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Made my call to CCCS today
Well i just got off the phone to CCCS and my appointment is booked for friday 7th July, just waiting for my starter pack now. Just want to say that this board has been a massive helped and give me the push i needed to finally call them so thanks :) Reading everyones posts really helped! The CCCS were so nice and…
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Not sure what to do.
Can anyone help with this please? I use Paypal for ebay purchases. Last monthe, I bought two items, one for £4.00 and one for £5.00, both within 24 hours of each other (although the timing isn't relevant) I paid by Paypal as I always do. I had about £1 odd in my Paypal account with my Natwest savings account as my backup…
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Help/advice about a loan..
Hi. Im currently looking to obtain a loan of around £1000 to clear my overdraft and pay a few late bills off but my credit rating isn't very good so its hard to find a good company/bank who will offer me one with good rates. So I've resorted to looking for a company who offer people loans with poor records and CCJ's etc…
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Suggestions please.
How do I get O/H to accept that we are living beyond our means when she takes the view that life is for living and sod tomorrow. There is some history here, in that she had breast cancer 5yrs ago ( fortunately now has the all clear) and at that point we DID re-evaluate our lives and started the slippery slope in to deeper…
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Transferring loan onto credit card - Abbey
Good afternoon :) I've called Abbey today about transferring my Egg loan onto my 0% Abbey credit card. They said they can't do this - the only way I could do it would be to transfer cash from the card into my bank account (at 2%) and then pay the loan off from my bank account. But I forgot to ask them about cheques. Every…
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Good news from me!
A market research company who I've done work for previously just called and asked if I'd take part in a discussion panel- 2 hours on domestic and international affairs. I can't pretend I'm too excited about the subject but then they mentioned it would be £75 cash payment :j Off now to swot up on the Times world news…
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Gym payments..... They havent taken anything yet...
I cant remember when - about a month and a half ago - i joined the gym in my basement at work - holmes place we get a discount as work pay the years fees and then it is deducted out of our salary each month. (£58). there is supposed to be a £20 joining fee - which they have never asked me for (which i would be responsible…
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Very odd - lloyds tsb
I have been trying for over 18 months to get a £100 OD with Lloyds tsb for my joint account. they will let me do what i like with my personal account - but probably due to my OH's credit rating they wouldnt let us have one on our joint account. i was told that if we managed to not go overdrawn on our joint account for 6…
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me again, question about bonus
my husband gets a bonus twice a year, do i count this when using the MSE budget planner? he gets on average £800 each tim, after tax how can it really work as for 10 months the funds wont be going in the account.
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My credit rating :)
Well my credit rating has been quite low for some time (electoral roll who needs it ;) ) and I finally had my electoral roll updated to my credit report and thought I'd see how my credit score was looking... well... it's still rubbish! So I called Experian and asked them to walk me through it all :) The good news is that I…
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mortgages for debt.
is it wise to get a mortgage say for 160k then buy a house for 110k using the left over money to wipe your debts of? are there any problems in doing this as i have spoken to various people who inform me that tis is possible.
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Barclays have started with the phone calls
they sent yet another letter saying my account was closed from 27.7.06 (i had untill 7th july to pay the overdraft which got cleared by tax credits and child benefit going in on the 27th) anyway ive been out all morning gets home and i have had 4 phone calls and a answerphone message saying they need to speak to me:mad: i…
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My SOA - Any comments welcomed
Hi, I wondered if some of you could look over my SOA. I am in debt. Enough to frighten me personally, but not much in comparison to some of the brave people on here. My lightbulb is flashing at a rate of knots as I am about to leave full time paid employment to pursue my dream career, part-time and on a contract basis and…
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next debt collection
hi next are going to pass on my debt to a debt collection agency as any one else delt with these i have herd there not nice has anyone had any good experinces with these thanks
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SOA for BR Petition
Hi guys Hope someone can help I am helping a friend complete the BR petition - date is 7/7.( We have gone through the forms and have completed most sections however we need some advice regarding the SOA part. In the last 3yrs he has been sick from work for 23 months and only receives SSP when off - hence why he is…
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why are my loan applications being rejected?
Right, I really cannot understand this. When I was a poor and struggling student, companies were willing to give me credit cards, store cards and loans galore. Now, although I do have debts (£21,000 which is a loan from my bank which I never default on and pay monthly) I own a flat in London (mortgaged obviously and have…
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How do you organise your finances?
Hello all, Since joining this website I have created my own spreadsheets to organise my finances, nothing flashy or pretty but I have become a bit obsessed with them (and they look like work so I can stare at them all day!) I just wondered how everyone else does it, maybe I am missing something or someone has a better…
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Bankruptcy & redudancy question
Hi all! I wonder if you can help me. I am new to this and I am trying to help out my best friend who is going bankrupt - no it isn't me!!! Anyway, we are at the stage now when we are about to fill in the court forms to apply for bankruptcy. He has been signed off work sick for a couple of weeks now after injuring his back.…
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RBOS royalties account
:mad: Hi already posted this in bank accounts threat but thought you guys may be able to help having checked OH bank statements noted that he pays £6 per month for this account thats £72 per year:eek: Has anyone tried to claim these back or do you think we would be able to claim them back hes had the account for about 8…
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Work have messed up my pay - need help!
I was totally confused as to where to post this one so here goes and let's see! I received my payslip today. I am paid monthly in arrears, so basically I should have been paid for all of June. However, upon some rough reckonings so far, I am "missing" somewhere between £300-£400. What has happened is that I have been…
