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Warrant to cut off my gas!
One of my outstanding debts is my gas with Scottish Power. Last year just before I lost my job I arranged to switch my gas and electric to a cheaper supplier NPower. My electric switched over no problem but my gas is not through transco and was delayed. I then lost my job and couldn't pay my gas or my electric. I kept up…
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Full and Final Settlements
Hi all I recently made an offer on an account of full and final settlement which was accepted I duly paid within a couple of days. It now turns out that the company will only record on my credit file "partially settled" as per company policy. My question is this, will this stay on my credit file permanantly or after 6…
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stupid problem
hiya all hope u r all having a good weekend, i have a bit of a problem that may annoy some of you i hope not, basically i am spending any spare cash after dmp which is obviously not much at all on lottery tickets as i feel convinced on every draw that this is gonna be our time,,,, could i be anymore stupid,, really need to…
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wheres moozie?! no weekly challenge
hope you are ok moozie? we miss you, no what have you spent yesterday and no weekly challenge today take care hun
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Art_student's SOA
Hi guys! I've been on this site for a while now - here's my SOA for you to cast your eyes over and tell me what you think. Do your worst!! Monthly incomings Husband’s salary – 1677.14 Husband’s on call allowance – 117 My student loan (until July) – 500 Total – 2294.14 Monthly Outgoings Mortgage – 797.83 Service charge –…
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Am I really sad??
Since I've had my lightbulb moment (not so long ago) and I have paid off my credit card :j :j :j I get really excited about looking online at my credit card statement and balance (£0) and looking at my decreasing balances on my catalogues. I also don't dread the post in the morning anymore and see any bills as my next…
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Spread payments or pay one by one?
Hi my debts include... -£397.72 on Halifax Current Account -£990.00 on Halifax Student Account -£490.00 Tesco Bonus Credit Card -£1618.00 Sky Credit Card Should be spreading payments on all ie minimum on all each money over make overpayments on one or all... Also do overdrafts affect your credit scoring so its like having…
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How much do you plan to budget for clothes & entertainment when debt free ?
Following on from the interesting replies on my other thread about how much is 'enough' money, I wondered what amount of money other posters intend to allocate for clothes and entertainment once they have cleared their debts ? I am fortunate to not have debts anymore, but my income is not great (£13,000) so I try to budget…
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please help me! :(
it seems that my marriage is over and the only option now is divorce. the problem is that we have a large amount of debt (£35K) which with combined income has been serviceable but with my income (£30K gross) is going to be a struggle. all debts / overdrafts and loans are in my name only and I cannot rely or trust my…
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Virus,spyware,malware removal tools
Easy to remove virus,spyware and malware. http://www.rosemaleen.com/computer_security/
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council want 2 weeks rent after 7 years!
Hi, hope someone can help :) I moved house almost 7 years ago, and was in reciept of housing benefit. A few days ago I got a letter from my local council saying that I owe them over £100 as I should have given them 4 weeks notice when I left instead of 2. So as I wasnt entitled to housing benefit anymore I owe them for the…
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Scottish Trust Deed
Hi My husband and I signed up to a Scottish Trust deed last August, we have been told that we will be able to buy ourselves out after a year (:confused: a family member is going to help us out). Has anyone done this and how have they gone about rebuilding their credit rating? We own a house in another town that my mother…
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Dfw Noob
Hi, been on this site for a while trying to get myself debt free, with suggestions and tips of all you kind members out there, but i still cant get anything paid off so i could really do with some help from you guys. I would be so greatful it would be nice to open a letter with out having to worry how much i need to give…
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Barclaycard with DMP - anyone else had problems?
Hello, When my debt was at its highest and I was having problems I tried to make arrangements with the various creditors and they just didnt want to know. I discovered Payplan from a newspaper or magazine article and went with them. However, I am someone who likes to deal with things myself and after 6 months with Payplan…
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BLOG query
I wanted to create a BLOG charting my progress to beoming debt free and didn't really want to clutter up this site as I will probably post daily. Does anyone recommend any particular sites? I did a google search and about 50,000 came up! Thank you ever so
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Today is a good day :)
According to my Microsoft Money ( godsend ) if i stick to my very tight budget, including my current debt repayments, this time next year barring unforseen bills i will have £2680 in my current account. I will by then only have 2 credit cards left with balances of £1415 and £2123, meaning that i will be able to overpay in…
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1 month update
Today is the 1 month anniversary of my LBM, so I thought I would post a quick update of how we are doing. Cancelled my ISA, frozen my stakeholder pension, queried my electricity bill, cancelled pet insurance, cashed in our Family Bonds, got promotion at work. I have registered with Pigsback and also the daily clicks sites,…
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Any got a number for Barclaycard Manchester
Reicieved a letter from this incompetent lot yesterday, one line of which states that if i am not happy I can call them - but they didnt bother putting a number on the letter. Tried saynoto.... but cant find one on there.
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8.4.07 what small dfw thing will you do/have you done today?
Happy Easter everyone! :EasterBun Let us all know what small steps you will be taking today on your road to becoming debt free. These are the things that you may have thought insignificant, but actually they form the good habits that allow us to make real progress, and to stay debt free when we get there! So, today I will…
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Is this a scam?
