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Shortie SOA... Hoping to go PartTime
Hi I tried an SOA a while back but couldn’t seem to get to grips with it. I’m hoping this is a better attempt… At the mo, I’m looking at the defined monthly outgoings as I’m trying to shave money off these if possible. I’ve been recommended to post here from this post: Ultimately I’m trying to see how close I can shave the…
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Coming up to my first year DMP anniversary with Payplan
Can someone tells me what happens next. Do i need to send in my bank statements for the year? Or does it work like it did for the first year, discussion on the phone and sending a signed sheet into payapl? What happens if I cant afford to pay anymore. Will they accept the same amount again or do i need to allow for…
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Brainfreeze's DFW diary
Hi everyone Lightbulb moment today – well in truth the lights been on but nobody’s been home for a while if you know what I mean. Below is our SOA – which on the face of it is not too bad as the incomings exceed the outgoings – just! A little history behind our problems. My DH and I both earn well, but I have been on long…
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At 27, my life is rubbish.
Ok, I'm just going to have a real moan now and i apologise for that in advance. My Dad is 81 and fought in the 2nd world war. He saw his mates die in front of him and other atrocities and yet has remained positive the whole of his life. He makes the most of every single day and I am totally in awe of him. I, on the other…
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Hsbc??
hi I have sent my 1st letter to HSBC reclaiming bank charge? Has anybody had any dealings with them re this? Good or Bad? :confused:
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Stop the worry
Hi Guys Has anyone heard of this company before? I received a letter from them a few days ago, they claim to be a company of trained councilors specializing in helping people who may have been miss-sold an IVA. I have a bad feeling my partner and I have – We went with Debt Free Direct for the IVA but are having trouble…
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Saturday Nite / Easter Party
Hi peeps! It looks like it's my turn to start the party this week, so here goes. I've put Love Shack on the stereo, got my cocktail mixer ready and the Twister mat laid out (baby oiled as per specification). Drink anyone?
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Newbie - what's the £2 saver club?
Hi all, I'm new on the site, and I have seen people mention the £2 saver club, what is this, I think I'd like to try it. Cheers
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So....just how much money is 'enough' ?
Hi All I have been reading through a couple of threads lately and I was struck by how much incomes can differ and how someone who could be earning 3 times as much as me can be in debt. This lead me to wonder, just how much money do we judge to be 'enough' to enable us to live a debt free existance and have a few nice…
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New SIM - A Previous Offer
Hello everyone. A while ago, someone on this board kindly offered me a free unused SIM card but I can't remember who it was...! Well today, someone very kindly gave me a lovely Sharp flip top phone and a SIM card. (Vodafone). Unfortunately I locked the phone whilst trying to change the security code and then tried (with…
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how to stay positive?
Hi, had a really bad week this week as most of you are aware and was feeling a bit sorry for myself and rather alone if truth be told. I have a partner who is aware of my situation and unwilling to help. Fine i shall do it alone with you guys for support. However i got some good news when i got my head straight and have…
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I should know better
Hello peeps, I've been lurking here for a while and posting now and again when i can help (i work in a bank but please don't hate me too much for it - someone's gotta do it) but i felt it might help my head for me to start a debt free diary. My debt spiral started when i went to uni and discovered credit cards. I was never…
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Our debt diary
Well here we still are. After bf losing his sight everything took its toll and now he has the debt men knocking at the door again , which has forced bf back to work even though he still cannot see out of his eye and is awaiting his pre op check. (FYI all the below debt is his!) Anyway we have figured out that in total here…
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Please Help.....please
Hi all I am new to this site. I am sure I am definateley not alone on this. But please it is really ruining my life. I am 20 years old 21 on 23rd April and I am in full time employment earning around £14500 a year. I have an arranged overdraft of £1000 and a persoal loan of £3000 which i have paid £176 of. I bank with HSBC…
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i.d fraud 10 years ago. Westcott Services still threatening action.
i.d fraud 10 years ago. Wescott Services still sent final demand even though proof of change of address. they're threatening CCJ. told them they cant.it's over 6 years old anyway. wont the court throw this out and make them pay legal costs? it's in Hull and i dont fancy travelling up there from cardiff to prove my point!…
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My Ex-student Nightmare.
Hey there. I'm going through a bit of a crisis right now, and need some advice as to how exactly Im meant to get out of it. Two years ago I attended the university of the west of England. Unfortunately I was unlucky enough to placed in halls with some pretty horrible people, I ended up going through some serious bullying…
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Threat to pass to Door stop collection agent?
Another letter (had a lot today!) from another creditor. Several threaten that the next course of action is to pass to a door stop collection agent (oooooh, really scared now.....:rolleyes: ) but it gets up my nose that they ignore my offer, send me nasty letters stating I am ignoring the problem and then threaten me.…
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How Can I Get The Debts Finished!!
I need some help from you wonderful people and advise from your experiences. We do not have much left to do, or we didn't have till this weekend! We still Owe my mum £1280, which should be paid off in full when we get paid this month due to money saved from this month, back pay owed from work and overtime done this month.…
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Subject Access Request
Please could someone tell me what information I should recieve after asking for a Subject Access Request. I asked for information they have regarding any other companies that they bought the alleged debt from. They have not done this.Thank you
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Not DFW-but need advice...
Hi all, I hope you don't mind me posting this here but I need some advice- I was put on antidepressants (again) by my Dr a month ago because I had horrific PMT and I started to feel so much better almost immediately-I didn't realise (again) that I was suffering from PND. *sigh* However, this past week I have been feeling…
