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Paying for dental care - help!
I'm skint, but I need some dental work done. My dentist charges are outragous, but have been with them for ages and don't really want to change - anyway, the nhs dentists in our area have a full patient list so will have to be private anyway.:mad: I've looked into Denplan which totally confused me, but one of my friends…
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DMP and Payplan experience?
Well after nearly going for an IVA with some company we have changed our mind and now going for a DMP with Payplan i cant blieve we didnt know about this before. I think teh DMp seems a great option as i know in 2-3 years time i can afford to go back to work full time and we can opt out of the DMP and pay our bills as…
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I need a number for HFC
I`ve had a direct debit suddenly appear for £34 to HFC and i don`t know what its for,so i tried to ring HFC and its initially an automated service and you need to enter your account number,but i don`t have one as i`m aware!!Therefore i need a number that i can actually speak to someone,can anyone help......i`ve tried the…
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Help! Letter from link financial?
Hi- last week i recieved two letters from link financial, one introducing them and another claiming a debt from a barclaycard (near £4000) has been referred to them and needs to be payed immediately. This is very strange as i have no debt, no barclaycard or even a barclays account? :confused: The surname on the letter is…
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I cant BT Next Directory acc
Hi My M&S &More card came today hurrah !! Ive bt'd my Virgin balance onto it but they wont bt my next directory account balance as its not a credit card, it needs to have the card number start with 6 but my customer number starts with UR. I thought I would be able to bt my next account. Has anyone else had this problem ? ta
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A little potential budgeting help please!
Hi guys, I wonder if I could ask for a bit of budgetary help. As you may remember (but probably not!), people on here were a great help a while ago, and eventually I contacted the CCCS, and with their help, I arranged my own DMP with Cahoot. As you can see from my sig, I am slowly making inroads (despite being a full time…
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Not sure OH has got the hang of DFW ways yet!
He went off to do weekly shop this morning. Now DD has been a bed wetter for quite some time so we have been using Dry-Nites. However she has now been dry for the last 10 nights so I said we needn't buy anymore at the end of this packet (3-4 remaining). However, reading the till receipt noticed OH had bought a new packet.…
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Help with real problem debt (credit card)not in my name
Hi I am new to this board and have been trying to find a way to ask for help with this for weeks. It is a credit card debt(company that deal with older people) in my mothers name, but she gave me her card years ago and I ran up the debt. We were all unwell and spent it on supporting my son. Just supplements doctors bills…
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Hsbc
Unco-operative and stupid in my opinion. They are unwilling to accept the offered payments on my Loan (circa £20,000), though also won't tell me what would be an acceptable payment. They are also diverting the money paid into my loan account into my current account. As there is no other activity in that account these days,…
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Online banking Allience and Leicester??
I would like to go onto online banking with A&L but it isn't like my other accounts, with a proper sort code and the account no is only 9 didjits long. can anyone help?:beer: I hope this is the right forum
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08708503492
Hi everyone, this phone number is getting on my nerves :mad: its calling me 4 to 5 times a day, i answered it last week and someone said "can i speak to miss *****", i said "im speaking" and then phone cut off, they have continued to call and now the phone just cuts off!!!!!!!!!!!!!!!!!!!!!!!!!!!!! :mad: ive looked into it…
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Fredrickson International Limited ?
Morning all,got a question for you,one of our debts is with the dreaded MBNA for 8500,MBNA have not issued a default notice yet and keep trying to get us to settle on a full and final before they do :confused: don't know where they think the money will come from? Anyway,this morning got a letter from Fredrickson…
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DMP or IVA?
Can anyone explain the difference and also the advantages and disadvantages??? Which would you recommend if any???
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Negotiating mortgage payment holiday
With Northern Rock & want to fund xmas buying for wife & 3 kids Any ideas how I can ask/persuade NR to give me a payment holiday for a month or 2?
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PM from JonTucker1 re gas bills?
Anyone else had these pm's from Jon at Georgetown Utilities.Com?
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Have I recently crippled my credit score?
Never ever ever been refused credit in the past 9 years but suddenly have. For the last 2 years 10 months; since the birth of my daughter. I have been paying off my partners debts from my bank account via DD and phone switch payments. These total around £200 a month, with no end date available from the companies moorcroft…
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My SOA review
Well, it has been 2 months since I did my first revamp of the finances. The debt is falling off my shoulders and is chipped away at almost daily (what a change :D ). I'd just like to make sure I'm doing all that I can on a monthly basis to help us become debt free. Some notes about our finances: I work part time now but…
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Unfair Bank Charges
I am in the process of trying to reclaim some severe bank charges (total £140+ last month for a few small transaactions taking me over my O/D limit - Not the first time I might add) I have used the FOI Act to ask for the last 6 years charges - they have replied stating that they will supply what they currently have…
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How much have/will you spend today Saturday 16/9?
Good morning fellow DFWs! :wave: I've been up for hours nursing a hangover _pale_ Clearly not used to alcohol as much as I used to be! A side effect of being a DFW :rolleyes: Going out and about today with the OH. A walk around the shops and maybe a little lunch somewhere. I think £30 should cover everything I need (couple…
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full and final settlement
has anyone any experiance of offering a full and final settlement of unsecured debts......are they liable to acept a lumpsum instead of recovering nothing if someone declaresz themselves bankrupt
