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Debt-free wannabe

Archives for June 2006

just found out
hey everyone , just to let you know i was looking at some other chat forums and came across the budgeting and current account one i noticed martin had left a tip to make £100 from the banks:money: ..i'm gonna sign up on monday ..(every little helps) i don't know how many of you know about it but wanted to point it out to…
No Reply
I have had no reply from one of my creditors. This is a debt collecting agency that shocked me into having my light bulb moment. They use to phone me and try and bully the money out of me. At the end of May i sent a letter with copy of budget plan (devised with CAB) with an offer of payment. I got no reply. I sent a second…
Reclaiming bank charges and CCCS
Hi, I am about to be starting a debt managment plan with CCCS (well, hopefully - I have my interview with them in less than 2 weeks) anyway, I've been reading about reclaiming my bank and credit card charges (and between the 2 of us, DH and I will have racked up quite a few!) Do you think we'd have any difficultly doing…
i'm becoming obsessed
today we decided that we were going to do a car boot sale on sunday, ive never done one before but if were to get out of debt ..well it just has to start somwhere...so thinking smart i went to the bank and lifted £30 in 10p' 20ps' 50p's £1 so that i would have change for sunday:D :D now here is the obsessional bit :eek:…
Bank charges & a complex barclays situation
Hi there, I am on the cusp of starting the ball rolling with regards to claiming back my bank charges with Barclays. I've sent off asking them to send me the information on charges made in the last 6 years. However, it occurred to me yesterday that perhaps this isn't a good idea. My dh has a business overdraft which is…
Recieved a letter from my creditors.
I had written to my creditors offering them around 50% of my outstanding balance as a final settlement, one of these have now responded with this: Does anyone have any advice for when i do this tomorrow?
old debt
FirstlyI just have to say how glad I am that a friend at work told me about this site, I wish I had found it years ago.:T This may sound very stupid and looking back it is, but at the time I really trusted my partner. My partner took out a lot of credit which I signed for as she was refused. To cut a long story short, she…
Laurajayne's debt diary/SOA etc.
Hi y'all... Well I've been lurking, and avoiding this for aaaages...but maybe its about time I get my act together, and post. Admittedly I'm not in a huge amount of debt...but it somehow seems to be getting harder to shift :confused: Well here goes: Salary - £1,109 Bills - HSA - £17 (I need this....you'll find out why…
Desparate for Help with Credit Card Bill
I have in total £15k worth of credit card bills. I am three months behind with one of them and have an arrangement. The company concerned have offered that the outstanding balance can be turned into a loan of some sort which I would be able to pay off over 5 years but sooner if I was able. I am one month behind with my…
A Secret???
I was wondering if other people feel the same way I do? I have yet to tell anyone other than my OH about my debts:confused: I couldnt face telling friends and or family out of shame, you would think it's some kind of dirty secret, but it is impossible to tell them. Basically I dont want them to think I have been foolish,…
How To Repair Bad Credit Report?
Hello I was wondering if anyone could tell me how I can repair my credit report. I have a low score, I think I have encountered to many debts:mad: Frantically paying off my debts, due to the tips on this site, but still my credit report is low? Whats the best way to increase your report? ThanQ to anyone who replies!!!!!:T
Got a £10 Boots Voucher - What Do I Spend It On?
Hi All Heres a challenge for you. I won a pigsback quiz a bit since and used the points to get a £10 boots voucher. As this was totally unexpected I want to use it to buy myself a treat - but I dont want to fritter it away so what do I get? Normally its not a problem but I'm after top value for money here as its the only…
Westcot are worrying me slightly.
I'm on a DMP and my largest debt is with Westcot (they bought my loan from Abbey). I've been on the arrangement with Westcot for at least 12 months and about 8 months before that with Abbey. Two days ago I received a letter from them offering me a full and final settlement figure (which I can't accept). However, today I…
Full & FInal Settlement
Just wondered, I am about to try and negotiate with one of my creditors, anyone got experience on how much the following with reduce for F&F, debts are defaulted some 2+ years ago Alliance & Leicester Capital One Natwest
Activ Kapital - Dishonest ?
I have recieved a letter from Activ Kapital claiming I owe £360.00 to a company I hav never heard of. I called them and asked them to explain, they claim the debt is from 1996 and that they now own the debt. I have no idea what this relates to and asked them to furnish me with details. The person who I spoke to then said…
Mmmmm shopping at Asda
I'm a bit cheesed off. I shopped in Asda today thinking it would be cheaper than my usual Tesco's. Stuck to a list I'd made before going, all the usual things we have, but got SmartPrice on some of them, definitely did not go 'ooo I'll have one of those, they don't do them in Tesco' etc etc, and managed to spend 4 quid…
Do you find it hard when your OH just wants to spend??
Got my first payment going to payplan on monday and ive budgetted quite well this month. went shopping today and i just couldnt justify buying any new clothes etc knowing i have loads i dont even wear, and there were even sales on. felt a right saddo. the main problem was my OH just wanted to spend spend spend, then she…
Activ Kapital (UK) Ltd DEFAULT - Who are they?
I hope someone will be able to throw some light on this for me?! I have 2 defaults on my credit file from ACTIV KAPITAL (UK) LTD and the status etc. seems to be updated every month.. yet I have no idea who these people are! I have arrangements with all my creditors and I will be debt free in 7 months after a long hard 4…
It that just been paid friday feeling
I have the urge to shop its just that urge where you have been paid and think "horray i have money i must spend it!" and if i do i know i will have weeks with no money at all grrrrrrrr it almost makes me hate pay day !!!
When you've paid off a credit card....
.....is it best to completely close that account, or leave it open so that the powers that be can see you've got credit but don't need to use it?

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Debt-free wannabe

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