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Rejected Again!!!
Hi Everyone, I'm desperatly trying to lower the interest rate I have on borrowing on an EGG card (£1000) and a Career Development Loan (£1500). However, I keep being turned down for things (today a Northern Rock loan). I have also been turned down from 2 0% Credit Cards (Virgin and Amazon) so this could be the reason. As…
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quidco
how does quidco work, i have seen a few people mention it and was just wondering what its all about?
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Personal mail question
How do you pm someone from this forum? Thanks.
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Boxclever!!
hi everyone, the tv rental people Boxclever are chasing me for monthly payment on a tv that i rented from them back in 1999, i've been paying £11.99 a month since then but a few years ago i broke the tv my question is this should i tell them i've broken it and am not prepared to keep paying the monthly charge? or should i…
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Ccj
I received my credit report a few days ago and i am now determined to try and get on the straight narrow. I had 3 CCJ's on my report 2 of them were issued in june 2000 while the other was issued in november 2003. The one for 2003 was issued to my old address after i had moved out as i moved out in sept 2003. The eailest i…
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Easy way of organising
Hi I have been really good the last 6 months with my money but i never actually get to the point where i know how much to pay off debts etc. The only ones i am paying at the moment is a onetel account which a man comes to the door, this is a much better approach as i remember then. He is also going to start collecting for…
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Snowball Help
Does anyone have a link to the snowball calculater as I want to check my debt free date. I have just cleared my mothercare card and want to see what effect this has on my date
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Woohoo....I've done it!
Not paid off all my debts unfortunately, but I have managed to get my overdraft below £600 which was my personal aim for the month.Hoping for £550 next month... EDIT...to add, also worked out I can pay £60 off my virgin bill so that's below £500 now, my debt could be sub £1000 by next month!!!!
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Domestic bills
Well I split with my partner for all sorts of reasons including his debts and head in the sand you sort my money out attitude. BUT now he has moved out im left with a £400 electic bill in my name (he kept a heater on 24/7 in the concervatary to stop his pc getting condinsation) £80 Water bill in joint names. £180 gas bill…
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Free Pashmina??
Does anyone want a pashmina?? I got my free sample of Comfort the other day (it is FANTASTIC....I may have to splash out on a full bottle in the future....don't worry I will make a saving elsewhere to balance it out ;) ) however I am not really a pashmina girl. Would anyone else like it? It is quite large and a…
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What Have You Done Today That is DFW Stylee?
OK it's been a while since I saw this thread around.....come on you guys, we need to keep rolling! So what have you done? I was supposed to go into town today and spend my free Pigsback John Lewis voucher however it is raining so I have not gone in. Which is probably a good thing because I think I would have added some…
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Update - Feeling Much Happier Now
Since I originally came on here and got kicked up the backside by you lot, I have sorted out quite a lot. I have sold loads of stuff on ebay and paid off the overdraft and the debt has gone down by about £1000 in spite of having problems with OH van, dental bills and paying for son's exams. I have saved up some money for…
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Can't believe the mess!!!
Hi, First of all, finding this forum has been a godsend, you're all wonderful! My 'lightbulb' moment has kicked in!!!! I've been setting up a business for about a year and a half now, and have used credit cards to finance it. I think you know where this is going. Well long story short, I'm now paying over £280 per month in…
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Website to pay off MBNA loan?
Does anybody know a website similar to https://www.billpayment.co.uk/ where I can pay off a MBNA loan using a credit card? I have 0% card and it would work out cheaper than paying it off 'normally'.
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Am I thick.....
I just want to ask how to quote someone in your post. I have tried and it goes wrong and I cant find where it tells you. Thanks
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Credit report default expiry question
I have a default on my Experion credit report. The date of the default is recorded as 30/06/00 and the balance is satisfied. Below that it says "File updated for the period to 07/10/01 I need to know when I can expect this default to disappear off the report. I know that defaults are kept on file for six years but will…
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How much have you spent? 27/May
Hi Folks, how are you? Had a good day off yesterday, but spent quite a bit of ££££ :eek: !! Also found the bits I need for travelling; hiking boots, sleeping bag, travel towel, sleeping bag liner, hiking socks - so will need to go back & buy them & part with some cash!! Double :eek: !!! Today I'm at work.. after today I…
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default notice.................................but
i dont know if this is standard as after 6 months of reduce payments HSBC have finally issued me with a default notice now does this mean they can no longer charge interest or they are going to take the house or what!:confused: im with the CCCS but its bank holiday and as a point of notice HSBC only ever send us out…
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A great feeling when-----
Finally , all creditors have accepted my propsed payment plan to them. And it is a great feeling getting the statements and seeing that there is a reduction in the balance and not the balance staying the same as the intrest has been paid off only. My credit record is shot to pieces , but as I never want credit again , that…
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Post lightbulb moment...
While I've not been the most regular member of the board, things have slowly started to improve since my lowest point re my debts in the New Year. To recap on my situation: I have approximately £10000 in credit card debts, spread out over 4 different cards, a loan of £12000 which is now down to £9500 and my car which is…
