-
Job application for debt advisor
As you know I saw a job being advertised for a debt advisor and given the problems I've got at work.... any way the more I think about it, the more I think I would really like this sort of job. On the application form I was going to say that I could understand where people who were at their wits end with debt were coming…
-
Bank Stolen Money
We are with payplan, it all starts this month! We, as reccomended opened a new bank account with Llyods TSB, transfered all debits from our original HSBC account, all fine so far..... But (even though the original HSBC bank account is registered with payplan as a debt) we received a letter from HSBC today saying they were…
-
IVA's & Bank Charges
Hi Folks Hope someone can help Just Joined today after watching 'Tonight with Trevor Macdonald' last night. I have an IVA which I started 1year ago, I was wondering if I could in theory claim back bank & credit card penalties from the past 6 years or so. Any help in this would be much appreciated. Thank you
-
sinking fast
Hi Again but im not sure if my first attempt went in the chat room help im in debt overspending by 150.00 a month have to use credit cards to survive the month as overdraft used up cards stopped have a secured loan do i remorgage? sell up ( the house i ve put everything in to)? give up? please help
-
Paid off a debt today!
Hi guys, I'm really happy with myself, i have just paid off a debt, ok the debt was only £87 to start with but a man has been coming to the door to collect money and i have been trying to give him £20 a week. it has taken me 5 weeks but i have done it. One less to worry about, and more motivation, i have also lceared out…
-
Information on Individual Voluntary Arrangement's
I was a bit wary of posting on here. I feel soooo stupid. Through one thing or another I have managed to get myself into a lot of debt. I have tried juggling debts here and there, but nobody will lend me a loan to cover debt on credit cards, from which the interest is killing me. I am struggling to pay everything at the…
-
I've stopped hiding the mail from my OH
Hello, My first time posting, so a little bit of background: I've had debts for as long as I can remember. My financial situation has yo-yo-ed for pretty much all of my adult life. For years now I've been mostly in the red, incurring charges from my bank and having my CC limits upped. About 8 months ago I gave up a…
-
where do i stand
im self employed plumber and have 2 lads working for me, i pay their wages into the bank every month,anyway i must have used my old records and paid one of them into his old account,which he said was closed and the cheque would bounce back,so i paid him again,anyway,my bank has said his wage has gone into his bank,he says…
-
Problem at work - Won appeal - What now
Can anyone help? I have been having huge problems at work over the last year or so. Basically we have a new broom and she wants to sweep clean. I have worked at the same place for 22 years, but unfortunately she has found a reason to sack me for gross misconduct. I have been suspended on full pay for the last four months.…
-
Am I the only one?
That gets really annoyed by all the adverts with slogans like 'make tomorrow toady', or 'lower your monthly payments'. Also people saying things like 'you only live once', 'I'm incapable of saving so I'll get a loan and pay for it later'. It really doesn't help society for it to be so easy and socially acceptable to buy…
-
Parking Ticket Advice please
Hi ( I know this is the wrong board, but couldn't see where to put it and you lot here are sooooo nice to me) :) I went to Lidl the other day. I drive into the car park and past the store and I notice 3 people standing outside. I looked at my clock and it wasn't 9am yet, so I thought I'll sit in the car. I sat there till…
-
encouragement...
What is wrong with me? I run a small business (doing ok, could be better) and I'm also a nurse working on and off for a nursing agency. The agency I work for have been offering me shifts (last-minute) for a few weeks now and the pay is excellent but I just can't seem to motivate myself to accept them. From my previous…
-
Have you told anyone about your debt?
No-one knows about our debt, not even our children although they know money is very tight and we are economising. That's just the way we have decided to deal with it and we are comfortable. But just as we don't tell people I am sure that others don't tell each other either and this became apparant today. I would love to…
-
MBNA Aaagh!!!!!!!!!!!!!!
Im on a DMP with the CCCS and one of my creditors is MBNA :mad: they still send me a statement each month and i have just noticed that they are still charging me interest. I pay them £50 a month and they are charging me 33.97 interest which means i am only paying £16.03 a month. Its going to take me forever to pay this off…
-
How Do I help
Hi Friends, I want to help my mum to become debt free and face up to her financial crisis. I have bought her Martins latest book which I intend to give to her very soon. I was going to put a note in it saying that when she's ready and is able to face her debt, I'll sit down with her and help her contact her creditors etc…
-
Disgusted with Payplan
A warning to anyone using Payplan. This is an update from a message I posted at then end of last week. Hubby was being taken to court over his business overdraft & sent forms to fill out by the court. Payplan told us they thought it odd as Lloyds have been taking our monthly payment. They told us to forward the forms to…
-
DFW Shopping tart!!!
Today I needed to buy some basics - toilet roll, soy sauce, eggs and bread so went to my local Aldis. Managed to get most except soy sauce so decided to nip nearby to Farmstores another cheapie shop. Wow first time there and I was amazed at their prices. Some things are much cheaper than anywhere else but Aldi's are better…
-
A Great way not to spend
just thought I would share this with you, I've just spent nearly 24 hours minus my purse, searched hi and low couldn't find it, had my switch card in it and some grocery money. Just found it reckon I've saved about a tenner plus lost weight looking for it:rotfl: So my advice, hide your purse down the sofa !
-
Defaults
if all my debts are defualted and passed to colelctions and i start paying them off does my credit rating still go up slightly? and i tkae it while im wid collection agencies there be noway of obtianing credit until they are all fully paid off?
-
Help me get off the sofa!!
Not much work to do today (slow week but no guilt as mad week next week!) Iam still in my pjs and just had icecream for breakfast! List of DFW tasks for the day please to get me up and moving!!!
