good way to make some extra dosh! I posted a few weeks ago to say I was thinking of becoming a Party Organiser for a well known company selling specialist 'ladies' items if you get my drift! Well I have joined now and have got my first party tomorrow, if all goes well I can…
