-
whats the best way to clear my debt
I have £13k debt over two credit cards and i cant seem to pay it off! I own two houses one which i live in, the other I rent out! I get married next yr and will be getting a house next yr! what are my best options to pay off this £13k debt? I have 3 options: 1. remortgage my buy to let property (which needs done anyway) 2.…
-
Do DCA acknowledge...
Payplan ? we were told it's easier for payplan to get DCA's to accept dmp than actual creditors . Worried about having visit's from DCA's as we have children and very nosey neighbours. Many thanks craftingueen.
-
Aaron's Debtstiny
Hi everyone, i have been amazed at how many people are in the same boat as me! (it's obviously a big boat too!!) I have joined up because i sit down sometimes, i work it all out penny for penny and yet month after month i am skint for 3 weeks a week after payday!! :mad: I got into debt 5 or 6 years ago in my early 20's and…
-
being a house husband
I'm sorry if this is not quite the right place for this, anyway my OH and I have been discussing our finances and seeing where we can make cuts. One of our biggest outgoings is child care at over 698 quid a month, which works out to t2/3 of my OH wages. I've worked out that if we didnt have to pay child care we could…
-
Statute barred debts
I know this appears regularly, but I have a question (on behalf of a neighbour) I know debts become statute barred after six years, but say you recieved a letter demanding payment and went ahead, could this payment then be reclaimed (was only within the last couple of weeks)
-
Carl Lewis Treadmill
-
Woo Hoo - I made some money
:j I did a car boot this morning and took £279.40!! Will keep £20 out for taxi tonight (off for a meal - all paid for with free bar, but can afford a taxi now rather than drive :beer: ) The rest will pay off some debts on Monday in cash at the bank - if I keep it, I'll spend it :o Well chuffed to say the least!! PS, can…
-
CSL / Barclayloan problem
Hi all, hope you can help me here with some advice: I had a loan with Barclays around 6 years ago, but ran into problems with this and my other debts and entered into a debt management plan. I decided to go it alone and cancelled the DMP to which all of my creditors have agreed except CSL (Credit Solutions Ltd). I rang…
-
I'm scared ....
I've only got 19 hours till the marathon starts and I'm getting really nervous now ... anyone around for a chat ??? Luckily all the advice says have a restful day the day before the marathon ... so what better than mse-time??
-
Dealing with DCA
Hi, I had a credit card balance of 4800 and a chargecard balance of 1800 with American Express. Both accounts have just been passed to Newman DCA because I missed a couple of months payments on the chargecard alone and they couldnt contact me when I was abroad. My own daft fault for ignoring the problem. The accounts were…
-
how much have/will you spend today??? - sat 21st
good morning lovely dfw's!!! it's a bit drizzly up here today, but it's stopping me wanting to go outside so I'm at risk of actually having to do my essay's for english :eek: well last night I spent £16.30 on my night out and £1.99 in asda on lunch/munchies at work. :D today I will need to go out at some point, might pop…
-
21.04.07 what small DFW/MSE thing have/will you do today?
Morning all, couldnt find this thread anywhere so thought I would start it, hope you dont mind Hypno!! ;) Let us know what the small steps are that you are taking today - the sun is shining and it is a saturday so be proud of what you achieve today. Today I will be: - Dancing around with a grin on my face as the bank…
-
Where has last nights party thread gone??
Morning all ... just wanted to catch up with what happened after I went to bed and it seems to have gone ?? :confused:
-
Warning to students, the banks are out to get you
I want to warn students of the irresponsibility of banks in dealing with students. My son who is at uni lost his job through an accident so was unable to put money into his student account. He was a mere £28 over his overdraft limit, I went with him to the bank (HSBC) to try to sort things out as they had cancelled his…
-
Pulled my credit report without permission
Hi all, long time no speak! The joys of a new job and 3 kids :rolleyes: A company that I phoned to request a catalog from have done a credit check and subsequently declined me credit. I did not know they were going to credit check me, I certainly did not give my permission, and I am very concerned/cross. What is my best…
-
Ivas
Ihave read alot recently about IVAs and ahev got the idea that they can affect how you reclaim bank charges, I dont actually have an IVA but am a debt free wannabe, can anyone tell me do IVAs help? How do they work, and what do they affect and how?
-
how much have/will you spend today??? Sat 21st April
Hi all, lovely sunny day today, still in holiday mode so up mega early... anyways hope you are all well this saturday morning... and i hope the sun is shinning on your park of the world :) i know its saturday but still try and keep it low guys ;) Anyways i am spending £10 on mobile credit, this is my first topup since…
-
debt from 11 years ago!!!!!
a debt from 11 years ago caught up with me today, do i have to pay it or can i tell them to do one for another 11 years?
-
Hello all!!
Hi everyone, I feel quite ashamed reading everyones posts for the last few weeks without logging in and introducing myself. Before I post up an SOA I would like to say a huge thank you to everyone on this board! This is a truely amazing place, not just for the advice, but mainly for the support every poster offers. Ok, a…
-
Bankruptcy at 25 and running own business???!
I am strongly considering declaring myself bankrupt. I am only 25 and I have just gone self-employed to run my own freelance business (Sole Trader), so it is a depressing prospect to say the very least. On the other hand I have £10,000 of debt in Credit cards and student overdrafts (excluding a £12,000 student loan) but, I…
