-
bank charges query, help!!
hi there all, hoping someone can help with my query. I want to claim back some bank charges from Barclays over the time I had an account with them, which is 2002-2003. The charges (for going over my overdraft limit) come to £320. I've tried to calculate the interest I was charged on these as well and have carefully looked…
-
Dinner dilema and pressie to boot
In my wisdom I invited my hubby's two best friends and my best friend for dinner tomorrow - its one of their 40th birthdays and now I need to shop for a) Dinner b) Booze c) Presents I promised a huge roast so Asda is on my list of things to do but any suggestions regarding pressies for a 40 year old man on a what is going…
-
money you pick up
I went out for my usual walk int the park this morning and come home with 62p which I pick up in the park.:j
-
HSBC Mortgage
This may be on the wrong thread but I need an answer before my appointment at 1pm. My fixed rate is coming to an end and so I am discussing my options. My house has risen in value by about 20k (maybe more) in last 3 years on basis of what I have asked the estate agent and what properties in that road are selling for…
-
Started a spending diary and stopped spending!
I decided to finally bite the bullet and start a spending diary last Friday, to try and work out where all my money is going. I have kept this completely honestly for one week and have spent ..... precisely £0.00 !!! Everytime I have thought of buying something I immediately think "Oh no, I can't put that in my spending…
-
DFW spa/gym things
Ok gang just a quickie I have got a free ticket for a day at a spa/gym What will I need to take. I just phoned to book it, but no idea what Id need. If I have to buy anything to take, I aint going :( I dont have any fitness clothes at all.... but i really want to take them up on the offer, looks really nice :confused:
-
How much have/will you spend today Friday 8/9?
Good morning guys! Gloriously sunny down here :D So glad the weekend is here (sorry to those that work at weekends :o ) Got a busy day ahead. Work, then 2 mystery shopping exercises then possibly some top up food shopping and then making dinner for a couple of friends. They are brining the alcohol and I already have the…
-
Bank of mum and dad
Does anyone know whether they are going to make new programmes? I really liked watching them, and found them really quite interesting and helpful... I thought it was quite popular (and better than spendaholics) so surprised if they don't continue with it...
-
Direct Debit Help Please :)
Morning Delightful People I am changing some suppliers (Electricity/House Insurance/Gas etc) and want to know if I cancel the Direct Debit with my bank or the companies themselves do. Also when I let them know I am changing supplier do i do it my phone or letter? many thanks in advance Bambers xxxxx
-
I know it's late but...
I know it's late but we need help. Stupidity and the fact that large CC limits were thrown at us over the past 4 years mean we are facing a tough (impossible?) time. I guess the lightbulb moment occurred about a year ago: hopefully you can see from the numbers below that we have since trimmed out all the excessive…
-
Newbie
Hi everyone I'm a newbie to posting on this site (so please bear with me) I have been reading through threads and people's debt problems for quite some time now and have only just worked up the courage to post. I do not have large debts, like some of the people here, which is why I was nervous in posting - incase I sort…
-
Thinking of selling my car.
As the title says really - I'm so keen to try and make a dent in this HUGE debt, that I'm considering selling my car. Don't think I'll get a huge amount for it (Citroen Xsara Picasso 51 plate) but thinking about how much I'll save in insurance, tax, petrol, etc it would make a fair old difference to my dfd. However, dh is…
-
debt collection
HI everyone, I posted here in a panic about my debts over a year ago. Since then, hubby has got a job and im now making (very) reduced payments to my creditors. Theyve all been ok about really, except for my Cahoot debts. First of all the debts (loan and credit card) went to Moorcroft debt collection agency. They refused…
-
CCJ help? (is this the right place?!?)
Apologies to experienced board members but I have tried my hardest to find the answer to this CCJ and Charging Order confusion I am having to deal with. You see, I just received the Claim Form from HSBC's solicitors for some joint debts that we defaulted on. We have already spoken to CCCS and they did the statement for us…
-
New DFW'er
Hi Thought I would say Hi. I have been lurking for about a week now and found some of the threads heartbreaking and others inspiring. I will keep logging on to keep motivated. My secondary goal is to be a MFW as well, but first I will become debt free. Good luck to all of you. Regards L R
-
Which Debt Advice Charity is The Best
Hello I am currently number crunching away on my SOA & was wondering which of the advice agencies do people recommend & why: CAB, Payplan, CCCS, National Debtline, Advice UK. I am employed as a Civil Servant (civilian) in the MOD so their could be complications when i start the ball rolling!. My intial intention was to…
-
getting post i dont want
The other day my OH signed for a package for me.. when i got in i opened it. its was some book club saying i have signed up to them. Which i had never. (posting back tomorrow and telling em to remove me off there records) Today i just recived a bill from readers digest. i have never had or ordered anything from them. What…
-
Is there room for another DFW??
Hi, this is my first post. I have been lurking for several months now and I have been inspired by all the effort and advise all of you have been giving. I eventually had my LBM in July. DH and I owe approx £42000 on credit cards:( and in July plucked up the courrage to call CCCS. Whilst they were friendly and gave great…
-
Harassing phonecalls!
I had my IVA accepted on Tuesday and up until then I have communicated to all of my creditors in writing, never answering their many calls. I had the usual missed calls on a daily basis but one company 0808 1560058 were very persitant and I received 5 or 6 missed calls a day from them. I remeber googling a number and it…
-
Help with learning Spanish for free
Evening all.... I hope someone could help with this. Does anyone know how you could learn Spanish for free... We work full time so would like the most DFW way of learning that is possible. :idea: ta all...
