-
quite chuffed....
Guys you may think this is nothing but it means alot to me. Having struggled with chronic fatigue for the last 4 years I was earning a pittance some weeks coz I was too exhausted to even lift a pen :rolleyes: Well - I'm feeling a million times better and last week I worked (3) 12 hour shifts and when I checked my bank…
-
credit reports & FREE credit score
Hi this is my first post! :j Was checking my credit report on creditexpert and they've got a problem with their system which means your credit score comes up for free at the bottom of your report. Called up to make sure I wasn't charged and I'm not :D
-
Alvin Hall Advice
On MSN homepage Alvin Hall has a link about money myths. http://money.uk.msn.com/banking/Alvin/article.aspx?cp-documentid=1118910 Good old Alvin ! :D
-
Possession hearing
Hi I haven't posted before but have been reading posts on the site for quite a while. I am 36, currently out of work (17 months) fed up, in 40K of debt and have a possession hearing about my house next week. Now although on the one side l can be ok and think whatever happens at least l'm still here and l will survive,…
-
I think I'm slowly getting back on top of things (again)...
Hi, I hope no one minds me rambling on a bit but I need to get all this off my chest and I would really appreciate it if anyone can tell me if I'm moving in the right directions and if there's anything else I could/should be doing. I got on top of things really well and then had a bit of a patch where I felt out of control…
-
Eeek Eek Eek
I can't help it, money just seems to slip through my fingers. On the plus side I have a fabulous credit rating as I never <touching wood madly> skip a payment but it's getting WORSE not better. One of the reasons is that we are trying to flog a house in a buyers market and move to a sellers market. We have to move for…
-
Help - DMP
I've been on a DMP with CCCS for a couple of years. Went through hell for the first couple of months with nasty calls from creditors. Coincided with the death of a close relative. They took their own life due in part to the stress of debt. I really thought that things had settled down. I'm paying back what I can afford,…
-
I got my bank charges back
:j The account itself got closed last September because HSBC charged me £100 for going £20 overdrawn. In July I requested 6 year of bank statements and recieved them 5 days later. In August I sent the first letter requesting £223, then the following letter 14 days later after not hearing anything. I forgot all about it…
-
Thought I was.....
doing well, but don't feel like it. Here's what I've managed to do, I finally have sent my last payment to Dell so once that clears I'll be saving atleast £50 per month if not more as I've managed to end my repayments by 4 months I feel they are a poor company to contact and deal with overall, so and extremely happy that…
-
Letter from Halifax again **UPDATE**
Hi all, I just recieved another letter from them after I had sent the letter before action. It says all the usual, but also states 'We will not enter into any futher correspondence regarding this matter' Right do I still give them the 8 days left for the 14 days to be up then file the court thingy or do it now? :confused:…
-
Bank Charges Refunded another step closer!!!!
Just got a Letter from BoS and they are refunding my charges!!!! :j And that was with just one letter - they are £75 less what I asked for but balancing up the time I would need to spend pursuing and interest I'm paying on my current debts then I'm going to accept it and pay it straight into one of my debts!!!:rotfl: I…
-
Re-posting SOA
I posted this a while ago but quite a few things have changed - some good, some bad, so I thought now I've actually got all the information I'll post it again. This should be a complete monthly budget - Utility bills - Gas/Elec (Powergen) - 45 Water (Southern Water) - 17 Council Tax - 92 Phone Line Rental (BT) - 32…
-
Struggled for years...time to ask for help!
Hi! I have struggled with my ugly debt for a number of years, but now I feel like I'm reaching breaking point. I have tried so hard, but my debt is growing rather than reducing!!! I have just applied for a Virgin 0% card but as it is run by MBNA they will only give me a small limit as I already have a card with them. I…
-
Wescot Liars !!!
Just thought id start a new pot to see if others had the same problem as we have been having with Wescot. We had a debt from sky for £169 which i said i would py at £7.00 per month month one and two went by fine until last night when i got a phone all from them stating i was behind in my repayments ( i paid octobers…
-
help! The Halifax have taken overdraft of me!
Need some advise please asap before i loose it. Dont know if i have posted in right place, so i apologise if i shouldnt be posting this on here!! Basically I got paid yesterday my monthly wage, only to find that my bank have taken all of my substantial overdraft off me with no warning. I rang the Bank, they said my account…
-
Credit Reports - what do they mean?
I've just downloaded my credit report from Experian (30 day free trial but paid 4.99 to see my "credit score" :( There were a couple of things from years ago that I'd forgotten about :o but only a few hundred pounds. My credit score came out as "fair" which I was amazed about! I am even more confused now about why I was…
-
How much have/will you spend today 27/10?
Good morning DFWs :D Friday at last! Feels great fos us that don't work weekend - but my sympathies goes to those that do :o It was so cold this morning that my toes refused to get out of bed. My OH had to drag them out kicking and screaming :eek: :rotfl: Did well with the challenge this week so far but I am not sure how…
-
NOT dead ...Yet!!!
Hi gang just thought i'd let you all know that i'm not dead yet! Actully have missed this site(and obviously all of you SO much-YEP sad NO life). Am siting propped up here if I lie down I cough so much that I make myself sick and the tablets the doc has put me on? Well they make me sick!!!!!!!NOT happy. I'm Knack**ed, feel…
-
oh no! another debt back to haunt me
Evening all, Im sitting here in a bit of a muddle. Feeling upset as I have done so well since plucking up the courage to post on here a few weeks ago. I have contacted what I was sure were all the debt companies, and have made payment arrangements. Tuesday this week was one of my proudest days as I paid my first months…
-
I'm in debt but it's only going to get worse :(
To cut a long story short I lent money to a family member but they passed so away obviously I won't be getting it back. The money that I was getting in repayment paid off the loan I had taken out for them so now I've got £75 a month extra to find. I have a very very tight budget (I've posted a SOA here in the past and it…
