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Debt-free wannabe

Archives for April 2007

Help Need Some Advice
My mother told me to put a post on here to see what others thought!! I am currently 6 months into my DMP. I recently (jan) had an unpaid debt catch up with me!!. I disclosed this to the DMP people and they stated that they would not add this to the DMP and that I had 3 months to clear it!!. The three months is now up and I…
Help Plz
about a year ago i was in debt with moorcroft for a phone bill as i had a work acident and couldnt afford to pay it when i got the money together i phoned them up to pay it off they offerd me a settlement for £111.something pence so i told them to take the money from my account. last week i got a letter from buchanan clark…
please help me
hey you guys, hope you can help i have been a member of this fab site a while and i feel slightly guilty but only had my light bulb moment yesterday...:o ...i want to have a blast at an soa to see if and where i can save money i don't find my self struggling too much but want to clear my debt's and have a healthy bank…
I was wondering...
whilst cooking my jacket spud, I started to think... Is there any correlation between our debts and factors out of our control. I.E Does your birthday, and therefore star-sign affect how susceptible to debt we are? I know a lot of people dont believe in horoscopes etc. And I must admit I dont follow mine, but I do believe…
budgetting advice please sweeties
hi guys, right cards on the table, I'm in desperate need of budgetting help. When I get paid I try and make a list of how much to spend where and when but it always goes pie eyed in the first week :eek: so basically I need a new plan...the best thing I can think of is summit very basic, I'm going to get several money boxes…
Info for a DMP
Hi. Can anyone advise me on this one? My current debts are massive and I think the only way out for me is a DMP. My OH doesn't know and I just can't tell him just now. (Explained in previous thread). I have loans with TSB and Northern Rock and also credit cards with Virgin, Mint and Capital One (SOA also on previous…
Help please!
Hello New here, and have read some of the posts and realise that I am in a very similar situation as others here. I apologise in advance for the novel I'm about to write! I am stressed out and thinking of nothing else but my debts. I arranged a DMP through the CCCS in October 2006 (thank God for them!), having 7 different…
Cant pay CCs due to illness - can anyone help please ?
Hi, I am in a bit of bother, and was hoping i could get some advice please from the forums. (I am also going to the CAB tomorrow, so getting some advice from here first will be useful !). I have been unable to work due to illness since last summer, and my only income is Incapacity Benefit. Up until March, i have been able…
I can do it!
Sorry I need to start a thread to keep me motivated.:money: 4 My car's air-con has packed up - even though it's been regassed(£100?) 2 It needs a new clutch (£300?) (£30) 6 It needs a new bumper (free) spraying (£100 unless can get cheaper quote) 1 It needs a new fanbelt (£14.10) (£8) 3 I need a tooth rebuilt (£190) 5 I…
What do I do about this CIFAS stuff?
Hi, I've previously stated that I got a credit report back from Equifax and that it contains 2 entries at my previous address in the CIFAS section. Both entries are recorded this year, I've not lived there for 2 years. Both classifications are "04 (99)". Also the DOB's of the person involved is 01/04/78 (not the same as…
Grrrr...Northern Rock
Just got home from picking kids from school,to find OH up (works nightshift) and talking on the phone. When he had finished talking to them he explained they had phoned and said we were in arrears etc... and he told them that we were with payplan. They said that was not good enough, my husband said we had no funds…
someone else using ebay/paypal/phone
I am unsure if this is the right board to post on. A colleague (not me thank goodness really!!) is having a nightmare with her ex using her accounts. Ages ago they had 2 phones on one account(mobiles) when they split the got his re-registered to him. Up to now her credit rating has been fantastic. He got the phone…
Advice on Full & Final Settlement to creditors
Hello! Having spent months looking over many threads a gleaming so much invaluable information from them, I'd be grateful if anyone could offer any advice with regards to Full & Final Settlements. Background info: 1) Debt held between myself & OH. 2) EAR/Accor are providing free advice service and have been contacting…
HELP!! - Being harrassed by a debt collector...
Hi All Anyone had any dealings with Buchana Clark + Wells ???!! My partner received a formal demand for a gas bill which she is not liable to pay. - she wasn't living in the property at the period of the gas bill. (British Gas card meter) When we rang we were assured that if we send the tenancy agreement for the property…
What have/will you spend today - 30/04
Hi everyone :hello: Don't see this thread anywhere today so hopefully nobody minds me making a start on it. This is a thread to keep track of daily spends, particularly useful if you're taking part in LJ/Moozie's Sunday to Friday budget challenge. Feel free to join even if your not and let us know what you have / plan to…
Yay! Payrise!
Happily learned last week I am getting a payrise from May's paypacket :beer: . OK it's only £651 per year (which is 2.85%) but I am going to use it to pay off Barclaycard. I have just amended my S/O to BC from £70 to £95 from next month so feel good about that already! Also have updated my sig for the first time, as only…
66k in debt but things are starting to look up
Hello again and huge thanks to every one out there who is trying to help. The good news is first payment from DMP goes out on 25/05/07 so will start to make a small dent in debt. Last time I posted I forgot to add that interest has been stopped on all my debts, so that is a small blessing. Bad news is bl***y Link Financial…
If I 'settle/clear' my debt with a creditor, can I then claim a refund of charges?
I know this is an extremely cheeky post, but a valid question nonetheless: I owe the Royal Bank of Scotland about £16k (£15k unsecured loan and £1k overdraft), and I have just sold my appartment (to stop creditors putting in a 'charge' on the property) and released a healthy lump of equity. I have discussed using the…
Newbie in need of some advice please!
Hi I'm wondering if anyone has any words of advice for me. I'm only 22 but have about £10,000 of debt without including my student loan which I would like to clear before I get a house and have a huge mortgage to pay so I've had my lightbulb moment and decided that 2007 is the year to try and become a bit more solvent.…
Letter after refusal of payments
Hi all, Has anyone got a copy of the letter you can send when a creditor refuses your payments? Barclays hacve declined my offer of payment, despite me attaching a SOA and budget. They can refuse all they like, it's as much as I can afford!

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