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Does this make sense??
We have no cards at 0% so I've got to juggle the best I can with what we have.. Morgan stanley (currently at £5216 ay 27.6%:eek: )This is the next target after I finish up my barclays and egg.We have a hsbc visa at 14.7% soooo shall I transfer a lump from the mstanley onto this one?? We have £1000 leeway on that.I think it…
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Creating a new credit file
I just saw the link on this website to a ebook claiming to allow the creation of a new credit file : http://www.creditsolveuk.com/creditfile.htm Does this work? Is it illegal? I have often wondered being as the CRA's base profile data on home addresses (hence questions asking for all addresses lived in the past three…
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Next Directory
Does anyone have a draft letter to send to Next i keep receiving catalogues (which i have not requested). On Friday i received a statement for £3.75 for the catalogue i have never received Thanks in advance
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How much have/will you spend today Monday 30/10?
Good morning lovely DFWs :D Lovely morning, isn't it? Woke up very early this morning - has to be the time change as I am not an early bird usually :o Work is hectic once again so I doubt I'll be back on before I get home :( Just remember challengers - I am watching YOU! :naughty: :rotfl: Mine will be a non spender today.…
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little by little
Just writing this in to keep me on track. Have been paid £150 more than I was expecting (am on maternity leave ) so that is good. Am not throwing it towards debt yet cos will stop us using savings that we have for mat leave and childminder before i get my "normal wage" when i return to work in 5 weeks. Just paid extra £30…
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Letters - proof of posting or receipt ?
Hi - Im about to send some letters off to a couple of DCA's so just wanna confirm wether i need proof of posting from the post office ( free) or proof of delivery - ie recorded (70p ish) If i ended up in court would a proof of posting be sufficent to prove ive sent it and they should of recieved it ?
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Working out APR
Hi I'm wondering if anybody might be able to let me have details of the equation I would need to use to work out the APR on a loan, I would be doing this on Microsoft Excell thanks
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Credit card in credit
I called MINT the other day as I was £125 in credit with them!! I'd paid some money to them a while back by mistake when it was meant for another credit card company. Anyway without boring you with detail the other card company is taken care of. So I spoke to MINT and they're sending me a cheque. I told them to close the…
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Whats that sealed money box thingey?
really sorry to open a new thread for this :o but as i cannot remember the name of the item i am thinking of a search wouldn't help me :A ok. its a money box but can only be opened by smashing it. i know theres a really good thread on here somewhere with links to places that sell them. any help or a link would be rewarded…
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Thought i was getting somwhere until.....
Those lovely people at the Tax credits office decided to write me a letter saying i owe them £480.00 ! which is just what i needed! so now i have to pay back £40.00 a month and they wont take any less than that as they say it needs to be payed in the 12 months! .... so im gonna have to adjust my debt now! and im not very…
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i just really don't know what to do help!!
hello everyone i have just found out my fiance has a loan of 30,000 im so shocked. we were planning to look for houses and therefore he had to confess. i just don't know how this is going to affect us with getting a mortgage. does anyone have ANY advice on how to deal with this.
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Ocean Finance
Hi all, Quick question. What do you think of Ocean Finance? Good?...bad?...average? Just want to get a feel of what the concensus of feeling is of them. How do they compare to their competitors in the their field (Norton, Welcome, Picture etc) p.s I don't work for them....someone i know may be going to work for them so…
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I Owe Unlisenced Loan Sharks What To Do
I Have Got Myself In Real Trouble, I Recently Cosolidated All My Credit Card And Unsecured Lending By Increasing My Mortgage, But I Have A Real Problem As I Have Run Up Around £70,000 Debts With Unregulated Loan Sharks And Family, I Feel My Only Opption Is To Sell My House And Use The Money From This To Set Myself And My…
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DMP and selling debts on - advice needed.
I know that someone here will know the answer. OH is on a DMP with cccs and one of his creditrors has offered him the chance (?) to pay an extra £3 a month (total) for two debts he owes them and he has to decide by 4pm tomorrow (Monday) what his answer will be. If he refuses, they have said they will sell the debts on. If…
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What can I do to get a debit card?
I am currently with Lloyds as after 2 years of trying wioth Barcleys they wont upgrade my account to have "adult facilties":rolleyes: Now I opened an account with Lloyds about 7-9 months ago and am desperate for a debit card so I can pay my bills on time with my own card. I have to mess around asking folk if I can give…
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Mystery shopping...what's it all about??
Hi everyone! I've noticed a few people are getting money from mystery shopping, what is it? how does it work etc....? cheers! Luke:beer:
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Anyone on a DMP get a mortgage??
Hi everyone! I'm currently on A DMP and currently have a mortgage with the Bank Of Scotland, myself and my girlfriend have been talking about starting a family but need a bigger place so we've talked about getting a joint mortgage was just wondering if anyone has secured a mortgage whilst on a DMP? what sort of rate they…
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My Wife & Ebay
My wife likes to sell some items on ebay that we dont use but when ever she sells a few things and makes a little profit she goes and buys somthing that we dont need. So her promise to her self to save it for christmas goes out off the window every time . :mad: :beer: :mad:
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Debt Free Christmas?
Sorry if this has already been posted, I was wondering what everyone is doing for Christmas this year regards to gifts and the day itself. I have managed to save some ebay money for hubbys gift, Im using pigsback and tesco clubcard points for my Sis's gift and Im making hampers for my SIL & BIL and my parents from freebies…
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Good luck!
Hey Guys! My mum is doing the big debt shifting stuff - she bought Microsoft Money which helped her keep a visual track of debt and it's really working so I just wanted to say a big Good luck to everybody! Keep at it! By being a card tart etc, she will be out of debt in 12 months - been doing it for 6 months now. Hang on…
