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Iva
hi everyone, Last night was the lightbulb moment!! This happened when i went to the atm and found yet again i was broke! so went home sat down and counted it all up , the debt that is , came to about £23800 :mad: . so what next i thought , ermm lets do a google and found tons of info on iva,s any good ?? is that the only…
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Spectrum Financial
Has anyone had dealings with this company. I am currently using them as my debt mgmt company but 6 mths into my informal agreement - there level of service is pants Interested in hearing from any others out there who have similar horror stories.
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lightbulb moment!
I have had my head in the sand for too long... I have had bills returned unpaid for a little while now and only talking to creditors if they themselves phone. There are days when I cannot afford to go shopping. I wake up at night thinking about it. And yet at I am typing this out on my Apple G5. I have just had my morning…
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ebay nightmare!
sorry i need to rant, last week i listed a sack full of my youngest 0-3 months clothes i toted up £500 worth anyway i was asked by someone if i would ship to germany so i weighed it up putting it all into a refuse sack, well thought no more of it until the following morning i went to take it all out and wash it ready as…
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Lloyds just wrote to me
and although they haven't accepted my reduced payments they have frozen my interest as a "goodwill gesture".I'm happy with that :)
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am i the only one.....
who hates to see odd pence in their current accounts? it really annoys me :rotfl: i have online banking with natwest and i have two accounts (a spending and a current account) i then have seperate savings account with ing direct, but as soon as i was allowed an isa (with natwest) i opened one, now if any of my accounts…
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Which direction to attack the debt? Advice please :)
A few years ago, we were in major debt (over £30,000, plus small mortgage), but we managed to clear it with some serious renegotiations (thanks to the CCCS help pack) and the (unrelated) sale of our house :j We've kept things under control since then, until the last few months - a couple of store cards taken out with the…
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How much have you/will you spend today?
I am planning on a no spender today to make them two in a row :beer: Raining and totally miserable down here so staying in with some DVDs and lots of hot chocolate and cookies I baked yesterday :D Have a great one everyone! :j
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Do other 'Singletons' find it easier or harder to become Debt Free?
After listening to Martin on the Jeremy Vine show yesterday and reading some posts here, I started to wonder if it is easier to become debt free if your single ? On the one hand, if your single you have total control of your income and outgoings but the downside is you are managing with only one income and also no-one to…
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Money claim online for bank charges help needed
Hello I have reclaimed my own bank charges but none of these went to money claim on line I was lucky, I am now helping a mate reclaim his charges and we have just filled out the money claim on line form and paid the fee Is there anything else I should be doing - I thought I read somewhere we need to send copies of…
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my story!
ok, just wanted to tell you all how ive repaid my debt! (hope this is the right place) i got into alot of debt back in 2004, and realised there was a problem in august 2004 (just over £19000 in a personal loan and £2000 on a credit card (limit £1800) ) i was in a relationship with someone who just spent and spent, and i…
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And I was doing so well! I'll be in a mess now
Hi xxxxxxxxxxx
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What have you spent today- Sat 26/08
Couldn't see usual thread so thought I'd start it off.
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Another bank charges thread..
Ok.. a friend of mine has asked me to help her reclaim bank charges for her but i'm not exactly up on it all. After looking at some of the sites it seems easy enough, request the statements, write the letter demanding the money back then take them to court etcetc. She's applied for her bank statements and received them -…
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What makes me sad
just been sitting and thinking about this for the last 20 mins...also spent 10 20 mins or so reading on the loans and creditcard boards You can allways tell sometimes when people are pre lightbulb and in so much debt they are trying to take out a big longterm loan. So wish i could force them across to this board and give…
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Money budgeting Software
Hi, Does anyone know a program that can help keep track of your montly spending. I have been using a Works Spreadsheet, but I have errors in it and its confusing us. What I would really like is A list of possible outgoings, that I can tick of when they get paid. A amount of how much we can spend to stay within budget? Any…
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finally opened those statements...
hi all, thanks to you all i have finally opened those bills and statements ive left at back of draw unopened:sad: some of its interesting NOT ! :eek: But i now feel in control and will shortly post my SOA up here. If im careful will be able to pay off fairly soon - i could always afford my monthly payments but it depressed…
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I Got My Bank Charges Back!
All £1,165.63! :j :rotfl: :dance: :j :rotfl: :dance: :j :rotfl: :dance: I'm soooooo happy I could wet myself! :rotfl: :rotfl: :rotfl:
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Cheap dog food!
Hi, Completely new to the forum but thought I'd save a great money-saving tip for all those with big dogs and small budgets! I used to work in the dog food industry and know this can help you to slash your feed bills without slashing the quality of your beloved pooch's meals! Let me start by explaining that most dogs in…
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MBNA have accepted offer!
After months of phone calls on a daily sometimes 2 or 3 times a day basis and 2 default notice letters I have had a letter from MBNA today. They are willing to accept my offer of £186 per month (not far short of my monthly payment on what was a £11,000 credit card bill before they added all the charges). They have also…
