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Help Advice Help Advice Help Advice
Hi I have £27000 of debts from a previous marraige . I want to get rid of theses debt I currently only pay £1 to 7 Creditors except one which has caught up with me throuh my ex wife as we had a joint account but i accepeted it as part of my divorce and no one knows where i am and havnt for a few years. I can start paying…
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credit rating
hi does anybody know if i was to pay of all of my debt tomorrow how long would it take for my credit rating to improve?
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Debt help
My partner has a loan with the bank of scotland could she manage to transer that debt onto a credit card with 0% interest.Any advice would be much appreciated.
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My house is worth £350,000
so I heard a work colleague saying the other week ;) Which left me wondering, when people talk about debt, do they refer to total assets - total liabilities (i.e. include equity in the house), or only whatever debt they have in respect of loans, credit cards etc? Someone with £200,000 of equity in their property might…
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CCCS debt plan - one Creditor playing hard to get -Advice/opinion appreciated
Hello all Money thanks to all in the past that has given me advice. My CCCS debt plan kicked off last month and I am now paying a total of £221.00 per month which makes life a lost easier. I have a total of 5 creditors - one of them, Post Office Mastercard, are refusing to accept the lower payment of £30.85 as suggested by…
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moozie's sunday to friday challenge - 8th april
Hi guys, hope you don't mind me starting this thread but I know I'm a little lost without moozie's great organisation of the challenge and daily spends and I'm sure many of you guys are too. I kinda feel that we aught to elect a second to take over till moozie either sobers up enough or feels better enough to come back to…
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how great have we done
i've noticed a good few of us are feeling like crap just now...so come on lets celebrate how well we've done....this is aimed mainly at pap and mol ...but please everyone join in the celebration.... so far since my lbm day i have cleared off £13,000 of debt i am spending more sensibly and i have met such an amazing amount…
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I've had enough....
Warning, I'm on a big downer so don't read on if you're wobbling today...... I've had enough. One year on from my lightbulb moment and I've been sat here in tears all day. I don't have a happy, positive account of my progress to report as I'm struggling to feel positive about anything at all. :confused: I'm sick and tired…
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My story.....
Hi there all Since finding this site it has really helped me to get my finances on track. It always offers such great advice and people share their experiences along with postive outcomes.. So, I thought I would share my experiences with you and hope this short story may help even just one person in the same situation. Why…
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List of Debts
Hi is there anywhere online that I can find out where all my debts are. I might be getting a bit of money to pay them all off, but need to find out all the companies there with. Cheers
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Need job advice
I've posted this on the discussion board but would appreciate some DFW views as well! Last year I left a job, where I had the boss from hell, and went to one - after I think a good word was said on my behalf !- where my boss is lovely and everyone is like family. My dilemma is that I've seen advertised my exact same job…
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help needed
hi all first post being reading for a while but never joined until now i finally am in a position to clear my debts, i currently owe about 38k i earn about 1100 a month after tax but this is after deductions for my company car and petrol and also my mobile phone bill so i need help where do i start:confused: ive looked…
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The Moozie (in Absentia) What have/will you spend today - Easter Monday thread.
As Moozie is remaining conspicuous by her prolonged absence, I will ask the question: Although it is Easter Monday, many shops are open, ready to lure the unsuspecting consumer, so what have you spent, or will you spend, today Monday 9th April? It is quite cloudy and a bit chilly here, and we are supposed to be going to a…
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So what will you do when you're debt free?
Once all your debts have gone and the money is available to use as you want, will you spend it all on luxuries, or will you become a super saver, or will you pay off the mortgage, or anything else? Personally, I'd like to chuck all the money we pay out on debts into the mortgage and clear that. But most likely we'll end up…
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This Year To Be Debt Free
Hi Everyone, Thought that i might give this a go I (sorry we) myself my wife and two kids (7&9) we are going to try and be debt free by the end of this year 2007. Right what we owed our creditors at the start of this year was £16.761 but we asked them for a settlement figure on the off chance it was small enough that we…
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Are DMP offered by Payplan and CCCs etc really free?
Here are my thoughts and I would welcome some debate on this matter. Firstly Setting up a DMP is expensive and involves a lot of paper work and admin. The financial institutions subsidise these companies to do this. Financial institutions do not do this to feel better about themselves there are sound business reason for…
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How do you keep motivated?
Hi all, I was wondering how people keep themselves motivated? I'm trying really hard to save save save but being quite new sometimes forget when it comes to that unconcious purchase (i.e bar of chocolate you don't need etc). I know I haven't done badly but as we all know every little penny counts so I get cross with myself…
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Default not showing as settled...??
Morning all My OH defaulted with a mobile phone contract over 2 years ago, and says that he paid the full amount off. I ordered his credit files, and none of them show it as settled, although the callcredit one (which shows amounts owing each month) says he owes them nothing. What should we do? He doesnt have the paperwork…
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Urgent Advice Please- Eviction Notice Served
On Saturday we received an eviction notice from the mortgage company to advise we are to vacate the property on 24th April. PLEASE PLEASE advise what on earth do we do. Because of the bank holiday weekend we have not been able to ring anyone. Our current mortgage is 11% interest only and we have equity in the property but…
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9.4.07 what small dfw thing will you do/have you done today?
Another day off :j So why not let us know what small step you will be making today on your debt free journey. This could be something that you think of as insignificant in the bigger scheme of things, but actually, it is forming good habits and helping to chip away at that debt, and to help us stay debt free when we…
