-
Will they freeze the interest??
Hi everyone, Just after a wee bit of advice, but not sure if I should be posting here, or on the credit card bit. I've got a credit card with Bank of Scotland, and it's pretty much up to its limit of £4750. The APR was 16.9% but as of this month, it's going up tp around 18.9% (I think). At the moment, I'm only paying the…
-
hi everyone
hi,been in debt most of my adult life though one reason or another.Been reading this forum for a fair while so though id best join. :j
-
Finding a holiday whilst on a debt reduction plan.
I'm four months into my debt reduction plan and to date things are going to plan... Yippeee!! Summer is approaching and everyone except me seems to be booking holidays. I feel my family are entitled to a break. We've always had holidays spent with relatives (free board and lodgings), however for various reasons I now…
-
Dfw Finders Keepers Club - Wanna Join??
I know that we have a growing number of DFW coin saving clubs at the moment BUT I think that there may be room for another which doesn't involve saving your hard earned cash. I've decided to start a little experiment to see how much money I find on the streets or whilst out and about that people have dropped and not…
-
Credit report help please
Hi, I got my credit reference yesterday from Experian and found a couple of things on there that were a bit worrying. Firstly, a default from One to One (mobile phone, from 1999). I moved house, wrote to them to give them my new address and never heard anything from them. Being young i thought well not to worry and forgot…
-
How much have you spent/will you spend Sun 9 Apr
I'm looking for a no-spend but will cheerfully throw it aside if it means I can go and see my new nephew! (tsk - I know, but worth a parking charge!) There's a chance he may be going home with my sister today though so that would be a visit and a no-spend day :cool:
-
What won't you compromise on in your bid to become debtfree?
Just wondered if there were things you continue to spend the same money on pre lightbulb and if yoou have are you happy with the alternatives or do you see it as one compromise too many? I thought I had made loads but I was surprised to see during my weekly shop that I am still buying a lot of the same stuff I bought…
-
Goals for week commencing 9th April
Last weeks goal thread here Morning guys and girls :D That time of the week already! My goals for last week... 4 no spend days - managed 5 :j Pay £100 Inland Revenue Refund cheque into bank! - yep :j List another 5 things on eBay - erm, no :o listed 1, and meant to do more yesterday, but ran out of time! So I will do them…
-
Cash or card??
Hi there everyone, Thought I would drop in and say hi!! Been lurking for ages. After being in alot of debt, and successfully completing an IVA 2 yrs ago, we are me and DH feel so good about ourselves. However we have acquired some credit cards,mainly to get our credit rating back on track and try to pay them off every…
-
Help please
Goku2010 has written a very long story on my thread What Caused Your Debt in The First Place. Hes a newcomer and I think he needs some expert advice urgently but im sure he wont want to write that all out again. Could some of you please advise him what to do. I'm not as good at it as some of you guys.Please could you give…
-
What Path to take?
Hi, I have decided to register on this forum, and as I realise I am one of thousands in this country of bad debt and non-stop credit, I have no shame in using my realname as my username. That's the first step. Secondly I have debts that have developed out of my student years, and they have only escalated. I know I am not…
-
Bank charges?
Please can someone give me more information about unfair bank charges? I've got something like £50 due to come out of my account soon, which I think is horrendous for going over my overdraft, especially when I'm trying to sort out my finances with them, and they know this. They've done this in the past a few times too. Any…
-
loan dillemna
seking advice and guidance on debt consolidation, i currently have outstanding debt on loans cards etc, in the region of 30000. i am fortunate enough to my own property, on which no mortgage is owed. is it possible to obtain mortgage against the property to clear outstanding debt. kind regards :eek: nhl
-
Urgent Help Please!!!
For the past few years, My partner has been repaying a defaulted Lloyds TSB loan to BLS collections. (The loan was taken out by her ex husband in her name, He defaulted and left her to pick up the pieces) She has been paying an agreed amount every month witout fail. A few weeks ago she recieved a letter from BLS…
-
OOPS spent too much
Hi Guys and Girls, Hoping for a bit of general help here. I got accepted for a Halifax card, recieved it yesterday. In the space of 24 hours, I have managed to stick £2150 on it. Before you all say omg, naughty boy, it did include a meal that lead to the presentation of an engagement ring to my GF (put on card) :) :beer: I…
-
A Experian Query
I got my Experiean report recently and found 2 late payments with a store card G E Money. This was last summer not long after I had moved and I told BHS my new address but they didn't change the house number :confused: Once this had got sorted out BHS refunded the late charges and refunded the interest too. End of story or…
-
Student Loan charges
This may be in the wrong place, please bear with me! (Or shift it). Have noticed several threads about banks charging unfair amounts for financial misdemeanors, i.e. exceeding overdraft, etc. My question is: Are the SLC guilty of a similar offence? In my experience the SLC make amazing blunders, like being unable to defer…
-
Will they Refuse my Offer?
Having now done a budget plan so I can actually see the awfull truth in black and white, I don't see how I can continue paying my creditors. I've written out letters to all the credit cards companies and my loan company and made copies of my budget plan for them to see, and am going to offer £5 a month. This really is all…
-
bankruptcy
iwas made bankrupt last april which was fine but i have found myself oweing council tax of the value of 500 pounds i came to an arrangement with the council i missed one payment and they sent it to the baliffs i came to an arrangement with them but was unable to keep that up coz my husband was sick for a few days and his…
-
Soa At Last, What Do You Think!!
Good afternoon to all you MSE'rs. I have never posted a SOA, but have been a member for a few months and wondered if there are any other savings I can make that I cannot see. My income: 644 DH income: 1213 Child Benefit: 125 Family Tax Credits: 258 (looks like it could go down to £140 due to earning too much for 2005-2006)…
