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How much have you spent today Saturday 4/11?
Good morning lovely DFWs :D Beautiful morning down here for me :D as I've only just got out of bed! I had breakfast brought to me as well as coffee and magazines, to help me recover ;) OH is very good at all this nursing stuff so I am going to be poorly for a few days yet :p In fairness, the toe is not hurting at all today…
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Abbey, First Credit, Mortgages and Stress
Oh Gosh - Just when you think things are getting better, something happens that throws you for six and you end up spending the day in your pyjamas watching the Poirot weekend:eek: As some of you know i got a letter from the Abbey saying that a debt I thought had been cleared was still outstanding (3 years after I last…
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My sister is currently in an IVA through churchwood financial - kingsgate insolvency deals with the payments to the creditors it seems the biggest creditor has only been paid £1.20 even though she has paid over 3k!!!! Has anyone heard of them?
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why do i bother!!!
hi all just wanted to vent really, OH is at work and don't want to vent to the kids! I have tried SOOOO hard these last couple of weeks to save as much money as I can, (oh works like a horse and our money never seems to go anywhere!) BUT in the last week I have had to have new glasses £120, dental bill £30 (usually £6 for…
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how bout a saturday yak...
Not the animal.. I mean chat LOL. I'm bored at home with nothing to do but housework to do which I'm desperately trying to put off, and trying to keep my toddler from drawing in bright red pen all over the carpets and walls. We are going to Dh's sisters bonfire night party tonight so looking forward to that but until then…
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Tips on paying off overdrafts -3500 pounds
I currently have three separate accounts, all overdrawn: NatWest - 2250 NatWest- 950 FirstDirect-500 Having sepatated from my wife 18 months ago ntil about a year ago I only used the 950 account and then I got given a car and whilst it didn't cost me anything the costs of motoring in general plus some major work that…
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Creditors selling debts well into an IVA?
Didnt expect this to happen. My largest creditor voted in favour of my IVA application but 4 months in has sold my debt on to Eversheds. Is this normal?
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bit more positive
i'm feeling a bit more positive this morning. I've had a bit of luck thats made me believe there are kind people out there and that I need to get off my bum and stop feeling sorry for myself. So I'm off to pay my rent this morning then come back and start phoning every single pub in the area till they give me a job! I'm…
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Ok Im ready lets get these bank charges back!!
morning all, our overdrafts with lloyds are practically paid off now and i thought i havent got nothing to lose by trying to get my money back.. me and oh have both got current accounts up and running else where so losing the lloyds account wont matter.. can someone point me in the direction of a template for the first…
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Bankruptcy Date 09/11/06
Have my date for bankruptcy on 09/11/06 (my birthday). Think I am doing the right thing. Have found this site a great help with many of my questions answered. Really scared of the day itself. :confused:
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Cutting back debts
I need some help in cutting back my debts, as my 0% cc is coming to an end. I applied for a new 0% card and was turned down - I actually applied for 2 at the same time and was declined. My Credit File is fine, but I think as I have a high limit on CC and 2 other loans that may be the problem. I've got £2800 limit with…
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Is It Time To Ditch Payplan?
After being with a debt management company who where chargeing a fee for me being with them I decided to go with Payplan and what a disaster it seems to be, the old saying you get what you pay for certainly is true. I signed up with them mid Sep this year, after me originally not receiving the "Sent" documents they sent me…
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CCCS question....
Hi everyone, I'm due for my 6 month budget review with the CCCS on monday, my question is will i have to send them my wage-slips again as I've misplaced the most recent ones!!! thanks for any help best wishes Luke:beer:
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SOA - any suggestions?
Warning - its a longun'.. been reading for a while so have made a few adjustments to try and a) reduce my spending and b) repair my credit so that I can pay off the debts but I'm sure there are things I have missed and I need a few pointers, so any suggestions gratefully recieved. My main problem is that I fritter money…
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credit agreements?
erm i just briefly read that if u have not signed a credit agreement its not legal ? that right i never sent the credit agreement back to next when i started to use my account
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reduced settlement?
has anybody experienced this ?? say if i was to win the lottery (no harm dreaming) and was to pay all my creditors off i would ask for a settlement figure , has anybody any ideas if u pay the full amount u owe or do some people offer a reduced settlement? ive been paying £1 for 3 months and many have said that is ok for 6…
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Debenhams Store Card
As a new member i am hoping that i am posting in the right forum apologies if not. I am after a little advice my DH has a Debenhams store card with £1600 outstanding we are not in a position to clear this off at the moment but we have been making more than the minimum repayments (£100 plus the interest), but my question is…
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where's the Friday night DFW party?
Where's the DFW party?! I' ve logged off from AQA - had half a bottle of Asda 3 for £10 cava, got a HM pizza in the oven and 'Get into the Groove' playing on the radion (wave105.com if you fancy joining me in the glitz mix Friday night fun!!) OH has gone out - is the party at my place?! :beer:
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Earning extra cash while on maternity leave?
Officially started my maternity leave today (woohoo!) and my boss has offered to pay me to go in and do some redecorating and painting displays (I've always been classed as the 'artist' of the nursery where I work and recently redecorated the bathroom which they were really pleased with.. My question is as I'll be on my…
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