-
So ashamed of myself!
Hi All Ive been trying for months (since November 2006) to get my little family by on just £308 which had to include bills and food. My food budget is down to just £90 a month for 2 adults, one child (aged 3) and a jack russell. Luckily we had our last lot of tax credits in December which helped with Xmas but since January…
-
CCJ - Claim Discontinued???? UPDATE! See new post
Quick question. As some of you may know, I was being taken to court last week by Hyundai Car Finance. On several occasions I had requested under the consumer credit thingie a copy of the signed agreement. They never bothered to send it to me, but submitted a copy to the court in their case. (I stupidly never sent the…
-
Having another baby!
Bit off topic, I know, but we're having our second child!! Only early days, should be due end of December. But worrying with all the debt, but I'm sure we'll find a way. So crack open the nettos champers everyone!
-
Barrister to FORCE Natwest into court
-
How Sad am I .....
... but I have gone from dreading the credit card statements coming to eagerly awaiting their arrival so that I can go onto my snowball and update it and then change my signature on here. We're paying the Reading FC card off at the moment and I was really excited to find it on the mat this morning! :j And now I've changed…
-
the late payments charges have started
I have sent some letters to the creditors. i dont have a landline as i got disconnected. banks have started to charge me for late payment now. as i only paid them a £1 (token payment) so now i owe £12 more than before so disheartening. back from my hol and starting again as i did not write what i spent. start again today.…
-
7.4.07 what small dfw thing will you do/have you done today?
Good Morning Everyone x Be proud of those small things that you do each day which in turn become the habits that will enable you to become debt free and, more importantly perhaps, to remain that way! Let us all know what you are doing so that we can be reminded of the small things that we are doing, or can do, ourselves.…
-
going down the DMP way..
We have spoken to payplan,twice now.Long story but like many people on here we used cc's to get by with (i know a dumb thing to do).I'm wondering can anyone help with a question i have we have a mortgage if non of our loans are secured on it.Can the loan company then change it to secure it on the house then what happens…
-
I've got a lodger!!!
Hello, I know I've not been around much, I've been really busy..... and to be honest, my £40 a week budget has really gone to pot since I stopped writing on Moozie's posts every day (I'll be back now Moozie I promise!). However, after a naughty few weeks I'm now back on track with my money saving because today I got a…
-
Quick credit search question......
When you have a credit search recorded against your name/file what details does it contain? and what information about that search is available to another company that searches your file? Thanks.
-
IVA Advice Needed
Hi All Quick post on behalf of a friend... My friend is 1 year into her IVA (through a private company sadly), to which she was paying £400 per month. Due to a change in curcumstances, she can only afford £250 per month, just to be in a breakeven situation. She has contacted IVA company and they have accepted this but have…
-
Mercers!! Horrible people - can I complain
Hi Just had a call from my dad saying someone called me and said its very urgent I call them straight back, its a very serious matter and if not it will have horrible consequences. He gave me the number and it was Mercers - got through, gave my details and they said 'nobody has called you, your payments are up to date'. I…
-
Credit Report Query?
Hi peeps, I have just downloaded my credit report. There are some entries on it that I don't understand. Hope someone can give me advise as to what to do about them.:confused: SEARCHES under Alias 2 searches by MBNA on 13/10/2003 under my maiden name but with Mrs in front. I did apply for a credit card but in my real…
-
Has anyone had defaults removed ?
Hi I have read on the C.A.G website about removing defaults from your credit file. They do a template letter which basically says you do not continue to consent to your information being shared after a default has been payed off. I just wondered if any body had actually managed to do this and have it removed. Mish x
-
Ccj and agreed notice help
Hi all Firstly,i have been browsing through this site for a while and would like to say what a great site this is for helping those in need,and hopefully someone can help me with my predicament... To cut a long story short,i have recently decided to sort myself out financially and become debt free,this started 3 months ago…
-
Can't find Moozie's 'What have you/will you spend thread for Friday 6.04.07
I expect Moozie's enjoying the Bank Holiday Sun - she should be anyway.:beer: Couldn't see that anyone else had started the thread today - I know it's a Bank Holiday - but most of the shops are open, so I thought I'd better post my spending anyway.:D I have spent £14.00 :eek: on Easter Eggs in Woollies - but that's for the…
-
Help with BTs please
Hi, I have currently got £3,700 debt on my CC. Applied for M&S &more Card and was chuffed to get accepted. Paperwork came through and it says £138.44 charge for credit (which I think will give me a credit limit of £1,500. I was hoping for a higher limit, so I could transfer the whole lot over. What options have I got now?…
-
Hello All!
Hey everyone, I'm new to the site and just wanted to say hi. I've found myself in a slight pickle to a very high tune and wondered if someone could point me in the direction of an SOA. I want to complete it to show my husband so that we can start tackling our debt so that we can start a family. Thanks in advance! :eek:
-
under 18 being chased by debt collectors
Hi there my brother is being chased by debt collectors. He is 17 and joined a gym. He lost his saturday job and advised he couldn't pay and wanted to leave. He now has people threatening him from a debt collection agency. My mum has agreed to pay £10. Can anyone advise whether they can chase him if he is under 18 as the…
-
under 18 and be chased my debt collectors
Hi I was wondering whether you could help my 17 year old brother joined a gym and then lost his Saturday job and couldn't pay it. The debt collectors are now harrassing my mum and she said he was under 18. In the end she agreed to pay one payment of 10 pound and said he could pay the rest. Really she said they bullied her…
