-
Asking for a favour...
I'm building a website about debt and bankruptcy for my journalism degree (http://journalism.bournemouth.ac.uk/lmeakin) and would really love to hear your opinions and experiences for inclusion in my articles. Do you guys think that it's too easy to get credit? Have you had experiences of debt getting out of control? Are…
-
£25k worth of loans
tesco £12k abbey £9k blackhorse £4k all around 8% apr. feels like a chain around our necks wish they would all just go away, have got 4ys left of paying them off, £750 per month we pay for them so we've never got two pennys to rub together! any advice? Thanks, Kerry
-
New book
I've just bought Martins book from Amazon so this time next week ( or month - its pretty thick) I will be the expert in everything money saving !!! It was only £2.00 from Amazon second hand and its in mint condition. It says it can save me up to £6000 a year but I think all you guys have already saved me as much as is…
-
Karnevil SOA - tentative first steps
Hi all, I have today contacted CCCS to make an appointment with a debt counsellor to try and get back on track. I found the site through the consumeractiongroup . I don't think I am hugely in debt in comparrison to some of you on here, although I could be in denial ! Having started proceedings against my bank for refund of…
-
Bankruptcy the best option?
A lot of people have advised me to come here.... so here's hoping you can help out! The situation is this. I clocked up in the past about £11k worth of debts - about half that in CCJs. A CCJ from 5y 10m ago, with the last contact from the company being Sept 2001 of £1500 has come back to haunt me, a couple of months before…
-
A (non) smoker's tale
I started smoking around 9 years ago when I was going through a divorce. Since then, I have increased from the odd one when I was out socialising, to 20 per day now. I have been reading Allan Carr's book 'The Easyway to Stop Smoking'. Last night I read a chapter on the financial side of smoking. He suggested working out…
-
Goals for the month
Thought I'd start this to keep me motivated, as there are lots of things I need to do that I'm procrastinating about, but I won't get done in a week. So, 2 different types of goal - MSE goals & me (peace of mind etc) goals. MSE 1. House insurance - phone back company we're with telling them how much cheapest quote…
-
Can they do this?
I've received a letter from a debt collection agency, asking me for almost £300 for my home study course. :mad: For whatever reason, 2 s/o payments for this didn't go out in Feb and March, and I received a letter informing me. I totally forgot about it as I had other things on my mind, and then received a final notice. I…
-
Pay off Staff personal loan with credit card?
I have been thinking about this for a while. I have a staff personal loan at about £5k remaining 6.2% payments £89 per month as have stupid 5 yr term remaining. I can overpay as much as I want but am not in the position to do so as have a baby and am having to find childcare each month. I have used the snowball calculator…
-
What have you spent today - Tues 6/6/06
Well it's really, really early at the moment and as I'm Bright Eyed and Bushy Tailed..er...not....:p I thought I would start the thread off....hooray...:D I need to get some bits and pieces from the Co-Op today along with some petrol and perhaps a really nice Danish Pastry and ..er.. well I will update this later... :)…
-
Statutory credit report, conflicting facts, CCA1974 or DPA1998?
Hi folks, I'm applying to the big 3 for my paper credit report as is my right under the Consumer Credit Act 1974, with the statutory £2 fee. However, after downloading the templates Martin has provided, it says the request is made under s. 7 of the Data Protection Act 1998. I did search the forum and am finding conflicting…
-
Random money appeared in my account
Hi All, I was double checking my cahoot account to make sure that it was this wednesday that my loan came out and my savings account has £134.89 in it! As you can see from my signiture I have yet to put any money in, so where did it come from? Can't work out what the description means so emailed them to check it should be…
-
Double Standards
Hello This is a great site & i have finally decided to make my first post. However before i post details of my dire financial situation. I would like to know your opinions on something that really annoys me. On the websites for Payplan/CCCS it states they are supported & funded by the credit industry. Payplan actually…
-
debt management warning
:eek: Hope this is in right place. Before I found this thread I started a debt management programme as just couldn't keep borrowing money from one place to pay off another. One of the debts is a cc with nationwide, well I opened a saving account with them in december to put money into that I was being given for my baby to…
-
Yah Co-op paid up
Just had some good news peeps, with all this talk of refunds, I rang up Co-op after ignoring my letter before action and they have just refunded me £40 !, ie all the charges on card. My first win. Now I need Barclays to cave and then I can start on First Direct and Egg
-
opened a new bank account toad..just for 20ps and £2 coins
opened the account with HSBC today. its an instant access savers account and im gona deposit my weekly savings in each week!! myself and a friebd are planning a uk hol next year with our girls so with that and saving for furniture for new room at home its a challenge!!! first dep gona be monday...watch this space!
-
Opening a New Account ~ New PayPlan Customer
I've just signed up with PayPlan, after many months with head in sand, and they have recommended that I open a new bank account. My current account is with Barclays, and as I have an overdraft, Barclaycard debt and Masterloan debt with them, they are able to freeze my account and recover their money - should they wish to…
-
My day in court tomoz...terrified!!!
I Filed my petition with the court today and have got an appointment for tomorow morning to see the judge!!! I realy am terrified about what happens, I had no option but to go bankrupt, the creditors won't wait and the bailiffs knocking at the door is driving myself and my wife insane, I just want my life back and this is…
-
I Miss Moozie & Kathfisch!
Just wanted to share that. If you are reading this ladies, let us know how you are! (Maybe I am missing something & they posted to say they were going on respective holidays or something...? If so I missed those posts!)
-
How to tell when you've cleared a credit card...
...the CC company bombard you with loan marketing! Having transferred my Mint card balance to the latest in my string of 0% CCs I'm getting so much marketing info from them. Today I came home to a £25K consolidation loan offer. Makes me so cross when there are vulnerable people out there. Fortunately I'm now a DFW and put…
