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Question about defaulting
I'm in the midst of a divorce, and although my soon-to-be-ex-husband is now living elsewhere his mail is still coming to my house. (It's a long story, that I won't go into now. As in most divorces, things are complicated.) This afternoon a letter arrived for him, and I could clearly see through the window that he was…
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please help am desperate!
Hi all Have not posted for a while but have been reading everybody elses posts! My husband was declared bankrupt on 8th October and we are in the process of having this annulled (dec22nd) but we are having so many problems its untrue! To cut a long story short i always do food shopping on a friday so off i go to Asda and…
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Cutting through employer BS.
OK, THis is sort of DFW I guess, seeing as it potentially has a major effect on our ability to pay our debts off. Bit long-winded but here goes, I'd appreciate some thoughts! My OH has been working for a pub chain for about 18 months now. He has over ten years experience in the catering/ pub industry, including some at…
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Accidental overdraft.
Hi all. I am off work with a smashed leg, and have been for five years. A few months ago I received an interim payment. My problem is that I miscalculated the finances and now have an unauthorised overdraft. I am overdrawn £139.08. I am being charged £20 Per month + interest. I phoned the bank, and they want £40+ pounds a…
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Good advice on partner's debts needed!
Hi everyone. This is my first time posting here, and I could really use some good advice. My partner has around £3,500 worth of debts. She did have more, but has been paying them off with a monthly plan. A few months ago, she moved in with me, having moved from a long way away. She assured me she was still paying her…
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Help needed.
Hello everyone, reading all these threads has made me realise that i'm not alone. I have been feeling so depressed lately. My problems started about a year ago. I had a loan from the bank to pay off an hp company(£23000). this was a vechicle for work purposes. Trouble was that I didn't think about this extending the loan a…
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How much have/will you spend today Tuesday 14/11?
Good morning DFWs :) I can't find our thread this morning so here it is. If I am duplicating, I am sorry - I blame the cold :rolleyes: :rotfl: You will be pleased to know the man slave performed his duties very well indeed. Made my dinner, supplied me with lots of hot toddies :D and even a flask with hot coffee by the bed…
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Newbie needing help with secured loan
Just wondering if there's anybody with any experience of moving a secured loan? We've got a £43K secured loan on our house with future mortgages and the interest rate is 11% :eek: :mad: . At the time we were so desperate we thought it was for the best but what with the latest interest rate rise I'm scared :eek: There are…
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Mobile phone numbers
I know this seems a bit off topic but it will help me become debt free if I change from a contract to a PAYG phone. If I do change from one to the other is there anyway I could keep my phone number? I have no idea about stuff like this! R :)
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My Bank Charges
Hey, Just got my last two years bank statements from RBS. £447. The battle begins...
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Any Advice Please!!!
Ok heres the deal, got out a bank loan, don't know how i managed it as i was honest about my wages, being part time, only about 5 k a year or a little more, Cahoot gave me a loan for 5k and a credit card for 500 and an overdraft for a grand, oh fab, got myself in a right mess, its now with collections and solicitors,…
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Life not worth living
This is my first ever post I discovered the forum a month or so ago. thank goodness I did as I was so depressed about my debts and had seriously thought life wasnt worth living. Thanks to reading your posts I have contacted CCCS and am awaiting to do a DMP in the meantime I have been plagued with calls from 8am to 9pm at…
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Women are more in debt than men you know !
http://money.uk.msn.com/mymoney/womenandmoney/article.aspx?cp-documentid=1248722
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First Time Poster Be Gentle
Hi, I wonder if anyone can help me? Its my first time ever posting anything on the internet so I hope I am doing this correct. I have been watching for weeks people's postings and taking quite a bit of your tips and advice in. I just thought I would be brave enough so that someone could help me with my own debts? Any…
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Not Smile - ing
My current account is with Smile at the moment - I also have a loan & CC with them. The loan is paid every month - no problems so far. The CC has always been paid at least minimum payment until this month. I haven't made the payment (no money!) and am waiting to start my DMP with CCCS so was just trying to ignore it for…
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What's it all about....?
Having a chat with BF last night and it got me thinking - Is being in debt or your ability to get out of it linked with how orgainsed (or otherwise) your state of mind is? My BF thinks that is rubbish and that I am just c**p with money, but I think there is more to it than that. When my house is a mess and I feel snowed…
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Not very DFW - annoyed with myself!
Lost a £5 note yesterday...not a big deal really, it could have been worse....it could have been £10 or £20 but its still annoyed me! I usually put my notes in my wallet but i stuffed this one in my trouser pocket along with my coins. I can only think when i went to the shop and bought some gum that it fell out when i got…
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earning in your spare time ?
This was recommended on the news this morning, sliversoftime.com you put what hours you can work and it gets back to you by mobile if there is an offer. A great way of earning extra.
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How long does it take to disassociate yourself from someone on a credit file?
hi this question relates to my sister who is 25 and has never had any credit rating (she has never needed to get credit as has lived at home, always paid everything cash, until Feb/March when she moved into her first rented house - she's never had any catalogues or anything, so has no record which seemingly may go against…
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Financial Link Question
Hey. Got a question which I have mentioned in previous threads before but never really got a definitive answer. So either I am explaining it wrong, or no one is interested in answering it lol Anyway, I have an adverse credit history as a result of being on a self-managed DMP for over 12 months now. This bascially consists…
