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Experian Report Help Please!!!!
Hi There about two years ago i received a default notice with regards to an RBS credit card i had, basically i got lazy and was stupid but i have since changed my ways. As soon as i received the default notice i called RBS and made an arrangement to pay which i have stuck to for the last two years and have never missed or…
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Seriously considering selling up and renting
thread delted
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Actually had a Collections Visit!
I actually had one, and I am shaking. I was good girl - from lots of threads and posts here, I did not open my door (I check ALL callers now before I open the door) and spoke to him through the Window. All I said was to put it in writing - he said he has - I mention No, not just for me to call you as I will not speak to…
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Top 10 tips for saving money / reducing debt
Hi all, Here are my top 10 money-savings tips, I hope this post can become somewhere where everyone will post their top 10 :j – ideally please keep it in a similar format to below so it’s easier to scan/read and maybe not as waffly as mine! This will motivate all other posters & hopefully some great top 10 tips can be…
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Brill news about my bank charges
Hi Guys The postmans just been and im wearing the biggest smile ever. Ive been reclaiming my bank charges and one for Studio cards and gifts I have sent them a single letter and hey presto not a cheque but £180 of guft vouchers through my letter box. Yes id have prefered a cheque but thats all my xmas pressies paid for and…
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Pre-paid Credit Cards
Does anyone have any information on pre-paid credit cards, please? I travel a lot, in my work, and do not wish to carry large amounts of cash (even if I had it). I did read, somewhere, that there is a pre-paid Mastercard, which is accepted everywhere that ordinary mastercard is accepted.
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Opening new bank account - advice please!
We need to open a new joint account after starting to sort ourselves out with the help of CCCS - had our session yesterday and now waiting for the pack etc. *STOP PRESS* It's just come through the door!!!!:T Are we right to look for a joint account? We are planning to embark on a joint DMP and feel this would be the best…
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DMP Newbies
Hi I know there are a few of us just starting on DMP's at the moment and thought this might be a useful thread to help each other through the first few months of letters, calls, acceptances and refusals :eek: It could be a place we can come and support each other, compare creditors decisions or just somewhere we can come…
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mortgage help!
a couple of weeks ago (before going to guide camp for a week!) I decided to sell my flat and pay off all my debts. I was relieved and at ease. We found a property to buy by accident in early July - as soon as we walked into we loved it. Our offer was beaten so we thought we had lost it, but I've come home to have my…
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UPDATED - Our Bankruptcy diary, now in Month 2
Right, Decision made, a few tears and heart wrenching decisions and its time to get the ball rolling. We have Got all the advice we need from our friends here -Thanks you The Insolvency service have been very helpful... So far Called the Bailiffs for an old council tax, she said, well we will still persue you... Yeah right…
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how much have u spent today 09/08/2006
i have another no spend da coming up today cos i dont have anything to pay for :D :eusa:What about everyone else?
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Lodger Advice please
I have been "offered" a lodger from my neighbour - never met him. My neighbours have a 3bed house same as mine and have managed to squeeze 3 lodgers in (dont ask me how!!) and have realised that they have too many. The one that would potentially stay with us would stay 4 nights a week and we would get £70 a week for this.…
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help, please; 21st birthday gift - DFW style
My daughter has been dating a lovely young man for a few months now and it's his 21st birthday in September. I'd like to give him something to mark the occasion but not only are we strapped for cash but I had decided to radically downsize birthday (and Christmas) gifts with family/friends this year and I don't feel it…
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Any Info on "Link"
Anyone know of a "Debt Management Company" by the name of "LINK".. they seem to have "bought" on of my Debts":confused: any info would be helpful Many Thanks..:o
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The come back ?
After a long lie off in debt free heaven I have come to my senses and realised that LLoyds TSB are having one over on me,£15 a month for a platinum card just cos it has AA cover on it, let's see what the net has to offer ? mmmmmmmmmmmmmmmmmmm RAC COVER £94 ,AA COVER £67.88, Green flag£59.85 pa why am I paying £180 pa for…
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Emily's Debt Diary
Hello everyone - yes I am still around. I was going to try and get a break from my debt clearing but I can't seem to switch off so I'm back!! :D The thing is that I think my 'clear a debt a month' idea has gone a bit stale and I seem to have grown a bit bored of the idea. It really did keep me motivated for six months and…
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75% of Debt Wiped off?
Hi guys, Whilst listening to the radio today I got the last bit of an advert. They said that due to new government legislation upto 75% of your debt can be wiped off and your interest frozen? Can somebody explain this please. Where's the catch etc? TIA Spikey
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What I have done since posting on MSE.
I thought I would write a positive thread to keep those who have read my earlier threads up to date, I do not post every day but I do read the forum every day. So here is what I've done since my 1st posting on MSE based on the advice from the site as well as all you great people. I have swapped to Alliance & Leicester…
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The Benefits System..is it just me or...
Hello All I would just like to ask who else is at there wits end with there local job centre or benefits office. My partner and I recently came out of work due to redundany in April 2006. We have been suffering at the hands of our 'Beneifts System'. My partner has worked no stop since being a school leaver and it 29 now.…
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My situation-Advice wanted
Hi, I have read this forum recently. I faced up to my growing debt two months a go. The story goes back 10 years. In 1995 after 2-years marriage my wife had our first child. Our daughter had some bad leaning and motivational skills problems and with no family to support us within 100 miles my wife gave up work. We lost…
