-
Capital 1 customers - please read!
Hi folks, If anyone has a Capital 1 card & pays by DD I'd advise you to check that your payment has been received...I pay this way & this month also paid an extra £50 on my debit card. DD was debited from my account last Friday (4th August) and STILL hasn't reached Cap 1. Phoned them on Tuesday as I has checked my account…
-
Balance
so how do you balance what you should pay to your debters against things like kids holidays xmas ect ? I am with payplan paying a set figure a month it will take me many years to pay off my debt. Now i have some spare cash that i could pay to payplan (not much) but it wont make much difference in geting my 50k+ debt down…
-
Cahoot loan - pay off and close account?
Hi there... I hope someone can help me with this! We've had a Cahoot flexible loan for 3 years and are now (finally) in the lucky position to be able to pay off the remaining £700 in one go.... the interest rate has just gone up to 8.9%... do you think we should pay it all off and close the account, or pay it off and leave…
-
A Chronic Case of Overspending......
Hello. Ive been reading the posts on this board for a few months now and have finally gotten the courage to go through all my debts and work out my finances. I am ashamed to say that the sum total of what I currently owe is a whopping £88k. Im not too good with figures (evidently) but here is a summary of my situation. I…
-
complicated question...
My OH has about £10K worth of debt which is in the middle of arranging a DMP with CCCS. He's been charged unbelievable amounts of late payment charges and interest by all 3 credit cards (which is actually the reason that his debt has not gone down at all in the last 10 months even though he's paid about £3000!). My…
-
Switching, and Beware of Churchwood
2 and a half years ago, i owed around £20,000 and i was put on to a DMP company called chruchwood financial, who we nice on the phone, and said they would take £500 a month and pay my creditors, and i would be debt free in 5 years. it all sounded too good, and it was. i had tp may £500 first, for setup fees, and £90 of the…
-
Compulsive Gambling
Over the last month or so,a number of people have visited this site with debts due to gambling.Once upon a time you had to make an effort to gamble like visiting a bookies or a casino.Now,for anyone with an internet connection, can gamble from the confort of there home.A couple of days ago Martin made a post regarding the…
-
Capital One- make u laugh!!!
Well i have just had a call off Capital One and thought that it had to be posted on here!!! The man starts by saying you are £100 over on your visa and havnt made a payment i said yes, he then says you have also sent in a letter re charges to which i said yes. He says well we have refunded £40 and your not happy with that,…
-
Hi from a nervous new dfw
This isn't really a new thread but more of a hello from me to all you really nice sounding dfw's out there! I have been receiving mailings since early July and when I read people's threads I am overcome by all the positive, non-judgmental and helpful responses- particularly noticeable from fishface69, southernscouser,…
-
Costs of Things Using Electricity
I wondered if anyone had an up to date idea of how much things cost to run? I used to have a great list (can't remember where I got it from now though - d'oh) which outlined approximately how much it cost to run things for an hour or per use i.e. tv for an hour or a washing machine per load, a kettle per boil etc etc etc.…
-
Good news......
Hey all, Just thought I'd update you on my week, as after the car crash and smashed fish tank things are picking up! Sold two books on amazon today, within an hour of putting them on earning just over £10, 8 more to go, and despite having to purchase new fish tank, have done sums and it can come out of last couple of weeks…
-
HSBC Managed loan
<snip><snip>
-
Blimey - something good happened
Postie came this morning, armed with a bunch of junk as usual - one of them was from Inland Revenue - boo hiss I cried. Opened it up - it was a tax rebate cheque for 200 big ones, I apparently overpaid in 2004! How lovely! And that's nearly half what I'll need if the valuer suggests replacing my carpets tomorrow. :T
-
Some good news for my debt and a little advice please!
Hello! Well, subject to Beales giving me a store "approval" (on Tuesday) I was offered my new job yesterday as manager at Benefit cosmetics! The great things are that a) I've got a job b) it's in walking distance so will now save myself £45/month on bus fares and c) it's something I really want!:j The other good news is…
-
Where is Lynzpower?
Hi all, Where is our favourite DFW Lynzpower? Her usual sound advice is being missed my many!!! Come back soon!!:j
-
Progress report
Just to keep me motivated - here are the things I have done since posting my SOA in July: 1. Cancelled Lensplan - saving £27.50 a month. I have enough lenses left to last me 3 months and enough solutions for a year (!). Lenses will cost me about £12 a month after that via the web with additional cash back via Quidco. So…
-
Debt repayment vs savings
I've been on this forum for quite a while, but this is the first time I've bared my soul and posted my SOA, so please be gentle with me! :) I would like some advice on paying back my credit card vs saving... Basically I'm just in the process of moving my one credit card from Virgin to Natwest on 9 months 0%, but I have…
-
Bloody CapQuest.
I'd posted previously about my trouble with CQ - basically, I spoke to CAB who agreed I was paying them far too much pro-rata. So they got me to write to them to say that I had over stretched myself, and shortly with their assistance I would offer them a revised amount each month. I included a token payment of £50 (I have…
-
Reclaiming bank charges- Barclaycard
Hi there I recently wrote to Barclaycard asking for details of all charges over the last 6 years and included by £10 cheque . I have recieved a letter back , stating that all records prior to May 2004 are stored on Microfiche and that more than one customers details are stored together without reference to account number…
-
earnings/outgoings breakdown!
Hi All, as I mentioned in a previous post, I am trying to sort out my finances over the next year or so. A quick background before I give you my outgoing/incomings breakdown: I'm 23, engaged, living with fiancee. Left uni 3 years ago, set up own Music business. First 2 years slow, year 3 has been much better, hence now in…
