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How much will you/ have you spent today 28th November?
Morning all, I couldn't see this thread today (please move if it is a duplicate). I am trying not to spend today, I have a client dinner tonight so that will be a non spender (and it's in one of my favourite restaurants so I will be having 4 courses!). Will try to leave promptly and get a tube home, and not spend £20 on a…
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HSBC loan--Can we negotiate?
Hi, I have a HSBC for too much which I am having problems paying although I have not missed a payment. Everytime I go the bank to talk about it they increase my overdraft. I am in the process of trying to cancel the PPI but want to try and negotiate the payment on my loan. Is this possible and if so what approach should…
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One Last Hurdle to GO!!!!!
Hi Guy's, I just want to post this as a way of saying thanks for all the helpful tips and insightful pointers I've picked up from this board. As of yesterday I've cleared approx. 24K of outstanding debt. I have now cleared all my credit cards, overdraft, bank loans, store cards and various other bits and bobs. My current…
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What money advice did you get when growing up?
Hi all I was just thinking about what advice I had/was given about money when growing up and trying to understand why I got into debt! I take full responsibility for my debt, but wandered how other people in debt have been taught with regards to the value of money, were your parents in debt, where they good with money??…
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Morgan Stanley advice please..
Phoned MS to close our account as we just sorted our finances out(..again!) and got a really nice operator,yes I know the two don't really go together... Story is we were paying ridiculous rates with them for XX years asked three times for a rate reduction and they wouldn't budge PLUS they stiffed us for £411 for PPI we…
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Could it really be a tax rebate?????
:o Hi everyone - really need your help. when we got home last night there was a letter for my OH from the inland revenue. in the tax year 2003- 2004 he was working in a pub for pretty much next to nothing and apparently (according to this letter) the 1st £4000 and something you dont pay tax on as its a personal allowance??…
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Bloody rip off book clubs
Can anyone advise me as to what I should do; whilst signing up for freebies I somehow managed to subscribe to 2 book clubs!! I have to buy 4 from each before next October, but they just have rip off after rip off, e.g ordering via website means cheaper postage... but higher priced books! The cheapest books (& usually ones…
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By brother and his debt
Hiya guys, my brother has recently lost his job and due to this he has given all his creditors the big FU! He's avoiding them at every cost, and he's getting served with default notices every day, he's even had a caller come to the house. He has several debt collectors after him and as his brother I'm concerned. Is there…
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Your suggestions and help is welcomed
Hello everyone, newb here, don't hurt me ;-) I bought Martin's book a while ago and have followed quite a lot of the tips in it. I looked at these forums and never thought to join up as I thought I had everything under control, but apparently not, as I am pretty much back to the point I was at 6 months ago, albeit with a…
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1st Time Poster - Need Your Views
Ok So I am very embarrassed to be here but things have come to a head! I am in debt to the sum of approximately £70,000 on credit cards used to pay for work on the house, cover my wife’s maternity, paying for high ‘cash’ interest rates. My fault and I am not looking for sympathy! OK down to my question. Should I go for an…
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If things carry on Im going into alot of debt, ideas please!
what do other early 20's do in there spare time which doesnt cost much money and is entertaining, All my freinds inc me just seem to get drunk and nothing else which is good fun but im getting bored after 5 years of this and my debts are reflecting the fact that i cant really afford it, im over spending by around £200 per…
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Hire Purchace
Hello, I was a silly young man. I went to the car garage about a year & half ago and bought a 2nd hand car - 02 plate - on hire purchace. It is a nice wee black punto sporting. It was valued at £5500, I didn't have the money so opted to pay it up each month. I took this option over 4 years, and currently pay £150 per…
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can i believe what i am reading
i have just looked at my quidco balance and yesterday it stood at £40.11... as you can see from my sig at that rate i was unable to buy my wii (8th december) and had to put less into my savings this month... i just checked my balance and what should be payed the end of this month is now £137.56 - £5.00 admin fee = £132.56…
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Utility late payment punitive charges
Hi folks, Don't know if this has been covered but I've noticed that both ntl: and BT charge £10 and £5 respectively for late bill payments. These charges seem punitive and thus unlawful. Has anyone successfully argue against them or taken them to court? I'm suing ntl: at the moment because I've had nothing but problems and…
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Have the thread police been
I've been away for an hour and now all I get is invalid thread.
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Paid off TWO cards today!
Hey all, as the sig says I paid off two cards today, Oasis and USC. One was £77 and the other £21. Granted, was paid off with o/d, but o/d is interest free so thought that was the best way to go :-)
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SOA and Unsecured Debt Advice
Hi all, I've attached my latest SOA. The SOA may look somewhat unusual as I live at home with my parents and rent my flat out. Rent/Mortgage 635 Service charge/ground rent 0 Water (supply & waste) 0 Council tax 0 Electricity 0 Building and contents insurance 40 Landline 0 Internet 0 Mobiles 10 TV licence 0 Spares/servicing…
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Downhearted
I am feeling really low at the moment, its really hard trying to keep costs down at this time of year. I started off at £18 k worth of debts at the end of Oct when I had my lightbulb moment, I am now at £17k all at 0 per cent, I have payed the store cards off first but will not be able to pay anything off my debts in…
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Ideas for free bits to put in Advent calendar and stockings
Hello. It was brought to my attention at supper tonight that it's December on Friday - :eek: Time to get out the felt Advent calendar with pockets, but what on earth am I going to put in it? I might be able to manage £2 or £3 on bits to put inside it, but I'd like to avoid even that if possible. This is for our four year…
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At Last am dealing with my Debts
After months off worry, sleepless nights etc. i have finally come to my senses and dealt with my debt. I have a business and we have had a slow year, added to that I am a slient partner on another business with a so called friend. The so called friend has run the business into the ground and I have gave her help and more…
