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new bank account needed
need a basic bank account, any suggestions? have a 1500 o/d with hsbc if i move banks can i put this 1500 on my dmp? thanks
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26.1.07 what small DFW/MSE thing will you do/have you done today?
Hello chilly people! Today I am attending a mental health fair at our local uni so will be taking a flask of coffee so that I don't have to spend out in the student canteen. Only a small thing, but otherwise I can quite easily see myself spending an unnecessary £10. Let us know what small steps you are taking today towards…
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Debt Free Wannabe - Sad Times Gone - Prospects on the Horizon
Dear All, Firstly id like to say thanks for the great information available on these boards. While i consider my debts to be merely average, i was running a single income household and last year it all got a bit too much for me. I had become very depressed, constantly struggled with money every single month, and couldnt…
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Shocked and desperately need advice!
My husband yesterday had his 'lightbulb' moment and revealed that he's got £50,000 worth of debt in credit cards and loans that I knew nothing about!:cry: I've just given birth to our fifth child (yes, number 5! Ages 11,9,7,4 & 7 weeks) and don't know where to start to sort things out!:confused: Any advice is extremely…
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I will be debt free.
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removing a Default from Credit Report (6 years love!)
Hi there, I was recently refused credit when applying for a current account - yes I know about Citibank now :-) I got a copy of my credit report and found out why, there was a default on there which I had forgotten about, head in the sand, my own fault. I immediately settled the debt, and now my credit report shows it as…
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I was young and stupid - Lots of debtors
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All gone Pete Tong (Wrong)
Hello Over the last couple of years i have gotten myself in trouble with credit cards.Which lead to taking out loans to cover them and no its just gotten so messy. I'm at my whits end as no-one knows my secret and i'm so scared i don't know what to do next. I take home £1600 a month and live with parents. Credit Cards…
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quidco tracking
I just bought my car insurance throught there, and got £120 -nice:j Is it possible to buy TWO policies - ie, if my dad wanted to get his insurance through there, would I get another £120 or would it fail to track?
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snowball spreadsheet?
hi everyone, does anyone know of a snowball spreadsheet? i have tried the snowball website but i'd like to have it as a spreadsheet as it'd be easier to update etc.
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gas and electricity payments
hi this is my 1st posting but i have been a "lurker" for a while. I have been comparing my outgoings with others posted and am concerned about my fuel consumption.I pay my gas and elec jointly to scottish pwer and it has just gone up to£121 per month.We have a 3 bed mid terrace house.2 adults 1 teenager(using most of the…
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Advice paying back a defaulted account
Basically, i had an account - which was maxed out on its overdraft limit (about £1,500). I was naive, and silly (and a student) and decided to 'ignore' this. Without realising, that i was getting post sent to my home address (which i didn't get access to until the summer). When i got back i'd found i defaulted, and the…
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cashback sites
anyone know a cash back site that allow/gives points for holland and barret :confused: so far i have cheacked quidco and pigsback (my only two cash back sites).... but anyone know of a new site that allows this merchant thanks pap
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How do I write a letter to Black Horse re: 2 yr Old Car
Hi I need to write a very important letter to Black Horse and need help. We brought the car via Hire Purchase and took delivery December 2004, On new Years Day 2005 a plate fell off the Air Conditioning but as the car was within its warranty this was fixed for free. Unfortuantley the car is a Rover so manufater warranty…
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1st offer
Hiya I am claiming £1368 from cap 1, I have just received a letter offering £532. Obviously I wont be accepting it, do I send a letter now saying I wont be accepting or just go to moneyclaim. thanks
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Right of appropriation
Hi Can anyone tell me if there is a template to issue a Right of Appropriation letter to my bank? My benefits are paid into my account and I understand that I can issue this letter in order to stop them taking money out before I have money left to live on Thanks
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Council tax arrears - advice needed...
Hello there I wondered if anyone could help.... I have fallen behind on my monthly payments of council tax and as of 1 January I owed £270 for this year's bill. As you probably know - council tax is normally worked over ten months and so this was supposed to be my last payment. I missed December and January's payment.…
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Capquest Debt Recovery
Please can anyone confirm what I found on the following web site today? http://www.grumbletext.co.uk/vt.php?t=1331&subj=complaints+Capquest+Debt+Recovery+complaint The general jist of the forum explains that Capquest, and I don't know if this applies to all debt recovery agents, are not legally allowed to take you to court…
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Freezing Interest
Hi there, I'm in debt around £12,000 , i would like to be debt free..... so i came across a debt management agency and was wondering if anyone could advice me on it... i think is called the debt people.. anyway im not sure of what they mean by freezing the interest rates and they will act on my behave for me and talk to my…
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Rage: Halifax. Credit Report Question
I am absolutely furious with Halifax. I received a letter from credit card services last night telling me they were reducing my credit limit - out of the blue, no reason. Read it once and thought "Pfft, losers, am I bovvered?" I was going to reduce it anyway, but then I got accepted for the Virgin MBNA card so didn't…
