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The letters are starting to arrive
Had the initial letters and now the default notices are coming through threatening legal action etc......although I know I shouldn't panic about this, it's still quite stressful................ I received a letter from Barclaycard.......'we are not accepting the amount offered and interest will be charged on your account…
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i got a job??? woops wrong job!!!
hi all.... i took up an offer of a job p/t fri-sun 4.30.11pm gr8 CIH help with debts....well i turned up 2nite it is a Chinese takeaway 4.30 and at 4.45 i was gone...why u ask..well a ladel came flying over my head then a wok so i wasn't hanging around for the knives did i do the right thing or should i go back 2moz and…
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Bailiffs, what can they take??
My friend is in a situation where she's having to make herself bankrupt. When she does, and the bailiffs move in, what do they have to leave her with, its just that she's got a very expensive cooker, dont they have to leave her enough to cook, sleep on etc??:confused:
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Yesterday in despair - today 1st bit of good luck in months
Hi just want to share with you all - in the last 2 weeks my bank has taken £175 out in charges, I get paid weekly £210, yesterday I was in total and utter despair as I buy all the food and housekeeping and I owed the childminder £81 and car insurance was due out £20 so this left me with exactly £0 for food. Last night I…
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CC Balance Transfer question
I have got a 0% CC and want to transfer my next directory and other card balances onto it, do i just phone them (ie next) and pay off my account with the new card? i know this sounds stupid, but i didnt fill anything in the "balance transfer bit" of the applicaiton form:confused: thanks
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One paid off
I've been on a BT Pay & Call Debt payment plan since December & just realised i've finally paid off the £210.53 I owed to them. They'd already sent it to Moorcroft Debt Recovery & when I set up this plan Moorecroft were still hassling me. I'd originally offered to pay MC £50 a month & all they could sayw as we'll come out…
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Credit Check
Hi, first time poster, please be gentle! Not quite ready to post a SOA yet but I have downloaded a copy of Martin's budget planner so that I can try to work out this weekend why, on an ok salary, I never have any money! I basically have 2 debts: Capital One CC: £1000 (maxed) Halifax Classic CC: £14000 (maxed) I have never…
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My first post about me and my debt!
I've been browsing this site for a while now and now, thanks to all of you, I feel confident and inspired enough to post with my situation. Sorry if this is a little self indulgent but I'm thinking that by making my debt situation public I will just have to confront it rather than hide away from it. I've just sat down and…
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I'm kicking debt/financial butt today!
Just wanted to boast about how much of a high I am on today about moneysaving. Been a bit slack of late after having to change our car, along with associated costs (tax/insurance etc) I feel I'm getting back on top. Although I don't think I've truely had my lightbulb moment yet I do think I am making better financial…
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woo hoo got accepted for 0% card
with a £5k balance, therefore i can transfer all my cards, catalogues etc onto one card and start making a dent in it for 9 months while on 0% i feel much better now as i might actually see some progress - rather than paying off bits and bobs all over the place
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Take Care with Experian's "FREE" Trial
After reading about credit files in Martin's weekly email (21 March), I applied to creditexpert.co.uk (Experian) for a 30-day free trial. You have to provide your bank details so that if you haven't cancelled when the 30-day trial is up, you get charged £5.99 per month. I'm always a bit wary about doing this but thought a…
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Newbie With £5.5k Debts that need Shuffling!!
I am having my 'lightbulb' moment and was wondering if anyone can advise on how to shuffle the following: Overdraft 18.2% £1500 (Balance) Lloyds Visa 17.9% £207.82 (Balance), £2500 (credit limit) Egg 0% til 01/10/06 then 15.9% £2183 (Balance), £2500(limit) Halifax Visa 0% til 04/03/06 then 15.9% £1591.32 (Balance), £3500…
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Ok, heres mine, a complete post this time.
Monthly Incomings: My salary - £0 Have been unemployed since February, still looking for work. Partners salary - £336 Benefits - Child Benefit -£110 Child Tax Credit -£276 JSA -£0 Total - £722 Monthly Outgoings: Mortgage/Rent - £320 Council Tax - £101 Gas - £0 Electric - £100 TV License - £10.49 Sky £0 Phone - £44 inc…
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What do I do? Savings vs debt
Hi all *waves* :beer: I have a query that I can't really resolve I have outstanding credit card debts (on a 0% card for another few months yet) and a loan *spits* I've just sold some halifax shares (no don't get excited, I just never got round to selling the minimum before!) and now I have £2k of savings (these are the…
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Compulsion to Spend Money on Pay Day
Hi All, My Husband and I are in the process of going bankrupt, we have been having money problems for a few years, but are finally facing up to it. However still every pay day something in my brain goes 'Oh I have money, I can go out and buy myself stuff'. Ok now it is much smaller stuff, but it is still stuff that I don't…
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Not My Debt
just wanted to ask anybody in the know..i have lived at this address for near on 2 years and get DCA letters to a tenant that lived here over 6 years ago..why can't they trace them to there correct address?:confused: Tina x x
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First post - just wondering if there's anything else I can do?
Hi everyone I've been browsing through the forums for a couple of months now and the advice on here has been invaluable. I'm not what I would consider massively in debt, but I do have a personal loan of approx £8,900 to pay off. This is due to refinancing my graduate loan a couple of months ago (I'm now 31!) because I'd…
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Natwest
My fiance currently has a £500 overdraft with Natwest which will be paid off through CCCS. However I am concerned that they will withdraw the overdraft, then try and take money out the Joint Account and then try to take money out of my personal account (because we are financially linked through the Joint Account) I just…
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My payplan stuff has arrived
feeling more postitve today than i have done for days, our payplan stuff has just arrived, we have one account number to add (for my barclay card as i cut it up so i dont have it untill i get a statement) its also payday which is always nice i now have a soa as suggested by them if i post it maybe some of you could shave…
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Decision to Make
Ok, I've come to a junction. Debt Matters Plc have gone quite a way with me and have taken on my case, nothing has been signed yet, but they have said that 28k worth of debt can be reduced to just £230 p/m for 5 years through IVA. PayPlan have finally called me and have arranged for a financial assessment for monday noon.…
