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Debt-free wannabe

Archives for August 2006

Protected trust deed advice
HI everyone! Firstly can I say what a fantastic site this is! Thank you everyone! I'm sorry if this is in the worng place, feel free to move it! I'm looking for a bit of advice about protected trust deeds, more to the point what happens after! I signed my trust deed 5 years ago, so it was cleared just over 2 years ago.…
AOL Broadband
Trying to save money on my SOA i looked around for cheaper Broadband and found AOL charge me 17.99 and new customers 14.99. This is not an introductory deal anymore. So a new member will pay 3 quid less than me per month for an old customer. I pointed out this is poor customer service and they finally said if i signed for…
now on budget i eat more healthily !
Anyone else noticed that being on budget means that you dont have exspensive and unhealthy takeaways and instead you make something yourself from basics which has little or no artificial preservatives etc in it. I now eat a lot of fresh food, and take the time to cook instead of micro meals.
my first week the mse way...
my first week the mse way.....and the more i do the more i want to do. Apart from petrol for work, ive spent about 2 quid ! And made about 150 from DFW methods (i.e. not work but ebay and other methods) !!! Also with all my cancelled direct debits for memberships i dont need reckon i will save approx 80 per month on top.…
Never been so happy to open a bill!
Hey all, Thanks to everyone on here i've been really analysing my spending ove rthe past few months, and over the summer decided to switch off my boiler (shower heats by electric and used saucepan of boiled water to wash up with). As a result I now have shifted my arrears and have CREDIT in my account! My gas payments have…
Remortgage or Struggle on....
I guess from the title you will know what my query is. I am interested in people's opinions on my present situation and options. I am in quite a fortunate position, in that I have a decent salary £37,500 (I work in central London, so it doesn't feel that much!):o . I have a £135,000 mortgage. However, I have £19,000 debt…
credit score
I have applied for a couple of new things just recently a credit card and a loan i know it is not good to apply for to much but i could not understand why i was turned down twice.I deceided to get my credit score from Equifax it said i had a low score because even though there was nothing to major there was lots and lots…
being skint gettin me down. willing to take pretty desperate measures now :(
hi guys, im a very very newbie. and im very fed up aswell! :mad: weve got a secure loan for 37000 and an unsecured one for 4000. our mortgage is just over 75000 and we have no savings. my husband works full time and i work part time as we have two children. we constantly have no money each month and are at our over draft…
What DFW Actions Have You Taken Today?
Evening all. I am feeling quite positive today. I got a CC balance from Barclaycard showing me I am £1 in CREDIT! So I have written to them instructing them to either pay the £1 to the account which has been feeding them for the last 9 months...or send me a cheque! I have also intructed them to close the account too as the…
hi, any advice on these guys please?
hi, I finally bit the bullett today and called my main creditor to arrange a payment plan. Needless to say they refused it and then started to rant and threaten to send in bailiffs to take away my posessions and kids beds etc...etc...:rolleyes: so, i rang a company called *debts uk*. They have said i need an IVA. The…
£160 for food a month
I would like to stay within this budget each month, how do I do it? I'm such a take-away junkie, and I love my Starbucks coffee. Anyway, I've decided to ditch them and opt for a healthy diet of fruit and veg and fresh fish but their so expensive. Where do I start?
Getting me down!!
SOA Monthly Income ( Part Time 11.5 hours pw ) Trying to find another job. £232 Monthly Outgoings Benificial Finance £53.73 APR 38.9% Ends December 2008 Bus Pass £42.75 Barclaycard £11 Balance £400 Cineworld Unlimited Cinema Pass £10.99 PC World Finance £28.26 Apr 29.9%? Ends December 2009 PC World Finance £7.59 APR 29.9%?…
Any help welcome
Hi, everyones been so helpful to others with great ideas to save money, so Ive decided to post my monthly SOA to see if any of you can help me. Incoming ~ £975.80 (take home) Outgoing - £40.00 ~ Credit card (minimum payment £5) £44.19 ~ Bank of Scotland £85.64 ~ HFC loan 1 £49.98 ~ HFC loan 2 £100.00 ~ Mum (Owe £700 so…
Basic Bank Accounts
Hello Just got some info about Lloyds-TSB basic bank accounts & noticed in the small print that the cash card they provide can only be used to withdrawl cash from their own cash machines. Are all basic a/c's like this? As i do not see the sense in this as surely all cash machines are linked. I can't think of anything more…
HSBC and DMP help needed
I've done a couple of similar posts to this before but I'm getting very confused and teary about it all today. I'll try to write this as clearly as possible and really appreciate any advice anyone has... I have a £15,000 loan with HSBC (£11,500 before protection) and a £300 overdraft facility which currently has £13 odd…
Ebay Help!!
Not sure if this is the right forum but the advice in here is always brilliant so here goes!:o DH & I have used Ebay in the past to buy & sell various bits & bobs on a fairly irregular basis. I had a call from a DCA calling them Justicia something or other saying that Ebay have passed a debt on to them and they wanted £50…
the lowest iva accepted with loan and credit card companies
having probs getting a 14% iva accepted and have been told that some companies are only accepting 30% on all IVA's. This seems to contradict what IVA's where set up to do...aparantly each case is supposed to be looked on an individual case and judged on its merits....and so if the big clearing comanies are saying a blanket…
Dating on a budget!
A couple of months ago I started seeing a lovely guy and things are going really well, yay! :j The thing is he earns a lot less than I do (less than half) and sometimes struggles to make ends meet. I have of course, introduced him to the joys of this site, he's well on the way to becoming an addict like the rest of us!…
Help with Boyfriends Debts
Situation so far: Boyf has accrued over £43k worth of debt since leaving Uni in 1996. This debt breaks covers 4 things – student debt, over-exhuberant living debt (!), share deal debt (shares lost value due to dotcom bust), share deal debt 2 (shares lost money due to 9/11 and fall in financial services stock). The…
Minor victory against HSBC
Just got off the phone to HSBC and finally got some sense out of someone. I logged onto internet banking this morning to find that they were going to apply £50 charges in September. I was obviously not very happy about that. Yes I know I can claim them back in the courts but that's so long winded. I called up their…

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MSE News

Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Debt-free wannabe

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