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Final settlement figures - under what circumstances?
Hi, I haven't posted on here for a while now as have been making steady progress with the... debt (I really really hate that word!) I would really appreciate an answer to my query below as I've seen other people talking about final settlement figures, but didn't want to hijack their thread. A quick background: I'm 32, had…
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AQA question
For those of you who made it, how are you finding it? I don't seem to have had many questions coming through and can't answer some of the ones I do get. Any tips on keeping skip rate down? I don't want to give crap answers, just to get the money, but could only answer about 3 questions last night, earning me 90p for an…
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Bank Charge Refund - almost there!!
Hi, I know I should be posting on the proper board for this, and will go there today for some advice, but thought I would share here too seeing as I know there are a fair few of you doing the same thing. Bit of background : I started the process of bank charge refund over a month ago, I should have filed my MCOL for £3,000…
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To do today - Wednesday
Hi All Determined to have a productive day today! Apart from all the stuff to do at work (off on Friday, so got four days to do five days work this week!) I must go to the bank and pay in £40 my mam has paid me that she owed me! Also got to take a top back to debenhams for her. You never know - I might get my blasted…
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How much have/will you spend today Wednesday 22/11?
Good morning lovely DFWs :) Isn't it cold out there??? Eskimo impersonations again this morning! Half way through the week - yay! Hope none of the challengers are wavering and everyone is still going stong with the low spending! I am going for a non spender. Yesterday's non spender was ruined by a packet of wotsits and a…
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telemessage from citicards
I had a telemessage from citicards yeaterday saying if i fail to contact them within 72 hours someone will visit me at home!! I have sent them several letters in the past 2 months explaining my situation and have also sent CCCS my info and sent out CCCS letters to my creditors. what is this all about? why are they not…
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Debt free advice - please help I'm stuck in a bank!
Having got a Lloyds tsb loan and credit card when I started a new job 2 years ago, I didnt really understand what I was getting myself into. 2 years later, having maxed out my card and missing a couple of payments on my creadit card I now have bad credit history so I'm finding it hard to get a new bank account with another…
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Letter to all my creditors,what do you all think
Dear Vulture, Account Number[?????] Thank you for your letters.I am now in a positon to respond and apologise for not responding sooner,and for missing payments.This was due to circumstances beyond my control. I realise that my debt has spiraled out of control,but i have now taken the bulls by the horn so to speak,and am…
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2006 Achievement
Seen as though some people are looking forward to 2007 with a new set of challenges i thought id post the obligatory thread of 2006 accomplishments (and yes there is a month and a bit to go so no slacking ;) ) For me 2006 has been a great year, lots to be proud of, money wise id have to say clearing off my last cc was the…
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:hello: HELLO MARTIN !!! PLEASE READ!!!
This is a message for Martin .... HELLO !!!! ... on the dfw board at the moment there is a thread running for 2007 aims, and one of mine is to have a reply from you ... another is to win a 50 quid post of the month ;) ... any chance you could just reply to this now and then one aim will be over and done with already and I…
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MBNA Harrassment. Try Here For help!!!
Writing or emailing these people may help. Shane Flynn MBNA Europe Bank Ltd Chester Business Park Wrexham Road Chester CH4 9FB England Tel: + 44 (0)1244 - 672251 Fax: + 44 (0)1244 673402 Email: shane.flynn@mbna.com Robin Russell - Chief Corporate Finance Officer MBNA Europe Bank Ltd Chester Business Park Wrexham Road…
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Please if anyone can help
I have been looking for forums and advice for the past three weeks and thank god ive found yours. I am in terrible finacial trouble and honestly cant belive that im in this situation. I have a mortgage for £61,500 a secured loan for £35,000 and anothe secured loan for £ 77,000. I also have two loans, one for £7.5k and one…
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Not sure of the law
Hi All Can anyone tell me about the law when it comes to letters of assignments when debt collectors take on debts i.e. should they send a letter saying they have been assigned the debt or does this only apply to companies that buy debts. I would appreciate any help. :confused: :confused:
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Justified spending?
This isn't very DFW but I spent £1.39 on 4 packs of biscuits and a big chocolate bar...:rolleyes: My question is... as I'm buying said biscuits and chocolate to feed my pregnancy cravings surely this can be classed as essential spending and so be ok DFW-wise? :p I would have made my own money-saving-old-styleee but I need…
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Xmas present ideas
Right, I need some ideas please on what to get the following people for Xmas!! I dont want to get gift vouchers, more little personal gifts. Mum: Budget of £50. (have already bought Keane DVD!!) Likes going to the gym, reading (novels, autobiographies etc), Dad: Budget of £20. I dont really see my dad that often but.....he…
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?? stopping interest payments while on CCCS DMP
Hello debt-free wannabees all. Firstly this is a tremendously useful website, and while not a great poster of threads, I am an avid reader. I am in the usual dreadful state of indebtedness that is found here. However, I do have a steady income and have tackled the problem by setting up a DMP with the CCCS. I set it up jsut…
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Newbies SOA
Evening all,
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MBNA Phone call at work
:mad: Do MBNA have a right to ring your work and harrass if they can't get you by phone at home? MBNA reckon that my husbands work number has been deleted but have they told the Indian call centre who rang his employer in the past several times a day.:mad:
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no number
Bared unwelcome calls at expense to me - what happens next?:rolleyes: :rolleyes:
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Targets for 2007
Open up no new debt, that includes cutting up the M&S card that OH just requested. Pay off Barclaycard 21% Marks & Spencers 18.9% Crapquest by end of June. Then I don't know the other debts are Halifax just over £3,000 and Liverpool victoria just under £6,000. The last debt is a loan which runs till may 2008, which would…
