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Debt-free wannabe

Archives for November 2006

Can I request this/these default(s) removed?
1) I have a default with CitiGroup. The credit limit on the card was £400 and they have defaulted me at £490. Around £350 of the balance was purchases, the rest is charges and intrest. Am I able to calim the default is due to charges and therefore have it removed . I have paid them a payment of £300 since the default, so…
Moozie - Less Than £10k To Go!
Well done you [STRIKE]old[/STRIKE] cow! ;) :p
A little update
Haven't been here for a while, not sure if anyone will remember but I suspected that my partner had a serious debt problem, I confronted him and he said he did, he promised he would sort it but nothing happened, I let him have his space for ages and then one day found a letter which made me think he had enough time to deal…
Help me get rid of debt!
Hi people, First post here. I'm after a bit of advice regarding the best way to get rid of my debt. I'm coping, but not really paying anything off as such. I really want to get my debt down as I am looking to move into my first house with girlfriend in the summer. Anyway my SOA... MONTHLY INCOME: Wages - £1450 I am a…
Can anyone recommend a financial self help book to become a DFW?
Hi My mum has offered to buy me a financial self help book for Christmas. Can anyone recommend a good one?? I am desperate to become a DFW, but we are still in the position where we are spending more than we have coming in and are getting nowhere in clearing our debt. Things are going to be even more difficult from the New…
Children helping parents out of debt.
I would just like to applaude all of you currently helping out parents who are in debt....you really are amazing!! I always think its up to the parents to look out for their kids (mine never did you see) but so many of you are sorting out families debts for them, this is just an appreciation thread I guess. How do you cope…
Help
I`m needin advice bout becoming bankcrupt no idea were i begin who do i contact what to make a fresh start for the new year thank you:money:
Business V Personal Overdraft
Hi everyone. So, I am a sole trader and the nature of my business means that I cant guarantee how much will come in each week. This means that I have a tendancy to go over my overdraft limit. This (together with a personal trauma last year where I couldnt work for a while) means that my credit rating isnt great. I am now…
What Next & Where To
Just had my offer of £7k Full and Final Settlement against an early settlement figure £9.3k turned down by HFC. Even though I said in my letter that I could no longer afford the £400 pm and that one third of the offer ie £2400 was being paid by a friend on the basis that it was used as part of a F & FF, they still…
Help
Can anybody give me advice?:confused: I am a mature student. I'm back at Uni studying Business Management. I was working full time before I went to Uni so I was card tarting and had a lot of finacial pressures at the time. I managed to get in to over £2000 of debt on two cards (this includes all the books I had to buy for…
What happens at court?
Our letters from Lloyds have recently started to turn rather nasty and I fear we are heading towards a court appearance. Despite the fact that we are with the CCCS they have continued to completely ignore the statements that the CCCS have sent and the proposals. Of all our creditors they are the only ones who we now owe…
Saving for a deposit...
I know this is going to get jumped on, but I do actually want some serious, sound advice. I do not want to be a scapegoat for benefit bashers, so take your posts elsewhere. Here goes... When (not if, when) we get debt free, we will, in theory, have approx. £500 a month surplus. I initially intend to take driving lessons,…
What Now What Next Where To
Just had my offer of £7k Full and Final Settlement against an early settlement figure £9.3k turned down by HFC. Even though I said in my letter that I could no longer afford the £400 pm and that one third of the offer ie £2400 was being paid by a friend on the basis that it was used as part of a F & FF, they still…
Nationwide....
I have a 0% visa with Nationwide...runs out in February or March....as at today..my balance was around £2.4/2.5k....and I went into the bank to make a payment of £600. What was I asked?......'have you considered taking out a loan to pay off your visa card?' Well, hang on a minute: Firstly, it's 0% until February/March…
Desperate - Owe £200,000 What Do I Do ???
Please Can Someone Help Me - We Are Professional Peolpe But After Renovating Our Old House Have Been Struggling To Cope With Paying Off Over £200,000 Mainly Credit Cards - ( £30,000 Secured Loands0 We Have Been Taken On By Debt Free Me - But We Are Vulnerable How Do We Know They Are The Poeple To Help Or Just Want To Take…
Advice
Hi After months of sticking my head in the sand I now wish to be debt free. Credit cards: Egg £12237.71 0% til Apr 07 Virgin £14322.31 0% til Mar 07. We are running at over £2K over each month. Can you explain what piggyback and other cash back schemes are about? Also need advice about working from home. Thanks so much and…
Time to seek help - broke down in tears talking to CC company
I broke down in tears yesterday whilst phoning a credit card company to tell them I could no longer afford to meet the minimum payments. I am welling with tears even as I write this. I rarely sleep through the night and debt is at the forefront of my mind during all my waking hours. I realise it is time to seek some help.…
Oops, it's going wrong!
It was all going so well, had my monthly budget worked out, was keeping a note of my spending etc, and then in a few days it's started going pear-shaped. I was moving last weekend, and with the agents fees on top & having to pay the first months rent before I got paid I went whacking up to the top of my overdraft again…
Loan Advice Please
Just posted this on the Loan board and someone advised me to post it here to see if any of you DFW's can give me some advice. Need some advice regarding a loan, we really need to borrow about £1000 short term. Our car needs some work done and my husband is in the process of leaving his job and is currently in a home…
Let's be light.
Hi all, As I decided to go for a DMP I have to cancel DD (1st in every month)for a loan and today I have to pay a token payment (£10). Could they ask me any question as 1st is tomorrow? As this is very first time I'm having butterflies in my stomach. :eek: :o :rolleyes: _pale_ _pale_ _pale_ Please some support. Many…

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MSE News

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