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IVA & debt help needed!!!
Hello all, My first posting, and need lots of advice so hear goes. I’ve amassed a massive amount of debt, huge in fact, in the forms of loans and credit cards. I’ve never defaulted, missed payments and have just got copied of my credit files from the main credit scoring companies and apart from the amount of debt are in…
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Hello everyone ..new and dont know what to do
You have all inspired me to throw myself at your mercy and see if you can help me out with my debts. My head hurts so much with trying to figure it out :confused: - thought scratching other people's might give it a bit of a rest!:D Fed up as dont seem to have the money to sort out when things go wrong (like now as need 2…
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6.4.07 what small DFW/MSE thing will you do/have you done today?
Morning folks Looked for this thread but couldn't find it, so here's goes my efforts (curtesy of darling hypno). Let us all know what small step you are taking today towards becoming debt free. This could be something that you think doesn't make any difference but reality is that these are the things that can form good…
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Looking for a carboot sale in south wales, any ideas??
Hi, I'm tryng to raise some cash to pay off my credit cards and realised that lots of the stuff i spent my money on is just stuffed in boxes, hence the idea of a clear out! Any way I'm sure its car boot season now that the sun is out but cannot find anything online, does anyone know of any happening or any links that will…
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Nearly end of tax year - can you claim back tax?
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Has Anybody Had Any Dealings With Lloyds Tsb?
Hi, I Started My Dmp In February 07 With Cccs. Lots Of Tooing And Frooing, But Everybody Has Accepted, Albeit For 6 Months, A Few Are Still Charging Interest And Overlimit Fees, But I Believe This Will Sort Itself Out. Lloyds Have Accepted For 6 Months But The Lady Told Me She Would Hold Interest And It Is Still Being Put…
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Reasons to be cheerful...
Hey now people! I havent been able to be about mouch in the past month, as I have been squirrelling away the overtime hours - but its a public holiday so we can rejoice! Thought a cheerful thread might encourage some of our newer posters to see it can be done... What are your reasons to be cheerful this month? Me? 2 public…
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Help please..info on full and final settlement etc ?
Hope someone can help and offer some info on this please ? Im currently in the process of sorting out my finances which include claiming back some tax and bank charges....but it also includes paying some debts :( I have a few debts with debt collection agencies after defaulting with the original lender ! I am wanting to…
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Managed Loan No Way
All this halabaloo about getting your money back from banks who've overcharged you at some point in time is a bit disapoingting. I came to Lincoln 5yrs ago with only a few pennies in my pocket but found somewhere to live and got my benefits sorted out. Then I took out a loan with my bank HSBC for £10,000 to get all those…
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My Managed Loan
All this halabaloo about getting your money back from banks who've overcharged you at some point in time is a bit disapoingting. I came to Lincoln 5yrs ago with only a few pennies in my pocket but found somewhere to live and got my benefits sorted out. Then I took out a loan with my bank HSBC for £10,000 to get all those…
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Dilemma - what should I do?
If you look at my sig you will see how much debt my DH and I have and the snowball calculator puts us at a debt free date of Feb 2009. :eek: Anyway, for over a year now my DH has been saying that he needs a new computer. He is a network engineer but he mainly uses his home computer for gaming. He and my brother usually get…
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defaults and energy suppliers
Just looked at my credit history and british gas placed 4 years ago at a previous previous address 2 defaults for gas and elec. Ive never signed a credit a credit agreement, and no DOB is listed on the entry... can they legaly apply this default ?
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help with my free fivers and quidco
Hi sorry to ask this here but I dont really know who else to ask. I have been doing quidco and free fivers and earning quite well. I had 26.00 off quidco so I was a very happy bunny. My friend bought a tv through my catalgue so I thought I would do it through free fivers and get the cash back. nothing even tracked so I…
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Brothers plight
Having just recently found this most helpful site, I thought I'd post my brother's horrendous plight. Here goes:- Until August of last year my brother who is 62 y/o was a self employed architectual surveyor. He had already clocked up over £25,000 pounds worth of credit card debts and because of this had just upped his…
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Unable to Balance Transfer
Hi Spoke to Barclay Card today regarding my account. Asked for lower interest rates but was told it was only for people who were unable to afford the minimum monthly repayment and that they could not help me with paying off my debt. So I said well you don't mind if I transfer my balance elsewhere and they said that I would…
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Welcome Car Finance Help needed!
Brought my car from Approved car finance with the finance from Welcome, have defaulted on payments due to personal circumstances they contacted me and obviously wanted money from me, by mutual agreement agreed they could take the car back then didnt hear from them for months now received a letter saying they are taking me…
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Could you loan be invalid
Please read this thread and give me your thoughts (there not here) http://forums.moneysavingexpert.com/showthread.html?p=4808539#post4808539 Martin
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Bank account help
Hiya, first time poster, so a bit nervous. I'm posting on behalf of my partner. When his previous relationship ended, he walked away with an awful lot of debt, he is managing to put things right over time and has recently been awarded a cash settlement from his house. However, he would like to open an ISA and a current…
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Wife Cant Understand Lbm
:mad: As some of you know three weeks ago I told my wife about my debt and addiction to gambling. This for me was my LBM and I havent even wanted to gamble since then but my wife cannot understand why I have stopped now and couldnt before. To be honest neither can I except for the fact that I woke up to what a pr** I was…
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Hello
Hello, Im new on here and whizzing through money knowledge pages seemed to of brought me here! Is everyone else on here trying to find solutions to there debt?
