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Reclaiming Bank Charges
Hi all I'm in a mood to do battle and have sat down and estimate that about a quarter of my debt to Banks & Credit Card companies is charges and interest on overdrawn balances etc. My mission for the weekend is to write to ALL of these companies and ask them for statements showing the charges etc. I then intend to claim…
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Sorry, need some help.......(The student loans company).
I haven't been keeping on top of things this past 2 weeks due to illness anhyoo I shall get on with it..... Now, my DH owes the student loans company £6000 just about. This would have been deferred but he missed filling in a deferrment form (his loan is an old one). At the time we had been homeless, all over the place etc…
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Thank you Quidco!!
I also want to say thanks to whichever MSE poster I first heard about quidco from!!! Today I have sent off for 2 sim cards, earning me £40 in cash, and £35 free credit thanks to referrals etc. I have also changed my household insurance, saving nearly £1 per month (which isn't much I know!!) BUT earning me £65 in…
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Loan/CC calculator (with extra payments) - great for budgeting !
Try this link... http://nofieiman.com/repository/loan-calculator.xls Hope it is useful!:D
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Lloyds TSB Unfair Bank Charges
Payday so I have just submitted my unfair bank charge claim for £537. Do you think that it would be a good idea to send a letter to Lloyds letting them know I have taken action. Could this encourage them to pay any sooner, if at all? Also, has anyone dealt with Lloyds for this? What were they like?
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Where do I start??
Hi Everyone. The OH and myself are in need of some desperate advise. Ive tried to find out for myself but get very confused:confused: We have 2 secured loans which total to a monthly payment of £515.34. We did have various other debts which we counsoladated into a debt management programme and the monthly payment on this…
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Please can someone help me? I am at my wits end and this is getting serious!
Hello and thank you for reading this. I am basically at my wits end and cannot see a way out of the mess I seem to have got myself into. Basically every month I seem to spend shed loads more than my income without even eating properly or buying new clothes. Basically my income is £29,000 p.a which works out around £18850…
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Selling on Amazon
Hi everyone. I've piled some stuff up to sell on Amazon, but I have no idea where to start! Do you actually make money from it? After reading that they take off 75p plus 15% and I understand I have to pay some P&P does anybody actually make anything from selling their items? I'm probably misreading as I am very impatient!…
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credit expert problem
Hi, i just tried to get my monthly credit report from credit expert and my report is now "too big to publish on the internet"! :confused: anyways, this has resulted in me getting a full refund of the £49.99 even tho its more than halfway through the year (i stupidly paid cause if forgot to cancel free subscription...doh)…
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All These Good Luck Mantra Things
.......I would just like to ask you all to stop. It would seem that everytime someone else has good luck I get the complete opposite. Since reading about "money coming easy to me" and "money chanting" or whatever I've had nothing but crap happen to me! :rolleyes: The screen on my cars sat nav system has gone. God knows how…
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Extended Lunch
Did DFW take an extended lunch break today? I've got a gap betewwen 1.33 and 2.39 on my screen - where was everyone?
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August E bay Challenge.....
I have been reading through the threads on here and people seem to be more motivated when they are competeing (and my mam tol me its not the winning that counts lol!!) Well I have a credit card bill of £375 that I want to clear as soon as possible so I have decided to e bay as much stuff as I can this month in an attempt…
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what've you spent today - Tues 15 Aug?
Hope I haven't missed this thread elsewhere but here goes. Visit to tesco's for mid-week shop. This isn't normal practice but DS isn't feeling well and is off food so I wanted to buy some 'special' bits to tempt him. Also needed some ibuprofen to bring his temp down. Total cost = 22.49 - 6.60 in vouchers so £15.89. Now…
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how long before they have to right off the debt?
my DH had a letter this morning demanding payment for some mobile phone he had in 2000. I thought that after a certain amount of time they had to right off the debt?? It has been over 6 years and apparently they have been looking for us (not very hard if its taken 6 yrs). any anvice would be great, thanks
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Debt dodger
I need to know how to go about sorting out my debt. I have managed to dodge creditors for at least 3 years but feel it's time to get back on track and this means sorting the debt first. I cant ever remember who i owe money to. Whats the best way to find out this info?
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Pay Off Debts With Savings Article Discussion Area
This thread is specifically to discuss the content of the Pay Off Debts With Savings Article To discuss or ask a question about the article: click reply
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A dilemma - am I being picky/lazy?
For anyone who hasn't seen my ramblings on my diary, I'm working full time, am also now working for AQA and am signed up for 3 or 4 mystery shopping companies. With the AQA money I'm targetting myself to earn, plus the £5000+ in refunded bank charges I'm persuing, I'm hopeful that in 2-3 months, all my unsecured debt will…
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Update..
Just back in from Nationwide, had an appointment to open a basic bank account etc.. Then he said he'd have to do a credit search even though it was a basic account. I said NO!!!!! :eek: Is this right? I left the branch feeling sorry for myself.. I'm now looking for one i can maybe apply for on-line. Can anyone help? L xx
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Spectrum Financial Protection
Does anyone know anything about Spectrum Financial Protection? They came round last night and while we don't qualify for an IVA (we make to much - haha) they were trying to arrange an Informal Debt Solution - Single Payment Plan. I am a bit concerned as the lady was there from 7-11.30pm, was quite encouraging us to sign up…
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***please Help Me Sort My Debt***
Hi I dont know where to start so will just start with a ramble! I need help and advice urgently please. I am 24 and my OH is 27. We currently owe approx £15k on credit cards, £20k on unsecured borrowing, £33k loan taken out by OH's parents on our behalf. We have a mortgage in the UK of £153k on a property worth £150k! The…
