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have i done it right ?
can u see my post i done earlier ? not sure if ive done it right as im a new user
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My Progress in Debt Reduction
I have been viewing the MSE website for a couple of months now and had my light bulb moment at the end of September, as you can see from my signature. I have took the plunge and started to concentrate on becoming Debt Free. I wanted to keep my focus on reducing my debt, so I have decided to post this thread, I will update…
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new user help needed
Hi all well i have just been told about this site and i have read through some posts and oh my god do i feel relieved i am not alone . i have so many questions and so much debt lol . Anyway basic history is i watched my dad gamble get into debt and go bankrupt he died in april 2005 and i seem to have gone down his path but…
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My SOA
Well Here it is, a breakdowm of my debts. Vanquis Card £3879.34 0% after calling them and explaining about my financial trouble. I am Paying them £82.00 a month. Barclaycard £620 17.9% paying £20.00 a month HalifaxOne £1172.969.95% paying £25.00 a month Monument £1209.48 15.9% paying £35.00 per month Debenhams £167.00 0%…
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Bankruptcy forms: How much do I owe?
Hi, Please can someone help me... I have had my head in the sand for a long time but am now (finally) about to file for bankruptcy, but I don't know how much I owe and to which companies (have been ignoring phonecalls and letters for about 3yrs). Please don't have a go at me I know this was REALLY stupid, and have been/am…
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Claiming Back PPI ?
A credit broker has been hit with a fine of almost half a million pounds because it failed to treat thousands of its customers fairly when it sold payment protection insurance (PPI). Loans.co.uk Ltd was fined £455,000 by the Financial Services Authority after it found customers were given too little information to make an…
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Heatons LLP
They've sent me a letter today stating they've been instructed to commence county court proceedings against me unless I pay the full balance (4K) off my account. I've already told the creditor I can only afford to pay a token payment every month, commenced the payment, and sent a personal budget, etc. What are the chances…
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Problem with cashplus card
Hello I am now on my third Cashplus card in 3 months is anyone else having similar problems with it. I tried to change the pin (as per the instructions) with the first 2 cards at Barclays, HSBC, & Natwest machines; none of them would do it. Also with my latest card i tried to renew a couple of annual insurance policies…
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How do you start to pay off a loan early?
Hi, I know that this sounds like a daft question but now I have just about paid off all of my credit cards I would like to start thinking about paying off a loan from Lloyds TSB which currently has 3000 pounds left outstanding. The loan is not in arrears and is paid by direct debit monthly. I don't have the full amount to…
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My 1st SOA..go steady on me!!
Hi there! This feels strange posting my finance's to the world but, hey, can't be too bad, as I've seen from this site over the last few weeks, a lot of people have plucked up the courage to do so and I want to follow suit! Light bulb moment - May 2006. I had a few personal problems, leading to a bit of depression and…
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oh to be debt free
I've just added up what I've got coming in "extra" in November and it's £765.05 :eek: This is all extra money, extra money I could have spent on anything but instead it's serving our debt! Oh how I wish I was currently debt free, we'd have an extra £400+ a month to play with! Roll on March 2007! This total is going to rise…
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help and debt advice needed please
We have managed to get our selves into a debt mess, and need some advice on how to deal with it please. This all started 2 years ago when I became ill, I’m now on a much lower income. Credit cards card 1 wife: Monthly minimum payment £99.98 Amount owed £3956.15 interest paid each month £39.44 card 2 mine: Monthly minimum…
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Rent Increase..
Okay I live with my mum and she's currently remortgaging for a better term and rate. She's a single parent and I'm the only child left living at home. I currently pay £127 (£27 was being saved towards Farepak :rolleyes: so I've got her to open an ISA instead). Anyhoo I normaly pay £100 rent this is low because (before…
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Gym membership
Hi everyone, Apologies if this is in the wrong place but I have a query on gym membership! I joined a Next Generation health club about 3 months ago - I wouldn't normally be able to afford it but as where I work offered a corporate membership I decided to get the cheapest offer I could! Anyway, I have since left the job I…
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please DELETE
Im 22 years old and im about 14k in debt which i have got down from 21k in the last 2 years or so i thought i was being clever get a place with my ex boyfriend we got a mortgage when i was 19 or should i say he cos it was put in his name only after he convinced me that if they credit checked me then we would not get the…
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Plese DELETE
I am currently in a DMP and i am get frustrated to say the least i really want a mortgage which is not possible at the moment!!! my DF date is April 2010 but i hope with saving a bit here and there i might be able to end it a year sooner, but none the less house prices are forever rising and i live in Reading where even…
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Little bit of advice please
My current debt is as follows ... Debt - Egg cc - £414.75 - 16.9% - paying minimum approx £12 HSBC cc - £1,145 - 0% - paying £50 per month (can be more but not less) IF cc - £268.28 (limit £600) - 3.95% (life of balance transfers) - paying approx £30 Post Office cc - £632.10 0 % (six months) - paying minimum My aim was to…
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Martins Fans Myspace
I'm currently making a myspace for MSE FANS its https://www.myspace.com/msefans come along if you want to see ps its a work in progress I'm not great with these thing lol!
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My SOA
Well I finally completed my S O A and thought I would put in a :eek: even though I feel more :eek: :eek: :eek: :eek: :eek: It's shocking seeing the figures. I knew it was bad but this. I'm just glad I found this site and got my stupid head out of the sand. The monthly figs are as follows. Incoming 1247.00 Outgoings…
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provident question
I know this may seem like a sill question but foolishly we took out a provident loan (then paid it back) and then got another 1 e.t.c e.t.c until we are now paying £60 a week back:o :eek: (part of this is someone else's loan that I stupidly let them get in my name and are now refusing to pay!):mad: I don't want to go on a…
