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Quick Q regarding bank charges please
Theyve written back to me saying their charges are fair etc Can i write my stage 2 letter to them now or do I have to wait 14 days thanks in advance
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What have you spent today, Tuesday 1st August
Hi all, it doesn't look like this has been kicked off yet, so what's the damage today? For me it's £2.70 on a Latte and a buttered scone at lunchtime (extra to my packed lunch :o ).
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How an IVA with Payplan works
I thought it would be good for me to share my knowledge of how an IVA with Payplan works. Please note that things can be different in different circumstances. Also I DO NOT know how these things work if you have any large assets such as property. I suggest to everybody that you speak to either Payplan or CCCS to talk…
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I Got The Job!!!
Hi Lynz and all of you who have been folowing my threads , living on £90 a week , £25 k of debt, hubby off work with health probs etc etc , listening to me moaning , giving me support , thank you anyway missed mortgage and panicked, applied for a secured loan on house, refused , contacted one of the 'quick sale' companies…
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Paying back debts are crippling me :S
Okay - basically, the debts that I am paying off are really haing a massive affect on my life - I rarely have a penny left over after the debt paymants come out, and thats usually 2 days after Pay Day!! At the moment i'm paying off Capital One - Through Capquest - £250 a Month HSBC - Through MCS - £75 a Month HSBC Visa -…
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The say something nice about yourself thread.
After a very tough day on the helpdesk i need to cheer myself up, so i thought id start this thread so we can all say one thing a day that we think is good about ourselves to get us through these hard times ( ido this mentally and it is quite a boost, after a week you feel like a god!) For me today ive worked hard despite…
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What Should i pay off first ?
I have a few store cards, a loan and two credit cards to pay off, and also a £1500 overdraft - my first thought on my becoming Debt free is to throw any extra money at the highest APR items first, but now im wondering if i should pay the minimums on the cards etc and leave any extra cash in the bank in an attempt to pay…
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Unsecured loan to pay CC debt??
I have been lurking on the board for a while and the advice of the members has helped and inspired me tremendously.Now I'd like to ask my own question and see what advice comes back. I have approx £6600 of CC debt split as follows £1974 Halifax 0% til Sept 06 then around 15% £399 NatWest 0% til Nov 06 then 15.9% £4235…
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My first week without using credit. Feeling pleased, but skint.
This week is my first week without using credit cards!!.My first monthly payment has been made to Payplan (only another 108 months to go)and I can see how my creditors have being paid, online. This is comforting as I was unable to manage this on my own. I have been 2 days without spending any money, but this is because I…
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is it worth it
Is it worth it I have the possibility of a new job starting in sept but the question is the pay for the new job is a lot less than what I have earned before, but there is a much better wages and job prospects after I have been there for a year. My question is is it better to have a year were I would be low paid and then…
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about time for a re-visit
Hi all I haven't posted in ages and have just been shopping in Next in my lunchbreak so thought I had better get back on here fast!!! I bought a pair of trousers last week for £15 (had been £35) and today bought a jumper for £8 (had been £35) and trousers for £10 (had been £40). My mam says 'oh that was a bargain' and at…
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Accurate SOA - My first effort was weak!! Help Apprciated
Hello, I posted this earlier today, a few people pointed out a few problem with my SOA - thanks for that. I have had another effort and am confident that this is pretty accurate. Again help desperately needed - and appreciated: I have had a look at the various options and really don’t want to face bankruptcy. As I…
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Helping my Partner
Good Afternoon, I've recently been through my partner's finances so that we could plan our future and actually make the things we want happen (engagement, wedding, new home, holidays etc). I'm actually seeing the light at the end of the tunnel with my debts as I should be totally debt free by August next year. However my…
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stupid electric companies argh!!!
well after getting thouroughly hacked off with scottishpower (usual story estimating bills despite getting actual readings, big debt uilt up by end of year yet no contact from them to say so!) i did uswitch then quidco to transfer to british gas. fair enough, not gonna save me much but at least scottishpower have been told…
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can someone help me - bank charges
hi there all right im finally getting round to completing my Court alocation questionaire does anyone have any details about what goes in the box about "other information- in the space below set out any other information you consider will help the judge to manage or clarify the claim, includinh any orther information you…
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Whats a schedule of charges please
Im just doing my second letter relating to bank charges. In total they have taken £90 in over limit charges. I know this by checking back on statements. I need to do a schedule of charges as well can anyone please tell me what on is thanks
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MeestaDimples SOA and SOS!
Hi guys, After years of burying my head in the sand, I cannot cope any longer with the anxiety I feel when I think of my debts so have come here for help and advice. I made the mistake of consolidating debts 3 times which has pushed my total debt through the roof. At the time I thought consolidation was my only option, but…
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New job
Is there any way of finding out how much tax and national insurance that has to be paid on wages :D
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Terrible situation - advice desperatly needed!
Hello, Firstly apologies for this very long post. I figured that the more info I provide the more likely it is that someone will be able to give me some good advice! As with most people’s posts that I have read this morning on here, I have had a really bad day and woke up to the fact that I’m in a HUGE mess with no way…
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My SOA. Any suggestions?
Hi everybody. I joined the forums about two weeks ago and have been browsing the main site for much longer. I've now got around to doing my SOA. I'm not too worried about my debt althogh i was brought up in the "Old fashioned way" of if you don't have the money don't spend it! In my adult life i've gone off the beaten path…
