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Worried about hubby
I'm worried about my husband because he never stops working. He leaves the house about 6 in the morning, has a 2 hour journey to work and doesnt come home till around 6-7 in the evening. He only takes time off at Christmas because hes a plumber and he doesnt get paid if he doesnt work. A regular plumbing job wouldnt pay…
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Please tell me if I am correct...
was my PPI mis sold...my DH was self employed when we took out a loan, we were told we HAD to take out PPI on the loan...we were so grateful for the dosh we just took it. Am I right in reading that it was mis sold because he can't claim on it if he was self employed?
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I'm doing the right thing by saying No aren't I?
Recently set up a DMP with the great help from CCCS. Got a letter on Friday from Lloyds TSB, saying that the amount I owe them (which is 2 loans, 1 CC and a £300 OD = £13k) I can have a loan to cover it @ 2.03% which is £115 a month for either 125 months or 144 months (depending whether I took loan protection or not) 144…
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H2B in Court today
In 7 minutes time h2b will be having his hearing as to whether the court will accept his payment of a ccj he owed. Claimant is claiming contracual interest, thats why we have hadto have a hearing. May I also name & praise Which? magazine as they have helped and supported h2b this past week and will continue to do so. all…
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Advice on finding a lodger
Hi I am trying to find a lodger - does anyone have any advice please?
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Moorecroft
Just received a letter from Morrecroft to recover £272 on behalf on NTL. We were with NTL for a couple of years until last July when we changed to Bulldog. We phoned them and asked about cancelling and they told us to write giving 30 days notice which we done. Nothing happened and the line stayed active, wrote again in…
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Dont Be Scared Or Intimidated By Dca"s
as some one soon to be debt free ,since coming on this site i am totally amazed how some people come on here saying im scared of dca"s intimidated why?dca have no power at all other than ask you for payment , they send silly letters all hot air just ignore all threats they are just attempting to intimidate and walk a very…
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Payment protection
Just some advice before I make a phone call...my DH and I took out a consolidation loan (if only I knew then what I know now!!) a couple of years ago for £16k. At the time the lady told up that PPI was obligatory as it was such a high amount (this is with the Alliance and Leicester). I'm not sure how much we are paying for…
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Dilema
I am not sure whether to ring up the companies that I owe to and sort out a montly payment with them myself orrrr get in touch with CCCs or Payplan and ask them to deal with the companies on my behalf. Why do people use the above compainies? :confused:
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My Credit File
Just got my credit file from Equifax in the mail and as I assumed its all fine except a single default from Carphone Warehouse which I had a major dispute with last year. It ended up with them not returning my calls and so I thought forget this I'm not paying for the final bill. I dont know where I stand now as I moved…
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what have you spent today 10th april 2006
morning guys......just off out with the kids to cashpoint to draw out weekly cash. need to buy some fruit and veg and some meat for the week, but might buy some extra today as i still have some money left over out of what i budgeted for sat night out......instead of it just being squandered i thought i would put it to good…
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Should I get more credit when I promised hubby I wouldn't?
Hi guys! I am really struggling at the moment with a bit of a moral dilemma. I had a loan which I took out 3 years ago, of which the final payment would have been next month. However, last Oct I decided I would be clever and use my overdraft to pay the remaining balance off (approx £780) and would pay off the overdraft…
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OH. MY. GODS. Complete shock at this list of DCA's
Hi guys 'n' gals, Now I've never posted my story/SoA or anything before because I started destroying my debt and saving money long before I ever found Martin Lewis. I gotta say though this is totally bitter-sweet as I could have done the same a bit quicker I think, but I'm glad I found all you fantastic people in the end…
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i wish to lodge a complaint!!!
against all you NCFC members, how dare u plagurise the mighty Norwich City Football Club initials...its just wrong CHANGE IT NOW!!!!!!!! :p :p ;) ;) :p :p Official NCFC member 001 (and yes maybe the only one on this board!!!) Will
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Hi Everyone
I`m a longtime lurker and I thought it was about time I joined the party :D .Had my light bulb moment last october,and managed to reduce payments to all creditors...but then OH lost his job so we called cccs who were wonderful,went through our SOA with us and now we are paying £1 a month to everyone until OH is working…
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Newbie-need help!
OKAY! this is fairly long so I apologise in advance I know that comparatively speaking my debts probably look fairly small to some. However in relative terms I feel that I am in over my head and my situation has been causing me sleepless nights.... mainly because I am pregnant, due in August, and have no idea how we are…
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my money saving birthday cake - please look
hi guys, well as i posted earlier this week, my birthday was on tuesday 4th. but i was going for my BIG NIGHT OUT last night with my mates to celebrate. we all met at my house and i was given the most wonderful suprise birthday present by my best friend know on here as wanttosave (not wanty). just had to post a picture of…
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Really Miserable
Really miserable today - massive argument with OH resulting in both of us discarding wedding rings. He nerver communicates and i feel left to my own devices with debt amongst other tings,,,,,,,,,i feel second best and am really uspet. Weve both said things, horrible ones- dont know what to do?
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Which debt management agency to use?
This isn't for me by the way. I'm pretty much on board with sorting out my debts.....thankfully... I've just had a visit from by 18 year old nephew and his girlfriend (who 6 months gone).....She's not working, he is ...they are about to move into a one bedroom house (private landlord grrrrrrrr) which is going to cost £600…
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Help me to get out of a financial mess
Hello everyone, this is my first time doing this but have been reading most threads for quite a while, and it seems that you all know what your talking about so thought i would list my debt and see if any of you have any ideas that could help me. :confused: ok here goes: Visa c/c: 6,300 tsb c/c: 1,925 was 2,000 wallis…
