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Savings per month?
Does anyone save weekly/monthly? If so how much do you try to save? What are you saving towards? Any money saving ideas would also be welcomed x
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FAO Lenny
Have made an avatar ditherdad stylee for you... Hope you like it!
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Has anyone dealt with "The Debt Counsellors"
I have had a scout about but can't find anything on this site above them. I am in £17000 worth of debt and contacted them. I was advised on a Protected Trust Deed as I live in Scotland. I will pay £200 a month for 3 years then the rest of my debt would be written off. My adviser stated that I will pay no fees not even for…
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Anything I can do??
Hi I have just recieved my latest Natwest Credit Card bill and been charged interest. I have just cleared over £3000 in 1 month and they still have charged me interest. I cleared by the due date, the £3000 of it was 3 days before the due date and the rest was a day before. This left me a zero balance by the next bill due…
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Another Meet In Otley
Hi guys. changed name of thread. Sorry, my keys were sticking on my comp so the title came out as aniter meet. Only realised when i posted and saw it. Need to keep a closer eye on it. Right to start again. 1. Smashedbooboo 2. Weller 3. newleaf Will check on old thread to see if anyone else wants to join me in otley.
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DFW confessional...
Ok.. so after getting rather drunk last night I opened my bleary eyes and thought it was sunday.. The postman kept banging on the door even though I was ignoring him and I wasn't impressed having lost count how any vodkas I hd last night... but in my half comatse state I had a revelati0on and felt the need to confess my…
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What have / will you spend today? 28/04/07
morning all... its saturday... but i only have 2 days of my holiday left :cry: anyways although sat isnt budgeted keep it low :T miss you moozie, pop back some time :grin: i dont know what i am up to today so i will update later tonight... have a lovely saturday... after all the sun is shining :rotfl: hugs to all those in…
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28.4.07 what small dfw thing will you do/have you done today?
Welcome to the weekend :D We all know that the big changes can make an instant difference to our finances, eg cutting up the credit cards and cancelling Sky or the gym membership. But once we have done all the bigger stuff it is sometimes hard to realise that we are still doing DFW stuff each and every day! They may be…
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Freebies or supersavers?
hi everyone! does anybody know where i can buy nice jewellery, leather products, good quality clothes etc without spending thousands. i love nice jewellery and quality stuff but im fed up of spending loads of money on these. im sure there is better places than Bond Street where i can spend my money reasonably on my hearts…
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help for daughter
My daughter has just informed me she is in debt to the tune of £30,000 and has been served with papers for a CCJ. The bank that has served her the CCJ will not reply to any of her letters or emails and will not give her details of how to make payment on the account, does anyone know what if anything we can do stop the CCJ,…
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Credit Solutions Northern (CSN) - help
My wife recieved a leeter dated 16 April, to our old address. (we moved oct last year). They have been asked by Hitachi Capital to recover £83.12 on a loan for a sofa. This payment was covered by the CCCS DPM, however the CCCS worked on an estimated amount, so stopped paying it December. Now my question is, this is the…
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posted letters to some creditors
hi ,just a quick update ... i have posted letters out to some creditors to day including scotcall :eek: as they will be phoning me as i have missed payment . basically in the letters i have offered them a token payment ,included my budget plan for myself and the children and have said if my situation improves i will be in…
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Official receiver, can he do this? Can I do that?
I have a pension of about £5,000 lump sum and £100 per month which I have been told the Official Receiver can look on as acquired income after bankruptcy if it is cashed in and take this money from me. Can he do this? Is there any way I can protect this money if I do cash it as I need more than I am getting from the…
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CCJ advice...please...
Hi all, I am in need of advise/opinions please. We bought our first home two years ago and since then things have gone from bad to worse. We got a CCJ last month due after we complained about some work we had done on the house (long story). We were called by our mortgage company last week to see if we wuld like a mortgage…
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Cabot, almost finished paying them off but...
Hi, I've just received my credit report from Equifax and it had an entry on it from "Kings Hill (NO. 1) Ltd." I just found out that they are Cabot and I've been paying them over the last year and my final payment is next month. They have also added 1 entry in the monthly status, which is a default. Now, this was bought…
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Need a proper bank account
Hi, I've currently got a basic bank account (with LLoyds TSB). This comes with a cash card I can only use at their banks, which is a total pain. Now, I'd like to get back to a real bank account with a debit card but I was told a while back, I'd have to wait for my credit reports to come back. I'm waiting on 2 others, but…
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reclaiming cc chgs
Hi everyone Ive been reading posts on here and notice a lot of people having success with reclaiming chgs from banks and cc's. I took insparation from this and sent of letters to my cc's first one to respond with statements was capital one. So i used the template and asked for the money back (this was on the 17th of april)…
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Taking the plunge... Wanted - advice please!
Ok here goes, Im a newbie to this and am finally taking the plunge to try and deal with my situ once and for all! I would really appreciate any help, advice anyone can give as well as share experiences with those of you who have gone through what Im contemplating. I live on my own in a 1 bedroom flat in London. Im employed…
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lost my job
and i have thousands on credit cards(my mistake), and i want them to freeze my account until i get a new job, how do i go about this is it a case of just ringing them up?? what do i say when im on the phone??
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Debt Update!!!
Well the time has come as of 10th April 2007 all of the debts which I have been ermm avoiding have finally fallen fowl of the statute barred system, and god damn its a good feeling. This post is'nt about bragging or making myself look charlie big spuds its merely an update for all those people who have helped in the past…
