-
2 CC co's two different attitudes
Well, wrote to the two Credit card companies, with my CCCS statement of facts, offering to pay the minimum £1 per month untill I can sort out the finances. I thought after the trouble I had with Capital One, the daily phone calls etc, that they would be the biggest problem. Not so! nice letter back accepting the minimum…
-
S.O.A of a 20 year old student!!!
Well i thought i would post my SOA as i was curious myself and to see if i could get help!!! Income: Monthly wage: around £350 (trying for overtime but is a new job!) Outgoings: Car insurance £69 Fuel £70 Mobile Phone £30 Natwest Credit Card £20 Capital One credit card £20 Intrum Justicia (la redoute catalogue) £30 DCL…
-
Has anyone won against Capital One?!?!?
Hi i was just wondering if anyone had won any charges back against capital one? I fileD My claim on 18/10 and heard nothing from them yet! At the moment i am about £200 over my £200 limit due to charges and i cannot afford the minIMum payment which is now £196!!! ThEREFore more charges are added!!! If i win the money back…
-
Claimed interest on refunded bank charges
I know about consumeractiongroup forum but wanted the advice of people on here too. I'm claiming back charges from 6 years over two credit cards. The first I successfully received an offer of a full settlement after only two letters - the second is proving more difficult and it's time to actually file my court claim. My…
-
New Girl
Hi Im new to this forum. My husband and I are currently waiting for our creditors to start sequestration proceedings on us. Most of the debts are primarily in my husband’s name, although I was a second named person on all our credit cards loan. All but one of the catalogues is chasing my husband only. It has been a hard…
-
opinions please
I am going to be debt free by the end of the year and want to start saving for a deposit on a house with my boyfriend. The thing is, I havent started paying back my student loan yet (i'm on the old scheme). I have deferred it for the last 5 years. My question is this: should I start paying back my student loan or should I…
-
Thoughts please
I am going to be debt free by the end of the year and want to start saving for a deposit on a house with my boyfriend. The thing is, I havent started paying back my student loan yet (i'm on the old scheme). I have deferred it for the last 5 years. My question is this: should I start paying back my student loan or should I…
-
Where to turn!
Hello I am wondering where to start the ball rolling. I have realised that we cannot carry on on the way we are going. I have a house 2 children and a wife so i wouldnt like to loose the house i have been living off my credit card for the last 2 months as there is £2100 going into my account and £2400 coming out each…
-
Credit card bills - My best course of action?
Thankfully my debt is getting smaller and smaller. Thanks to the advice on this fantastic board. I should encourage all not to get discouraged! Keep your head down, keep chipping away, cut the spending. Bringing in lunch at work has saved me ££££ Keeping a diary of my CC bills helps motivation. What do you adivse on the…
-
Wages advice please (anyone good with numbers!)
Hey there Can anyone of you lovely people help me get my head around this issue? OK to help pay off my debts I have taken on a 2nd/weekend job. The hours are Saturday 9am-4pm & Sunday 12pm-3pm, (10 hours over a full weekend). So far I have been paid: August 2006: £60 September 2006: £260 October 2006: £260 OK firstly I…
-
My SOA
thought i would join you if i may. we have 3 children 3yrs 15months 4 months Hubbys income after tax ni and housing costs have been removed 1225.00 (approx) will be 300.00 more in april 2007 my income is 321.60 tax credits and child benifit outgoings. 60.00 payplan (will be 360.00 in april) 40.00 car insurance 80.00…
-
Piece Work
Has anyone had any recent experience of piecework ? my overall impression of this is that you get very little for doing tedious "envelope stuffing/addressing"
-
What can i grow??
Hubbie has let me dig up a 7X4ft section of garden to use as a vedge patch, now i cant even keep a weed alive so just want to know whats the easiest thing to grow, i use a lot of vedge in stews and soups and wat to cut the shopping bill a bit, has anyone tried growing their own??
-
data protection question
I am at present being pestered by M&S over a loan I owe them and am currently on a dmp with cccs. my problem is that when i moved house i never bothered to tell m&s but kept up the re payments. then about 3 months ago i could no longer afford to pay my repayments and didnt pay them - stupid i know but i cant go back and…
-
Debtors Bankruptcy Petition
After much deliberation, sole searching and considering ALL the options, bankruptcy is the only way forward for me - I have unsecured debts of over £50k and have been unable to work through illness for the last 4 years, who knows when, if ever, I will have a proper income again. The burden of these debts I am sure has an…
-
Help required !
Hi I am not new to this site but have discovered that it is time for a whole no me which means I have to get all aspoects of my life into gear not one or two of them. Heres the deal we arein debt to the tune of £80,194.00 and that is every single penny i owe to everyone. Here is the break down. Loan Mine 18194.00 Barclays…
-
Do inanimate objects know when we are at our lowest?
Just posting for a bit of sympathy and encouragement I suppose.On my way home from work on Friday DH phoned to say that he was being admitted to hospital (been waiting about a week for a bed). It's a good thing for his health of course but not for my DFW budget - car parking is £2 per visit so £18 per week! I won't save…
-
Supplementing income
anyone have any pointers for other sources of income apart from 2nd jobs? im selling on Ebay. mystery shopping - altho assignments are few and far between ive signed up to paid survey sites but ive yet to get anything from them! (if you know any of them were u can do as many as you want would appreciated) so has anyone any…
-
moving house too often?
ok in the last 3 years i have moved 3 times and am now settled for a while but will this affect my chances of getting another creditcard?? my 0% is ending soon but marbles just cut my limit in half so i need some extra for a large balence transfer, should i ring them and close the account but see what they will offer to…
-
need some help and advice
well i have had a phone call from my dad today saying he has had a ballift on his door for me with a letter....... my dad who i havnt lived with for 4yrs rung me said that they have been to his house, a house he has just moved into with his girlfriend in hull where i have never lived at but they sent a letter there i dunno…
