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What Have You Done Today That's DFW Stylee?
Just wondered what people have been up to today that has saved money or made money? Nosy old me eh? I had a long lay in. The OH is not well so he didn't wake up as early as he usually does which meant I slept on. I am not an early bird at all hence I didn't wake up. I've since vacuumed, done three lots of washing, washed…
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Barclays for 22 Years - Should I Move to A & L ?
Hi folks, I'd really appreciate some advice. I have been with Barclays Banks for 22 years and lately have not been very impressed with their service. The interest they give on credit balances is very poor and their charges for overdrafts seems high compared to others. I have recently opened an Alliance and Leicester…
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Massively Peeved
I just plucked up the courage to write up my whole SOA. It took me 45mins and was an essay - oops. My stupid computer just deleted the WHOLE thing. Grrrr. :confused: Am not in the mood to write another one. Dammit. Another time maybe..... Take care, Snich x :eek:
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Step Account
I am currently in an IVA and have an account with a Visa Electron card but it is driving me mad as it can hardly be used on line at all. Do Natwest credit check for the step account? Or does any one know an account that has a solo card that doesn't need a credit check? Thanks.
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Credit Rating
Can anyone tell my why it is that my credit rating has gone down from 600 in Jan this year to 500 today when I have paid off 2 outstanding debts and not added anything else to my credit pile. This seems really unfair as now I am classed as "very poor" instead of "fair" I just don't understand?
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SOA - Help Please :)
hiya, i am new to all of this, but have been lurking for a little while and trying to put tips into action on my own, but feel like i am getting nowhere..... hence SOA, here goes *glup* Income: £1022 pcm Outgoings:Phone: £41 Contacts: £15.50 Internet: £12 CC 1: £200 CC 2: £50 Overdraft: £30 Food: £50 Gym: £35 Petrol: £100…
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Please help me
zzzzzzzzzz
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Making progress
Hi All, Thought I'd share that I've finished my first year of college.... early! Means I can start year 2 now and get 2 months head start!!!! Been working so hard to learn as much as I can as quickly as possible so that my earning power can be boosted, I now have two clients of my very own and got a £4 tip the other day!…
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HP finance Question - Please help
I defaulted on my HP finance although I only have 4 months left on it. I had a letter today from the HP company quoting "We refer to our Default Notice that you have not paid the amount of the outstanding arrears as detailed below. In the circumstances we therefore TERMINATE your agreement and require you to return the…
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Friends going out tonight....
Last Saturday I went to the pub for the first time this year. This was my old local where I've spent many a year drinking many a pint or 6..... Three of the locals invited me to go out tonight into town. Two girls and a guy. The girls said they were going to go out today and buy new tops and I could do the same. The only…
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Not sure I am in the right forum..
...Bank Charges. I have read Martins article on bank charges and just want some clarification! I went over my agreed overdraft with Lloyds TSB a few times when I was a student and once had a direct debit returned and the bank charged me for the privelege. Does this mean that I can follow martin's advice and claim the money…
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Spending for Easter Saturday - 15/4/06
I have plans to be a homebunny today - so a no-spend day could be possible :EasterBun
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Good News - check my siggy !!!
I have been fighting my electricity company for week to try and find out how much I owe them (we thought they owed us but last person said £150) I have today had a letter from them and a telephone call confirms they owe ME £188.50 !!!! I should get a cheque in the next week or so :j T xx
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DMP and reclaiming bank charges
Hi there I am on a DMP with Payplan and one of my creditors is the Halifax Bank (£650 overdraft). Consequently I have moved banks. Should I try and reclaim my bank charges back or should I just let sleeping dogs lie given that I owe them £650? Any feedback on this would be gratefully received. Thanks
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My SOA .....
Hi This is very scary but must be done. Monthly Incomings: My salary - £554.40 Benefits - £706.07 Child Benefit - £126.31 Total - £1386.78 Monthly Outgoings: Mortgage/Rent - £265.41 (keeps changing see post under council benefits?) Council Tax - £94.00 Gas - £40 Electric - £40 TV License - £10.99 Sky £42.00 (tied into 12…
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How do you make extra money?
Hi All! Happy Easter! Im currently doing a DMP thru CCCs and want to raise my payments ASAP! I have 2 children under 3 and have looked into going back to work full-time but fiancially, it would make no sense! (It would cost £900 a month for childcare and I'd be bringing home £200 MAYBE) I currently am registering to be a…
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capquest
ha ha after 2years these chaps contact me again,ive been paying company direct now they said they have the debt and ive got to pay them (i think not} that was last week today they phoned 3 times in a row just to insult,.... poor little chap i will carry on paying the creditor and drop the creditor around 100 emials a day…
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My good news
I finaly got the right letter for full and final settlement from Wescot so as of Tuesday I will be rid of them for good. :j :T :D
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How is Council benefit worked out???
Hi all, Hope your all having a good easter. I have a question, i am quite confused, I get housing and council tax benefit, not the full rate as i work 16 hours a week. When i applied in July last year i got a benefit run on so i didn't have to pay any rent for three weeks or something like that, then they worked out i…
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OR Driving me MAD!!!
Hi all just got letters to day from the OR My wife everything ok and her car is exempt so that was good news!! mine went down hill soon as i read my letter They say they want to see all my bills for gas/water/ct/electric phone etc and all petrol recipts and all other costs plus a copy of my life insurance now none of this…
