-
Credit report
Hiya, I'm a newbie to all of this....and just about managing to pull my head out of the sand after way too long. :eek: I registered for the AnnualCreditReport site and am a bit confused to see only a few of my debts listed on there. I'm having letters from a creditor chasing me for the outstanding balance owed to…
-
Help! Father Died And left Unknown Huge Debt
Been awake all night thinking about this and wondered if someone can give advice. My 76 year old dad died from brain cancer on Monday and the (small) family have just found out that he left a huge debt of nearly 50k on credit cards and bank account, most of the debt seems to be on credit cards. He really did not share any…
-
Going Bankrupt After Working For The Insolvency Service & My SOA
I have been reading this forum for a few months now, and finally joined last month. My situation is a bit unusual in one respect but so similar to many people on this board in that I have £28k worth of debt. I guess I'll post my SOA first so you know where I stand :) SOA; Incoming Incapacity Benefit - £95 pw (£411 pm)…
-
Nationwide court action
Does anyone have experience of Nationwide and court action. Have £1200 od on flexaccount which is one of the minor elements of our debt, which in total is over £200K:eek: . Most other creditors have accepted offers to pay of about 0.5% per month via Payplan, and all had been quiet with nw for about 4 months when today…
-
Evil bank rant..
Yesterday on my way to work I had the unfortunate luck to use a evil cash point which ate my card for no reason what so bloody ever!:confused: So I get to work, call the bank, sit and listen to crappy music for 3 hours (slight exaggeration maybe) get passed from the “wrong” department to the “right one” and gave them the…
-
How Long can creditors 'chase' you?
Hi all! Does anyone know how long (from the original date of default) creditors can keep 'chasing' you for outstanding debts? Is there a legal time-frame??? Also, I'll be moving to the states in 2 months time to work for 2 years - so what do I do about my existing creditors that I still owe money to? I currently live with…
-
Sat night slumber party!
Ok girls & boys thought it would be nice to have a slumber party sat night so we can all chill as people seem generally to have had a less than great week!! Order of the day is face packs, doing nails (yes guys you can too altho may now want to admit it!!) good dvd, glass of something :beer: & a bit of chat - all DFW style…
-
Today I have spent....
Ok, so the usual 'what have you spent today' thread seems not to have been started yet, and it's nearly bedtime! So I propose a change of style. We've recently been talking about having one thread which just carries over each day to save some space on the board, so perhaps this could be it? I'll start it off, and if you…
-
job loss and deep debt...
I'll try + be brief..husband started own co 5yrs ago, they were stitched by a huge firm who had v clever solicitors and didnt get a penny. we lost around 50k plus had remortgaged. last 3 yrs, since that happened, he has had jobs but they were all contract based so came to an end. he was lucky enough at the time to get job…
-
Nothing to do with debt, but may make chuckle... we need it !
Ha Ha Ha.... This is real.. ( i do know its not about debt, but sometuimes we need another thought now and again !) Some may know my experiences with being a publican... but I still read the trade rags.... They have actually thought about banning drinking stading up in Preston... OMG what will nanny state think of next !…
-
Help - Bank Charges
Hi guys, I need to offload as I'm fuming with my bank. If you can lend a helpful ear that'd be great and if you've got any advice please help me. I logged onto internet banking today to find a note saying that on the 8th Aug the bank will be applying £69 worth of charges on my account (for two dd's over the o/d). I have…
-
Extra work
Only 2 paydays left until im debt free. Woohoo!:j However. I want to get myself transport for work asap. I was going to get credit again for this via my Dad but wisely got talked out of it. Was only last week or something. Some of you may remember. I have decided just to save up. I aim to sit my motorbike test (~£600) then…
-
A healthy thought pattern?
Am I the only person to put their debts in to categories? I've got 3 boxes in my head. Short term debt box that I can pay off over the next month or so - thats the overdraft for me. Then there is the box that is the middle term debt box- for me that is the loan. Then there is the looooong term debt box that feels like it…
-
Dilemma for business start up
To be very brief I am £21K in debt from an unsecured loan, £8K in debt to Student Loans Company. The debt was incurred from a previous relationship which ended in January 2005> Unfortunatley I had slipped up and had the loan made in my name. Originally it did start in joint names though. I then got made redundant from a…
-
Admitting how much debt you have
Im curious to discuss whether there are others on this site who feel unable to write up the full extent of their debt in their signatures Ive been interested to read various threads as to how people got themselves into and out of debt and I feel that Im making inroads into dealing with my debt and i see it coming down…
-
basic bank account with the co op
just how do you go about opening one? i like the idea as i can get an electron card which would be usefull i have the nationwide basic but its only a cash card
-
Just picked up cheque
from the post office, Natwest paid out for my bank charges.... woop woop :j , i can now pay off more of my CC and close that blasted account!! Hooray for friday and good luck to all those still trying to get their charges back!
-
Slippery Slopes
I haven't been on for a while and its showing in the bank account! :mad: I have been mooching around the boards but havve not added anything for ages. Having bad day as checked bank and am back in overdraft although not as far as I was. I know a lot of that is down to everyone here and alll their little tips. I suppose I…
-
Weekend is almost here!!!
Yay 2 days off work, and an evening in. This weekend I will be: Sorting my room, its a bit of a dump after my shredding spree of all my old papers, also clean out more unnecessary junk, clean tidy room, clean tidy mind! Keeping myself Busy with my various projects Playing cashflow 101 (bloomin addictive) Need to start…
-
Car Loan - Moan
We took out a car loan 12 months ago of £8550, dont know the interest rate but its HIGH. we just rang the loan company to ask how much is the settlement price and they said £7580 , well I dont know if this is good or not ? We have mananged to save £4500 and we dont know if its wise to open a new loan of £3000 to pay off…
