-
Worthwhile Sacrifice.
Although i've been keeping track of every penny I earn and spend over the past 12 months, I'm not getting any further out of debt. There have been times where i've paid off a credit card or overdraft and then got stuck in the exact same routine of spending a little with the intention of paying it off in a weeks time and…
-
Who else is staying in tonight??
I'm feeling like a bit of a no mates tonight. Everyone is out in the pub (including the boyf) and here I am glued to MSE! Quick, help me feel like I'm not the only one who's being boring tonight!! Anyone?? ;)
-
Why is it so hard to stop buying papers & magazines?
I am trying to get myself out of my debt mess and worked out that every day Mon - Sat, for the past 5 years I have bought The Sun 35p (on a Saturday 55p) along with a local evening paper 37p and then on a Sunday I buy the News of the World 80p?, The Mirror 80p? and The People 80p?. I also get 2 weekly magazines on a…
-
DFW Bank charges: Getting list of charges from Head office or local branch?
I am going through the process of claiming back bank charges and 3 weeks ago wrote to Halifax Head Office for statements/list of charges for the last 6 years. I know that they have 40 days to respond and it has only been about 20 so far but I have not heard anything yet even though I sent the letter by recorded delivery. I…
-
I want to join the club!
Apologies if this is mentionned elsewhere and I've missed it, but I keep seeing people with "Official DFW nerd number xxx" in their sig. I want to join the club!!!! How do I go about it?:j
-
MSE just saved me £1000.00
:money: By having my lightbulb :idea: moment last month, two credit cards arrived this morning Amex red and IF which will both let me transfer my balances at a rate of 5.9% lob and 4.95% lob. Luckily I have been given enough credit limit to transfer all of my previous cards across. My previous cards were 14.9% apr and…
-
SOA - Help Needed
Help! I’ve been fire fighting for a couple of months but realizing my debts are not reducing at all, not really sure where to start, but here is my SOA, any help that can be given is appreciated! Feel like I am in a black hole of interest payments. SOA Monthly Incoming Salary £1445 Monthly Outgoing Mortgage £487 Loan £67…
-
Old records
I am not sure if i am posting this in the wrong place but I have a stack of old LP's and singles to sell and I dont know how to go about it. I have so many I dont think E bay is an option as it would take way too long. Any ideas on where to go with them. The recoreds are all Tina Turner, Stevie Nicks and Fleetwood Mac. I…
-
Compensation from the council??
Hi I have been talking to Lynzpower about taking this further, (thanks again), and wondered if any of you have any experience. I started work last july, i am a single parent with two children. Since then the housing/council tax benefit has never been correct, every month they send me an overpayment notice and they say i…
-
To ebay or not?
Hi, a little advice needed please. I've got loads and loads of clothes and toys from when my two kids were younger, plus boxes and boxes of books (fiction mostly, but some non-fiction too). I listed all the books on Amazon a few months ago and did manage to sell around 40 over two months, but then it all went dead and the…
-
which should i switch?
just a quick question guys. received my new account details from a&l. should i send my house ddebits to the new account? or should i move my personal ddebits and debt payments along with my salary to the new account? this way i get a better interest rate on a higher amount of money. thanks for any advice.:beer:
-
Life Assurance Policies
Hi can anyone tell me if applications for these would show up on a credit file. my partner and were going to apply for a joint one but Im worried that this will connect us financially. At the moment, we keep everything seperate because I have bad credit thanks
-
Claim back bank charges from NATWEST Advice please !
Hi I am currently in the processes of trying to get charges back from nawest. I have asked for my statement for the last 6 years, Not yet arrived. At a rough guess i think the charges might come to about 800 to 1000 pounds. My overdraft is £3300 :eek: , if i try and get my charges back and the bank closes my account what…
-
Bluezone DFW UPDATE
Hi guys, Just needed to rant I'm afraid. Trying to get money side of house etc sorted through solicitors with divorce etc and the assault case of other half assaulting me put back until 10th August etc. Thursday morning I get a phone call from a friend that my van has gone (2 vehiclles in the marriage - until things were…
-
Baliffs at our door this AM - and coming back - Please Help!
ARRRGH I don't know where to start, apart from this morning I was woken up by the intercom in our apartment and it was baliffs - but I don't owe anything! Please help! This all started about a month ago when myself and my partner got a letter from Bradford council requesting we pay £350 in long overdue council tax. They…
-
What have you spent today? 3 June 06
Hi all. What a lovely day (shame I'm working!!). What are you all up to this weekend? Spent £1.15 on a sandwich & crisps for lunch, but that should be all. Have fun everyone & save some sun for me tomorrow!! x
-
If I get an IVA (alternative to bankruptcy) - can I still get credit in future?
I was going for bankrupcy but some have suggested an IVA Will I still have to pay interest? Will it mean I can one day get a mortgage (say - 15 years down the line when I am earning and have paid off all my debts)
-
what to do about the AA?
Hi everyone, here's the deal, I'm currently on a DMP with CCCS, I recently cancelled my AA roadcover, I received a letter saying that as i cancelled my policy early, the AA want the sum of £149 immediately! I wrote to the AA explaining my current financial position, offered them £11 per month as payment for this but it…
-
How can the smallest things get you down
Isnt it strange how tiny things can get you down. I read messages on these boards about how people are feeling low starting on their journey and how its so difficult and i think, yes it difficult but so worth it. So anyway, tonight i get home from work and sit down with GF and we write our weekly shopping list, mostly OS…
-
ccj removal
if you are given ccj at your previous adress and you werent aware how do you go about removing it? do u contact court or the company.
