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Mobile Phone Dilema.
My mobile is up for renewal. I am on a contract with 02, currently at 25 quid a month. I have decided instead of going through O2 again, to go through a quidco deal, but can't decide which would be best for us. Option 1 - 12 free months, free phone, free cross network minutes and texts and 5 cash back from quidco. This…
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I've had enough
hi all, I've hit rock bottom, I've just had enough of my whole situation. I'm 24 a single parent, who is trying to work, and do the best by my son so why does it seem i keep getting pushed further down. Basically my son is starting school next week, part time (9am - 11.30) I desperately want a job and hate being on partial…
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Newbie enthusiasm
Since becoming a DFW I seem to have loads of enthusiasm to clear my debt. It was Hubby's b'day yesterday and I spent £13.50 on a couple of tops for him. The wrapping paper is plain silver so can be used for christmas and other birthdays. I cooked a meal in last night, was going to do a lobster tail recipe until I found out…
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Scam or real prize?
This is probably the wrong board, but you were all so great helping me out when I thought I had won a holiday. I've received post this morning from Opinions Ltd t/a Survey UK saying we have won one of the gifts donated by local businesses & to phone th number which is says is normal telephone rate. They are based in…
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Hair clippers-bargain of the year!
When I was with my ex and had the cash to splash or should I say the card to splash, getting my monthly haircut used to cost £13 with the usual tip of £2 for the girls bringing it up to £15, so over a year cost me £180. Now I have three kids two of which get monthly haircuts of which some places will charge £8-10 a child…
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Small Victory - HUGE THANKS
Got a letter from Capital One this morning offering me £224 in refunded charges. Thank you so much to everyone who has encouraged me!!
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Sayara Beg - the silly beggars back!
The BBC website seems to want to tout this womans so called debt problems as typical! She admitts to being asset rich but cash poor and owns a BTL porfolio. I don't see much of that here? What I do see is people with genuine debt problems trying to sort them out, for which you can only be commended! I urge you to complain…
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DCA/Metropolitan question
Hello, my debt is looking to be going over to Metropolitan DCA. My one question is, I am in a job where I can earn fairly good commission £100-£200/month. However, with the nature of commission this can be quite different amounts month to month. With a DCA can you pay extra on top of your agreed payment, like a credit…
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Any idea where I can clarify this, please
I have just read a post where it says that a DCA can not chase a debt, which is in dispute, until that dispute has been resolved. Poster appeared to be unsure if this was law or guidance. I have received DCA letter for a debt which I am disputing with creditor and any advice will be well appreciated. Thanks.
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Short term into manageable long term debt
I've recently bought a house borrowing £96,500 at 113% of the value (£85,000) at fixed rate of 5.99% for 5 years with Northern Rock. I've since renovated the house and its value is now £105,000. I have £16,000 of debt at 0% across 2 credit cards and 3 overdrafts and I'm not going to be able to keep this at 0% for very much…
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The Money Club
Has anyone heard or dealt with The Money Club (https://www.themoneyclub.co.uk) ? They contacted me last night offering up to 50% of the items of goods and various deals on holidays, insurance etc. All this for a £79 admin fee and £98 per year. The idea is that you call them when you want to purchase a particular item and…
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Diaries
Hi there, I really want to keep a diary of some sort of debts, spends, progress, trials & tribulations etc that I can look back on in my darker moments and see progress achieved, but not sure where to do it. I don't want to do it on somewhere like msn spaces because I don't particularly want the rest of my family to see…
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My turn
Hello everyone, ive been looking through this site for a few days now and i like the support that everyone is giving. Its my turn now to face the fact that im in debt and want to get out of it. Im not going to try and justify why im in this much debt as i know the only fault is mine. I would just like to ask for any advice…
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soz another bank charge thread....
Sorry im sure i keep repeating myself with this but im losing sleep over it, it just doesnt seem right!! Claiming both Halifax and Capital one (Its actually my mum but I gave her the idea) First thing is the interest? I know she can claim 8% when the county court claim goes in, but according to a spreadsheet on…
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Chess Partner Wanted
Still living the debt free lifestyle, and since I'm also on my booze-free odyssey I'm looking for things to do rather than go out on the lash each evening. So I've kicked off my learning french course, and I thought I would start playing chess again...been about 25 years since I played (and even then I was pretty rubbish)…
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Extra money for you or every penny on debts?
Every month I pay £700 on bills including groceries, and pay £250 towards my debts. This leaves me £100 left of my monthly wage for 'me'. This £100 includes any social spend, clothes, health and beauty products, and any other 'treats' such as magazines, books and chocolate, etc. I am caught up in two feelings about this…
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consumer credit act
Hi everyone, Ive already asked this before on this forum, but nobody answered soooooo im asking again in case anybody can help. My Cahoot debt seems to have been passed through a few DCA's. Now im not sure who I should be paying. I know I need to write to ask for a copy of the signed credit agreement and copy of the deed…
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Mercers ... phone numbers
Hi guys Searching fruitlessly for a number for them ... can you guys help at all? :A
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Lump sum loan payment
I want to payoff a lump sum from my barclayloan and barclays say I can't do it!!!!!!! If I make this payment I will have 4 payments left till I am almost debt free. Any ideas, help or suggestions - they seem unreasonable to me!!!:confused: :confused: :confused:
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Ten Pound Christmas
Hi - I'm quite new round here so I don't know if anyone has ever posted a similar idea to this one, but I thought I'd share with you all something me and my family have been doing for the last few years to cut costs at Christmas. We all agreed a set figure of £10 per xmas present. The only rule is that you must spend…
