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Cant get my act together.
Hope you don't mind me having a moan on here but feeling quite hopeless at the mo. I just don't seem to be able to get myself organised to deal with anything - money, housework - anything! Have been lurking on here on and off for a while and find it really inspirational the way you are all dealing with stuff. Trouble is,…
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Question about claiming back bank charges
Hi I was wondering what the position is with claiming back bank charges if you owe the bank money through overdrafts / credit cards. I have yet to do the calculations but have a feeling that the Yorkshire Bank could owe me a fair bit. However, as I still have a £500 overdraft with them and owe £10k on a YB visa card, I…
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Can anybody help us???
Income every 4 weeks: OH 1088 Mine 600 Child benefit 112 TAx credit 280 Total: 2080 OH Expenditure: Bill amount Halifax Loan 221.71 life ins(norwich union)20.23 tv licence 10.99 Sophie Nursery 260 Northern Rock 358.51 electric 30.49 o2 35 council tax 96 sky 18 gas 30.5 AOL 15.99 Petrol one pm 200 water 32.38 car ins 43.72…
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Any advice on Paragon Loan charges
Hi guys Just received a statement I asked for as I want to remortgage. Paragon have sent me a statement from when we took out the loan - there is a massive amount of unpaid DD's (they were paid a week late) then loads of charges for £25.00 for each one - also arrears letters charged at £10.00 a go, arrears telephone calls…
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A Q about defaults please
Hubby has a catalogue debt a few years ago. He was late with one payment then got a snotty letter saying youve missed the payment so we decided to pay it all off there and then job done. Weve now discovered that theyve given him a default in 2004. Hes never had a letter saying this. Has never signed anything relating to…
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Ndr - Littlewoods..
Arghhhhhh just on hold to them at the moment, feeling rather sick. Owe £341.17 with them and have offered them £300 to close the account. ......... Ooo there back, they did it ! Got everybodies names and a confirmation in writing, so its all good ! Finished with them for good !! yippeeeeeeeeeeeeeeeeeeeeeeeeee
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Default Question
I have a question about when a company can put a default on a credit file. Some years ago my wife had a credit card (prior to us living together) and she had stopped paying it due to a change of address. When she was approached by a company acting on behalf of the creditor, Meritforce, she made a payment arrangement in…
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Not doing well becoming debt free
things seem to go from bad to worse here. in July eldest dd went to france, as well as paying for the trip which was £200( paid over 6 months) we had to send her with clothes and spending money, in total around £150 out of our low monthly bubget. Plus nearly £100 on the boys swimming lessons. Ok i know they were coming up…
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Result!!!
Hi all, I felt really bad on friday cos had a takeaway (£20 for 2 people) knowing I had to buy some shopping on sat. Anyway I bought my shopping and a £1 scratchcard so total was £12.36. Got home and unloaded the shopping and scratched away at the card - result I WON £12!!!! so my shopping only cost me 36p!!!! I still felt…
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wishing my life away
It's payday on friday (early because of the bank holiday weekend) and I'm wishing the weeks way till payday so that I can make payments off the credit card! I feel :j when I pay £200 off at the beginning of the month, but then I have a downer waiting for the next payday for a "debt payment fix" :o am I getting addicted to…
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how much have u spent today 21/08/2006
well i was hoping to have a no spend day today but ive got to get Sandwich ham and bread :rolleyes:What about everyone else?
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How stupid am i??
Hi Everyone, Not sure where to start really so here goes!! I used to have debts of approximately £10,000 with various CC's loans etc which i managed with the help of the wonderful CCCS. However myself and my partner re mortgaged earlier this year and i was able to pay off most of my oustanding debt :j I left myself with…
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MY UPDATE and a question on car finance
:confused: sorry guys ive been neglecting you its been so hetic here, anyway here is my sort of update a few months down the line its getting better the only letters comeing through the door now are barclays who just wont accept anything but full amount, last letter recieved was from a soliciter saying it was going to…
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Right, I think this is what I am going to do
This is my debt diary, tend to edit instead of post. GE Money £4,500 0% until September 2007 Charge of £50 Barclaycard £2,800 0% until July 2007 Bloody annoying charge of £50, was not told by bloody operator :mad: Overdraft £0 To do: [STRIKE]Move Halifax CC to Barclaycard 0%[/STRIKE] [STRIKE]Move DD and SO to A&L bank…
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MBNA payment due tomorrow and I don't have the money to pay it
Hi everyone Due to circumstances beyond my control (family illness and money I lent to the family member who is now ill :( ) my already tight budget has burst it's banks and I don't have the money to pay my MBNA credit card this month. I called the "help line" on the day I realised I wouldn't be able to pay and spoke to…
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Beginning to understand
Hi everyone, I've just got to share a quick story with you- I entered into my DMP 6 months ago with just over 50K in unsecured personal debt:eek: Last week, I went to Prague with my Mom who is visiting me from Canada (before you all say anything-I used AIRMILES to pay for trip I got from my Tescos clubcard;) ) and had a…
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Deleted - sorry xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
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Ideas To Earn More Money!
Hi everyone Not sure if you can help, but I am looking for something I can do from home to earn some more money. I work 15 hours a week at the moment, but the other days, I have no childcare so need to do something from home. I have been down the Avon route so would rather avoid that type of thing. Any suggestions would be…
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What have you spent today, Sunday 20th August?
Hi did a search and couldn't find a thread on this topic for today, so have started one, hope no one minds... Don't know why I have since I've had quite an expensive day - spent £25 on a present! & £4 for the window cleaner! (yes I know I should clean 'em myself, but I'm so crap with ladders & heights). So, spent lots of…
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Bank Screwed
Hiya all. Im new to this forum. I just got Martins book this week from the library. So found this forum that way.(I have been giving his site name to everyone willing to listen for the past 3 days-people are sick of me) :) Anyway, my major problem is my natwest account. Its closed and Im paying of an overdraft with silly…
