-
Interest Rates set to keep rising?
just been reading this! My mortgage is on a discounted trackers which means ever 0.25% rise equated to £16 out my pocket! maybe a fixed is worth looking at! what do you think? http://news.bbc.co.uk/1/hi/business/5250250.stm
-
Credit scoring/rating
Hello, I am new here but have been readin lots in the past couple of days. Is it true that if I miss a credit card payment then it will be shown in the credit report and will affect me badly ? And how long will this bad mark last? Do they wipe out after a while? After reading lots of pages here, I feel my situation is not…
-
Those with secondjobs
Hi All Question came up at my second job last night around holiday pay. It materialises , that I have 46 hours holiday pay to come. I cna either take time off with pay (no tips though) or take the money. I am probably goign to use the holiday , as I have a few other jobs (private things) that may clash soon. So if you have…
-
DMP question.........
Hi everyone, this is my scenario- currently on a DMP, own a 1 bed flat and could soon be hearing the patter of tiny feet!, where would we stand with the DMP if obviously we needed to sell up and purchase a house? Best wishes Luke
-
MyCashPlus - Can anyone clarify charges?
I currently have a debit card, but I have a feeling that when I try to reclaim bank charges I might lose it. I desperately need a debit card to pay for stuff online, so was considering getting a MyCashPlus card - that way I'm not borrowing / no risk of going overdrawn, so it will help with the DFW mentallity too :) The…
-
The £60 per month challenge
my friend completed store cupboard challenge and at beginning of aug just bought enough stuff for 1 week. some time later someone started another challenge- basically live on £60 for whole month for 1 person. my friend now wants to do this and wants to know what spending if anything she can ignore-it seems to include food,…
-
IVA - 6 month rule re not increasing debt. Anyone know about it please?
I have just spoken to Payplan about starting an IVA and the adviser told me that there is a little known rule that you can't have taken any credit in the last 6 months before going in to an IVA. This is a problem. As I cant afford to repay my overdraft the interest charges are adding up and I am now told that this will…
-
Inland Revenue Nightmare!
Can anyone help me I am having an income tax nightmare and I dont know what to do! Sorry this reads like a chinese puzzle but if there are any MSE brain-iacs out there on a sunday morning, I'd really appreciate your help. In February of this year the Inland Revenue took 80% of my pay from my main job in tax - that was NOT…
-
ive had a tax rebate!!!!!
just received £225 for claiming back washing of uniforms,socks,annual subscription to union and reregistration fees!!! so come on claim today!!!!! if in RCN (nurses) call RCN direct and they will send you out the forms!
-
Goals for week commencing 6 August
You'll find last week's thread here I've had a mixed week. I set fewer targets than previously, and that's made me feel a bit better. So it might be time to up the stakes a bit. * Carry on with spending diary, get weekly spending below the £100 mark -- Failed. I was nudging the £99 mark before I went out last night. Total…
-
school uniforms to buy?
I have two £4 off £20 spend at Sainsbury's back to school range vouchers collected from sainsbury's non-bio powder. If you would like one, please PM me with your address. I'll send one voucher to the first two of you early birds to respond. Please only respond if you are likely to use the vouchers, so that they go to…
-
newbie SOA!!!
Hello hello! I'm Neeky an Aussie living in the UK (oop north), happily married, beautiful 1yo daughter and some debts!! Have had the lighbulb moment and decided to get cracking on debts. Background Naive 21yo arrived in UK after living in Sydney with parents and having no money know-how. How bad was i? ummm well I put…
-
Help! Don't want to consolidate again.
Hello all! I have been reading some of threads on this board over the last few weeks and I have finally had the courage to work out exactly how much debt we have and look for serious solutions to our problems. My OH and I have a very bad relationship with money. Both of us are on our second marriage. Both of our first…
-
help
hi it has taken me several months of visiting this web page to do this. I haven't yet done a soa as i feel too scared to look at my finances - i feel physically sick. I know they are not as bad as some but i am worried that i will just find out that we don't have enough money. i returned to work after having my 1st baby…
-
Standard life ?? Value today
. Where can i find value today to calc. my windfall?? .
-
please advice
has anyone heard of a debt managemnet company called payplan that doesn't charge for it's service like cccs please if anyone knows if there are the real thing let me know
-
I'm in a right pickle
Hello everyone! A bit of background first, I'm a 20 year old student with 2 years at uni left. I am the oldest of four children. 3 years ago my dad left us, I have 3 brothers now 12, 8 and 5. My mum was a total mess and lots of stuff fell to me to take care of, including my brothers. I organised her accounts so we could…
-
6 year old debt help
I have a debt that I haven't paid since August 2000. I have received approx 3 letters from different companies since that time, the last one being from approx a year ago. I responded to NONE of them. Today I received a 'postcard' from a company call Hunter Forrester & Co which are based in Worcestershire which says...…
-
Ideas for earning money, part time?
I am trying to find a PT job to reduce our debts a little bit faster! I work Mon-Fri normal office hours at the moment so could work evenings/weekends. I'm not overly keen on bar work/waitressing, and they don't seem too keen on me either, I think I am too old! So I am looking for inspiration for other ways to earn some…
-
Are my calculations correct?
I was reading through moozie's "To scared to work out what I owe" thread earlier and I came across some advice from Southern Scouser about how you calculate how much you owe on a loan. I took a loan from my bank 12 months ago for £20500 over 60months at a rate of 17.7%, paying £502.97p/m. I am going back to the bank soon…
