-
Help, Unpaid Debt, letter from solicitors.
Hi, Not sure if this is the right forum but here goes. Firstly I don't have any debt problems expect this one ;) . Right I have just received a letter dated 10 August saying that I have not paid a bill for NTL (Which I think was not returning an NTL box - even though I have). It also says about how I have ignored all…
-
Stupid time to start a family?
:p I can't deny it to myself any longer, I am broody! I want to start a family as soon as we can and I know that my husband is eager for us to do so too...however...should I wait until my debt is cleared and we have built up savings, or just say what the heck?! I want to do everything right, and not worry about money etc,…
-
Sunday afternoon drinks at Mikes
Hello all.... I havent been here all weekend, went to a Civil Partnership Wedding yesterday... Still have a bad head, but to get rid of this, does anyone fancy coming round to my thread for a glass of wine this afternoon ! We deserve it... been a bit down this week, have a date for the big B now though... Pop in !! Mike
-
Trust Deed / Credit file question
Hi I posted on here a while ago about an unsettled debt that was showing up on my credit file for progressive financial services. I thought this had been settled in a trust deed so I queried it through equifax but they came back saying that the company had said the information was correct and gave me an address to write…
-
How much have/will you spend today Sun 10/9 & challenge!
Good morning DFWs! :hello: Another beautiful day down here. Dinner is in the oven and smells delicious, can't wait to tuck in! Going for a no spender today. Yesterday turned out to be a higher spend than anticipated - about £20 in total - as I bought the meat for today and some trimmings as a treat for the OH taking me to…
-
I don't care about my debts
Since I began my DFW journey earlier this year, I am the first to admit I've become a tad obsessed with saving money and it had become a huge part of my life. Almost to the point, where I was starting to become very self centred and stingy. However, since last Thursday, I see now, that life is not just about paying off…
-
The 'goals for next week' thread returns
Looking through the archive it seems we didn't have a goals thread last week. The last fortnight for me has been a complete write-off (went £75 over my £100 budget this week). If you want to see the thread from two weeks ago, it's here So, without dwelling too much on everything I've failed to do this week, here's next…
-
Sky tv
We have had sky tv for nearly two years, but upgraded to sky+ earlier this year. Could we cancel our subscription or do we have to wait until we've had sky+ for a year?
-
Compassionate bank?
I have posted before about a friend of mine who has got problems ! He now knows going bankrupt isn't an option, nor is taking out further loans and I have pursuaded him to see the doc over depression. I have got him to apply for his credit report which we are waiting for but he is going to hit big problems with his bank.…
-
Cancelling Services - legal position
Hi there I have a couple of questions about cancelling services. Firstly Sky. I had a Sky+ 160 box installed 8 months ago. I seem to remember that there was a 12 month contract requirement in the T&C's. If I want to cancel will they want me to pay up to the end of the 12 months or will they ask for the box to be returned?…
-
Guidance required from the regulars please
Hi, Can someone offer me some advise. In the past few years since I have struggled with my debts. I have due to promotions at work and being much more careful about paying on time managed to improve my credit rating in the past couple of years. However I have done the consolidating loan thing and have several loans and…
-
Help me please - I want to DO THIS this time and save my sanity
Can anyone tell me? CCCS - if you go with them and have a DMP does it affect your credit rating? I dont want any credit again EVER so Im not concerned about that but dont want to do anything that will jeapordise getting a decent deal on a mortgage when our current offer runs out (next year) I am about 30k in debt, not even…
-
Not sure what to do?
Hello everyone im new on here, well where do i start, i have about 34000 pound of debt and have managed to pay and not miss any payments, however i cant stop thinking about it and worry about it all time, DH is doing extra work at weekend to cover bills and be able to afford things etc, A year ago i was off work having a…
-
bank charges and need to pull belt in
Hi not sure if anyone can help, but i have recently seperated from my husband and need to pull the belt in as much as possible. I have a managed loan with HSBC bank, it has around 8000 left on it,and i am paying 150 per month, but out of this they take 85.00 in fees!!! I dont have a good credit rating so getting loans or…
-
My IVA
Hi, I am currently in an IVA paying 452.00 a month to try to clear my 45,000 debt. I was stretched really thin on this and to be honest really struggled to live normally. I have since had a pay rise which made things better but not a hell of a lot. Part of the IVA agreement was that I pay an additonal 50% of all my income…
-
Family Member Denying They're in Debt.........
a family member of mine is completely in denial they they're in debt. I know they're in debt cos i've seen letters demanding payments and they always hide the post when it comes, only opening ones that arent' important in front of me, and also i've answered phone calls asking for them and they're always the same numbers…
-
Stopping smoking - yes again!
Hi Everyone, I'm going to give up smoking again tomorrow. Yes I know I'm on here every so often giving up and then all goes quiet, but I really have to do it. Health wise obviously and money wise £5.60 odd for 20!! I'll keep you all informed on how I get on and if anyone else fancies joining me and having another stab then…
-
Iva's
can anyone tell me about them? i know you can offer to make a min payment of say £1 a month, but when can you make this offer, to pay back a debt? like when you owe a lot on say a credit card or catalogue debt. and how do you go about it?
-
Any chance lenders will stop interest charges
HI My circumstances have changed drastically and I wondered if I wrote to the credit card companies and asked them to stop the interest, if there was any chance they would. One of them is American Express and the other is Cahoot Is this a bit naive to ask them. I'm going to make every effort to keep up, but I am worried.…
-
Sky - Taken from another forum.
This is taken from another forum I found.
