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Have I Done The Right Thing?
I just need some reassurance that I have made the right decision in my situation. I've just consolidated most of my debt into one loan so my situation has now changed like this - Before - Loan=owed £201 + paying £40/mth, Overdraft=£1380 + paying £18/mth interest After - Loan=£1700(plus interest) + paying £66/mth This…
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Is it worth shopping around for a vet?
Having decided to get my finances in order, was feeling positive,then realised dog is due her booster and kennel drops next week. Phoned the vets, will be costing £45.00 Is it worth shopping around for vets or do they mostly charge the same prices? Would appreciate any pet money saving tips too :o
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DMP Advice please...
Hi there... was hoping to enter into an IVA, but was told by Payplan I would have to include my wife in this as well, cause although most of the debt is mine, we have one joint loan and so they would only consider an IVA if both in it which is NOT good. A DMP with Payplan would involve her being involved as well...I am…
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10p listing on ebay!
I made £48 last week and just put more things on to sell. nows the time to get selling and put towards your debts! :beer:
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Holy Cow!
HI there I wondered if someone can advise me???? I have received this morning a statutoty demand under section 268 (1) (a) of the insolvency act 1986. Debt for Liquidated Sum Payable Immediately, from Cannought Collections Ltd - The Creditor 1st Credit (finance) limited for the sum of £13,000 who are they???? they are…
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I feel sick _pale_
I applied to Payplan last week and have sent off all my letters to my creditors (last Thursday) I am waiting to get the correct amounts for all my creditors so I can send them my statement of affairs (or whatever it's called) Today, I received a letter from a local Solicitor acting on behalf of HSBC to recover the debt of…
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Credit Report
How do I got about getting mine? Do I have to do one for each address I have lived at? Is it expensive?
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How far ahead to budget?
I keep a monthly spreadsheet of all bills and whatnots and what we have spare etc., but just wondered how far ahead do people work? I have split all non monthly bills as if they were monthly and put money away from them, but I am tempted to start working on June's spreadsheet already (May got done ages ago - I have to…
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Help!!!!!!!!!!!!
Please some one help, I'm 19 and already I'm in up to 7 grands worth of debt, 1000 of that is a overdraft that I don't have, I haven't paid any thing back into the account, as every time I have before they've bought it back up with charges and I'm getting no where, I'm so stressed and I can't take it any more!
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4 year old debt - only just been notified
Please can someone help me? I have received 2 letters this morning, one from T-Mobile, telling me that my debt to them of £79.90 was sold to Lowell Portfolio I (a debt collection agency) in September 2006. The second letter was from Lowell Portfolio I informing me that they intend to collect the debt from me. Having…
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Direct Debits!
Hey, Can some one help me please! The bank keeps charging me for direct debits that I have cancelled and I'm getting further and further into debt, Can they charge me for cancelled direct debits!
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Direct Debits!
Can I be charged for direct debits that I have cancelled! The Bank keeps charging me rediculous amounts of money for direct debits that I have cancelled!
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Asset Link Update - Advice still required...
Hi I posted a while back about an outstanding debt with Asset Link Captial, see thread below for more info http://forums.moneysavingexpert.com/showthread.html?t=401716&highlight=asset+link Since then, they have been to the County Court to get us to pay more than we could afford and the court sided with us on paying them…
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trying to help others become debt free
Since joining here, I have been on a mission to help other people I know become debt free. However, I don't seem to be getting anywhere! I think I am willing them on to have their lightbulb moments but so far it hasn't happened. I am trying to explain the perils of consolidation, the greatness of the snowball calculator…
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£360 Bank charges refunded automatically by Cahoot!
I really wanted to share this as I'm really happy! I'm in the process of changing my DMP from the evil Spectrum to Payplan. I logged in to my Cahoot bank account for the first time in a year (since I started the DMP) to find that they were charging me £30 per month for an unauthorised overdraft fee, as they took my…
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how much have/will you spend today??? - thurs 19th april
morning guys :D it's a bit damp up here this morn, been raining through the night but at least I don't need to worry about watering the garden :D woke up this morning to find that someones cut the foot long grass too, saves me doing it! well I was planning on a nsd today to follow yesterdays one but realised that I'm going…
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Calculator wanted - any help pls
Does anyone know off a comprehensive mortgage calculator that takes into account arrangement fees, monthly overpayments, offset savings etc. that I can compare costs etc to get the best deal!
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Another AQA question
I have applied and done the test etc, but a a little confused over something, and hope you can help. HOw exactly does this work then, re questions? If I am successful, am I going to definately get questions and thus be paid, or is it a fight to the death amongst several researchers to see who can get there the fastest?…
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Bankruptcy help please
Hi there, I need some help with a query. Friends of ours borough two lots of money from us £700 without a formal agreement (through bank transfer) and £1650 with a formal loan agreement (through bank transfer). Our friends are now in the process of declaring themselves bankrupt. I don't know anything about the process and…
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How much do you budget for your holiday?
Working on my budget just now but don't know when it comes to holidays how much to set aside each month. :confused: Having never really been abroad with my 2 boys before it's something that I'd quite like to start doing but don't know what would technically be a sufficient amount each month to save. What do you all budget…
