-
Advice needed about Insolvency Practitioners
Hi ok... I'm not personally in Debt but I do know what some of you are going through. I do however need some advice regarding my girlfriend. My Girlfriend has just told me how much she is in debt and I'm chomping at the bit to help her in anyway I can. After reading the printout of Martin's cracking debt guide on the site…
-
Help! I'm suing the bank to beat the debt collectors!
Hi all, well, in the ongoing fight against the bully tactics of the debt collectors I am now preparing to sue my bank for negligence (for not cancelling my card when requested, losing documentation relating to fraud on my account, never asking any security questions in branch, and for resending my cheque book and card to…
-
1st phone calls made
I can hardly believe I'm starting to face up to my debt problems after years of denial and hiding if theres a knock at the door. :( I signed up to get a copy of my credit report :eek: :eek: :eek: Made a start by phoning the court to find out how to mark my judgement as satisfied. Fortunately I'd opened the letter from the…
-
Debt-Free Wannabee Book Suggestions
As some of you will have seen on this thread I have provisionally agreed with my publisher that there'll be a debt-free wannabee book (all my proceeds to charity) written off this forum, to follow the soon to be published MoneySaving Old Style Book. Once its all agreed I will be employing a journalist to compile thread and…
-
So far so good....
Hey, Firstly just to say thank you to everyone who replied to my first post there was so many good ideas and encouragement so ive started on my mission to get rid of my debt! So far Ive lowered my phone tariff and have set it up so I can keep an eye on my minutes and txts so I dont go over (I cant change to pay as you go…
-
Foreign currency
In clearing out I have found smallish amounts of foreign currency ($30, €45) - but I'm not sure what is the most cost effective thing to do with them. I know I could take them to the Bureau de change but would be stung with huge charges and poor exchange rates so possibly not worth it? Does anyone know of anything else I…
-
Anyone else throwing their slippers at the TV?
Good morning everyone! Anyone watch spendaholics last night? That guy who was earning about £60 per week but spending about £3,000 per week?! (some weeks!) all because he had his dear old mother wrapped around his little finger!! They interviewed her and she was after sympathy - did not feel sorry for her one bit!! And…
-
sending second letter to HSBC re bank charges
copuld anyone help with the bit that about the interest? how do you calculate this? i am claiming back £228.50. all help will be gratefully received.
-
SOA-help/advice requested
Hi, following on from my job loss debt post of last week here is our soa, a frightening sight... mortgage=1800 for nxt 3yrs council tax=180mth gas=36 elec=30 water=19 tv=11 phone=83 car tax=360yr petrol=300 me-outgoings hsbc visa=4716.83 account od=1005 my car ins=35.21 oh car ins=40.48 home ins=30.60 visa payment=110…
-
advice on ringing bank about charges need a verbal prompt
ok my co op bank have really hit me hard this month! last month i couldnt pay a dd which im almost certain i cancelled online so it didnt go out the following month (changed it to a different account) but it did go through taking me over! ( the charges are applied on the 28th of the month my funds dont go in until the 1st…
-
Moving overdraft debt to better rate - credit rating impact?
Hi MoneySavers! I've regularly read this board but now I need some advice that I can't seem to find anywhere else. I want to know how long between applying for credit items is best to wait so as not to impact on your credit score. Here is my situation: I got about £4000 in debt while finishing up my PhD - I wasn't able to…
-
IVA Questions
Ive been reading through the forum and a lot of my answers on IVAs have been answered however there are a couple that I cannot find the answer to or have missed. 1/ Is there a company that will deal with the IVA over the emails and post. I know this sounds odd but i got rid of my landline and mobile and the only access to…
-
Is it possible... (DMP question)
Hi, I was wondering if I am on a DMP and my O/H and I went for a mortgage (but obviously use his salary to finance it) can we still have it taken out in joint names? I have an appointment with cccs on the 18th so I may be going down this route, please help! L xx
-
removing the temptation!
This morning I checked our bank account so I could see which DD had come out and which purchases other the weekend had cleared etc I was going to withdraw £20 today so I could spend it willy nilly on magazines and sweets:o (which doesn't help my diet) Instead I did an online payment to the Credit Card for £20:T and I also…
-
Get your head out of that sand!
If only I'd not buried my head in the sand for 3 years this could read 19th July 2008. Don't do it moneysavers, if there's nothing you can do to stop nosediving into more debt - Do NOT consolidate, seek help! There are other ways out! http://www.payplan.com/ http://www.cccs.co.uk/
-
Work donation demands help ......
In my place of work no one knows about my situation (i work in a finacial instatuion) When people leave they buy them a leaving present. as you know EVERY penny counts and thsi month 3 people have/are leaving and they want £5 per person for each person who is leaving. You dont need to einstien to work out that is £15. When…
-
Quick update
Not sure if anyone remembers helping me last week? Well I've spent far too much time snooping round the boards and gathering lots of snippets of info off everyone and I feel that things are finally clicking. I've listed loads on ebay, sold £45 woth so far with 4 more items ending in the next 48 hours. Just by srimping and…
-
I want to stop my debts getting on top of me (Newbie post)
Hello Everyone, I'm looking for some advice. After doing the monthly accounting of my debts for this month, I've found that my finances are reaching breaking point. I've had a rolling debt of some sort for about the last 10 years but it's only this month that I've really noticed how much of my salary is taken up by…
-
Any alternative to re-mortgaging?
My wife and I are planning to remortgage to get our unsecured debts onto sane interest rates, but before doing so I thought I'd ask on here if any other course of action was worth thinking about. Situation is as follows: Value of house approx £135,000 Total debts inc mortgage £107,300 Debt break down: Joint Mortgage -…
-
Savings Challenge Ideas?
Hi All I read a thread earlier today about a woman who was having a paying off a debt race with her other half. It seemed like a cool way to try to reduce her debt (i like a challenge and love competing in most things). I was thinking then how much i could actually save or how much debt i could pay off in a short space of…
