-
Advice needed
I am on a DMP with the CCCS one of my creditors is the Halifax. Over the past couple of weeks they have been harrassing me. I have contacted the CCCS to do a reveiw and i believe they have contacted the Halifax. Yesterday out of the blue i received a letter. "DESPITE YOU PROMSIE WE HAVE NOT RECEIVED A PAYMENT YOUR PAYMENT…
-
almost £400 paid off in 3 weeks
:T :D I've paid off one credit card and one store card in 3 weeks, thats £372.27! I don't know how I've not missed the money! Maybe because I keep paying odd bits here and there and don't notice it going as much!
-
Full and final offer
I made an offer to Sainsburys based on some money arising from the death of my father. There is already an ongoing regular payment arrangement in place. They have at least responded but the figure they are quoting for settlement is vastly in excess of the funds I have been able to offer them. Any suggestions on what my…
-
Can anyone help
Hello, I have just registered today, so i am very new to this. Can anyone help me out with my debt, really cant get out of it. It doesn't seem to matter how much i earn it doesn't help. I have worked a minimum of 65 hours per week for the last 3 years (its beginning to hurt).. Heres my run down.. hsbc loan..... £8300 .. 42…
-
Group Hug thread!
Just wanted to offer a massive group hug to one and all on what has been a rough old day for many of us here. Even though its been pretty bl**dy awful for many of us today, as usual the overwhelming response is kind, helpful and caring. Thanks all for your brilliant insight and words today, it really has meant more than…
-
I can't believe it - we had a day out today!
I'm new to this site and just thought I'd say hi. My husband and I took our little girl to the cinema today. It's the first time we've been out for about 18 months. I've been working on my debts now for about 18 months and can already see them coming down! We had been living on credit cards and the overdraft for about 6…
-
Jerusalem for DFW
To the tune of the happy day hymm Jerusalem. Cmon you all know the tune And it's just to raise some much needed smiles :j And did those peeps in ancient time live in a endless overdraft And was the saviour of them all a website known as MSE And did the counting of the coins add up to much or none at all And was Jerusalem…
-
Why is it always me
Ok today i am feeling really frustrated about my debt situation. so excuse me whilst i vent. I have been struggling with trying to struggle with outr debt for over a year mostly by myself. I have made some progress but this year i decided to really grap the bull by the horns so to speak and so came on here determined and…
-
OFFICIAL DFW NERD CLUB - Can I Join Pls?
Can i join the OFFICIAL DFW NERD CLUB please :p
-
What have you spent today? 11th April
Well I couldnt see todays thread so i thought Id start one off - I hope no one minds. Today I have had my first no spend day in a fair few weeks :T Hopefully it will be the same for tomorrow too :T Hugs Pixie
-
Starting a new business
I have been planning a new business venture as I am currently unemployed and have always dreamed of being an entrepreneur...so here is the big make or break! I am proposing to start up my own cleaning company, offering domestic services and ironing pick up and delivery. I know it sounds simple and half of the appeal is the…
-
Shhh No One Will Notice Me Sheepishly Entering The Room :)
Hi Everyone :T Im so sorry i havent been around for a while, I needed to take a break from things as life was getting a little too much for me. Things arent really that much better, so Ive come to where I know I can always rely and a friendly smile - I hope you all dont mind. I dont think Im alone with this, but Ive been…
-
Ignorance isn't bliss
This is a desperate new step in the positive direction for me. I can't seem to be able to clear my overdraft of £3,500 with Natwest. Just when I think that my money situation is improving a financial catastrophe happens and puts me right back to the overdraft limit. I've just been hit with a £50 charge for a number of…
-
Help needed on bank charges
Hi can anybody any this question on bank charges. My sister has an overdraft with her bank of £700. Today she was £600 overdrawn. She had given her daughters nursery a cheque for the sum of £156 which came out of her bank account today which took her over her £700 overdraft limit. She also went into the bank today and paid…
-
Lacking Motivation!!!
Hi I posted my soa on here months and months ago and along with my other post on the next page, with the dca's ignoring me and not sending me payment slips i am becoming very dispondent, i have stopped putting money aside for debts every month because they either won'taccept my offer or won't reply to my letters or won't…
-
Bank Customer Service - How annoying
I decided to try and do something about my debts, see below the emails. Mr Boden has really upset me and could have ruined my life ! How can I stop them sending letters at the moment .Read from the bottom up ! Thanks for the information. Due to the nature of your request, I will have to refer your e-mails onto our Customer…
-
Come On Be Positive
there seems some unhappy people on here we all have bad days but come on be positive take your debts on knuckle down and get your life back in order fight all those who seek to put you down and knock you from your chosen pa :T th
-
Travel Fund Progress.....
I hope it's still ok for me to post here.... Unfortunately my signature was a little too big for Mr Lewis's liking, so it is under construction ((I think it was because he didnt like hearing about how I only have 14 weeks left of work)) tee hee!! Just kidding. At the moment, my travel fund stands at £4,500. It doesnt feel…
-
Credit Ratings
Hello all, Can someone please help, I have a very poor credit rating but have just cleared all debts that i had with a bit of hardcore saving and no social life, but does anyone know how long it takes for your rating to increse to a decent score as i wish to apply for a mortage in the very near future. :confused:
-
Who is dreading Bank Hol Weekend?
I AM! My OH says "what shall we do with ourselves?" I cant afford anything other than housework!! I have so many ideas like decorating (that NEEDS to be done) or fancy a nice day out somewhere but cant afford it :-( I have £60 left til pay day and am counting down 17 days to go BOOOOO HOOOOOO
