-
Changing mortgage company when in debt?
Hi guys I have approx £25k-£30k of debt, am just getting my LBM My hubby knows absolutely nothing about this - he opened one of my statements about 4 years ago by accident and paid off my card for me - since then, I have acquired so much more debt :o We're looking to switch our mortgage as at the time, we just took out the…
-
losing control
so we've been back home from holiday for a week and my budgets and debt totals are completely up the yingyang. On Wednesday our hardrive had a catastrophic crash and I have lost EVERYTHING. All my budget, debt totals, payment tables, spreadsheets, ms money, everything has gone. We contacted Sony and they say we need to…
-
Finally facing it - Any advice appreciated.
Hi all, well here goes then… Monthly Incomings: My salary - £700 Partners salary - £2,000 (although all our finances are completely separate) Total - £700 Monthly Outgoings: Mortgage/Rent - £300 Council Tax - £40 Gas - £15 Electric - £20 Water Rates - £15 TV License - £5 Internet - £20 Phone - £10 Food - £80 Leisure - £60…
-
Why does money make u feel so low????
Afternoon all I gave up my job bout 2 months ago due to wanted to spent more time on my business. We everything go fine then u have a bad week, We trying to do the house up, Pay the bills is not the problem it the mortgage. just pay £149 for the water bill. I feel so low. I have one credit card with bout £900 on it. i…
-
To Save, or To Repay??
Hi Folks, I am sure someone else has probably posted a similar question elsewhere, but after a bit of digging around this afternoon I can't find anything so I thought I would post anyway! I am an IT Contractor, and have just had a large increase in my pay as a result of a new 12 month contract. I have some debts, about…
-
Anyone heard of Hannover Sterling?
My brother has finally had his debt free lightbulb moment and realised his debts are out of control. I have given him payplan and CCCS web addresses and they sent him info but he has however gone with Hannover Sterling who were recommended to him by a Financial Advisor his bank set him up to see. I have no experience of…
-
Birthday Challenge
OK I'm setting myself a new challenge in the hope it will kick start my debt free lifestyle yet again. It's my birthday on the 23rd of may and I want to reduce my debt by an additional £250. This is on top of what we already plan to which is £990. I'm going to put the additional £250 towards my Beneficial Visa card which…
-
Triton Credit Services
Hi I have recently recieved a letter from Triton Demanding full payment of £2633 for my natwest card which i have been slowly paying off as much as i can , the letters they have sent are not very pleasant , they are asking me to phone which i am not going to do as I think they will be stroppy on the phone and i will be…
-
Help! Newbie in panic state!!
Hi I have been reading the website for a few months and realised that I really need to do something about my debt and financial situation :T . I popped out of the office this lunchtime and bought Martin's diet book :j , I've only read a little bit but have asked my best friend to be my Money Buddy! Here's brief outline of…
-
newbie to the forum
hi,i have been reading some posts and have decided to join the forum. my debts :o are as follows...... vanquis visa...£378.73 grattan catalogue...£9.76 scotcall recovery...£59.02 npower....£305.61 great universal...£145.25 kays lifestyle...£311.57 ndr recovery...£729.74.... provident loans....£1400 ( think i have just…
-
Got some money which to pay off?
Hi, I am getting some money through (about £1000), i have a few smallish debts and a couple of larger ones i was wondering which i should pay off. I owe Argos - 121.98 - Defaulted Busy Bees CCJ - 737.77 Comet - 132.80 additions - 58.87 with a default. Which comes to £1051.42, which i can pay off. I have other debts but…
-
Getting closer and feeling pleased with myself
Some money I had been waiting for came through today and with that I halved the balance on my credit card :T this means that by the end of May I will have one less debt! After that I only have one to go :D If I manage to get a job this summer (I have a course finishing in June, should be starting a job in September so will…
-
hamptons Legal Section 69 County Crts Act 84
This company have sent me a letter claiming that if they take legal action upon me interest will be charged against me using a Section 69 of the county courts act 1984. They appear to be the same company as Lowell Financial that Ive been having letters from as at the bottom of the letter is in tiny text the fact thats this…
-
Help regarding a rent debt
This is for my neighbour - so all I know is what I post that she has told me. Her partner owes the council £2,000 in rent arrears (which have come from a former landlord claiming housing benefit after he had moved out - he didn't inform the council that he had left the property nor dhss) The council have issued an eviction…
-
Will banks write of debt??????
Hi Guys, my business failed ( online E-commerce) basically priced out the market and far too much competition. Left me with £12k overdraft. when my limit was £5k Bank ( HSBC ) aren't exactly helping much, asked them for help and all they offered was a managed loan at a huge rate of interest around 19% Has anyone ever had…
-
Tracing a cheque
I got a cheque in the post this morning for £21.00 And nothing else. I don't have a clue where it's from. It's sent by Chexx Inc. and has a tracking number but I can't find anywhere on their website which might explain where it's from. Any ideas how I can find out?
-
Money Well Spent?
Hi All, Just thought it would be interesting (no reason/agenda, honest) to see how many people on here would class their debts as being "money well spent". Looking back, how much of your debt would you spend again? How much was just "invested" in beer, cake, junk, etc? Personally, I'm around 50:50. Half my debt's from my…
-
Would you sell story to a magazine?
Hi guys, As you are all aware i did a carboot yesterday with a couple of friebds and in between customers we were reading some old magazines. My friend suggested that i should sell my giving birth story and my should be dead story as its £500 a story. what do you guys think/ i'm all for easy money but is this the right…
-
advice needed please
Hi all My name is Jason and I'm 20 I currently owe £2000 and I have never really been in debt, I have to pay money back to the bank today I do not have the money to pay back the amount they want of £360 and they want it today I have bought as much time as possible what do I do in this situation? thanks
-
Letter from debt collectors - storecard from 1998
Hello all, I've had a letter today from a debt collection agency asking to collect a debt from a storecard from 1998, which went into default in 2000 (they say). I did have a storecard with this particular company, but was sure I had paid it off shortly before the birth of my first child in 1999. I can only think that the…
