-
HELP baillifs threatening letter
In September 2004 my husband forgot to pay the congestion charge. He totally in all honestly forgot all about it until we received notification in March 2005. We had moved house in that time and although we had post redirected we had not received any communication about it. He went to the local Court and swore a Statutory…
-
has any one else do this
hi i was just wondering if any one else has sliped back into old habits on here i used to spend a huge amount of money on takeaways and food after coming on here i cut it down but now its the same as it was before is it just me or has anyone else done this
-
Help First post
Hi I am looking to set up a debt management plan but have just read in my mortgage terms that if I set up any voluntary agreements then I will need to repay them all the money we owe immediately. Can they do this?? This is all new to me and very scary. I was beginning to feel better about my situation (40,000 non secured…
-
Decisions. Cahoot flex loan vs 0% credit card
Hi... not sure if this is the right section to post this.. but hoping someone can comment... After a fierce couple of money saving months.. ive managed to achive lots, and save myself a shed-load of money by moving current accounts, and shifting credit cards onto one 0% BT offer on virgin.. Now ive got four main sources of…
-
question for you
I am in a Debt Repayment arrangement with Paylink , I have three accounts that I put my monthly pay into and use for Food shopping bills etc Now my situation has improved , I am seriously thinking of taking out a credit card to use in emergency situations only - any thoughts as to whether this is a good idea or not
-
Have you heard of these?
Debt Free Direct and whats the difference between an IVA and a debt Management plan? Also it the norm to pay out 375 pound up front. Thanks in advance x
-
Incorrect CCJ, no-one will help...
Hi All... Just a query i have at the moment, i was hoping you may be able to advise me with....here goes. In 2003 my mother accrued a CCJ in my name (naughty i know...), but since then the CCJ has been paid in full, and my mother paid around £30 to have the debt/CCJ placed into her name. All seemed fine, until i recently…
-
Question about debt collection agencies
Hi Everyone, I’ve got a question about debt collection agencies. I’ve had a dispute with phones 4 u for about seven years (totally their fault) and this has been passed through many debt collection agencies all of whom have stopped contacting me as soon as I’ve phoned them and explained that it was phones 4 u’s fault and I…
-
debt managers ltd
hi all, just had a letter from these guys regarding my overdraft debt with abbey. does anyone know if they are part of abbey or are they an external dca? the debt is for just under £1400. i wrote to them (abbey) offering £50 a month until my circumstances improve (which hopefully, touch wood they will do in a couple of…
-
Can I trace where money paid into my bank has come from?
Odd question on DFW I know, but checking my account this morning, I've had a payment put in which just says Bank credit of £180, can I trace where this has come from?
-
9/11 - let us never forget
-
Telewest
Hi, I'm not sure if this is thr right place to put this so if a moderator can move it to the correct forum, It'd be much appreciated!! I received a letter this morning from Wescot debt collection services informing me of their intent to send a door step collection agency round to collect the outstanding amount for services…
-
Still waiting
Still waiting on a reply from Citi card (see earlier thread) http://forums.moneysavingexpert.com/showthread.html?t=255591&highlight=citi+card Am I living in cloud cuckoo land expecting them to drop all interest late payment charges and continue with my original repayments programme. It was their fault it defaulted anyway.…
-
Clothes - Treat or Necessity?
My question is about clothes – Do you guys see clothes as a treat or a necessity? Since my LBM, I have not bought any new clothes (apart from maybe the odd £3 top or something) because I’d always classed them as treats. But I’ve come into work this morning looking like a right scruff! I’ve got a safety pin holding my…
-
How much have/will you spend today Monday 11/9?
Good morning DFWs! :wave: Hope you are having a good day wherever you are! Hottest September day for a while so time to get that washing out on the line :wink: For all those that took up the challenge yesterday, good luck and hope we all make it under target! :beer: I am going for a no spender today so keeping my £7.55…
-
NEW DFW Hi Everyone - Lightbulb Moment?
Hiyall! Been lurking here for a good few weeks following the stories of people. Love the idea of the sigs with the debt going down so thought I'd jump in with my story (and sig to give me more motivation.) Myself and hubby not *massively* in debt, but it's bad enough. Until 2 1/2 years ago we were going along alright, me…
-
O/T anyone an AVON rep ?
Hi, To earn some extra cash I have applied to be an Avon rep. I have the supervisor/team leader person coming over tonight to explain it all. Do I have any outlays ? Hubby thinks I have to pay out for the brochures? Is it worth doing ? Thanks
-
Consolidate?????
:confused: Hello all - heard Martin Lewis many times on Radio 2 and think he has some great things to say in a short amount of time! Therefore have put this site as one of my favourites underneath my banks website to constantly remind me to look after the finances! I am in my 30s and married with two children and have…
-
Bankruptcy - Can anyone offer any advice and help
I am currently filing for bankruptcy (gettin thru mountains of forms at mo) and nned some help in understanding process of OR and what's involved and how long it goeson for etc. I have read some people are discahrged after months but do not understand how this works, if you ave surplus cash each month foes the OR take this…
-
Confession.. pilot debt
Hello all you lovely DFW's. I have been a lurker on this board for ages, and have been so impressed at your seemingly endless support, advice and encouragement for everyone. As you can see from my sig, I have just handed in my dissertation for my postgraduate course and now is the time to sort out my debt. I am so lucky in…
