-
Worried about reclaiming bank charges
I had about £21k in debts and have done many things so far to reduce them including trading in my precious car for a cheaper one (silver lining: freed up £5k!). Debts now down to £16k. :T I am now looking to 'do a Martin Lewis' :money: to reclaim bank charges BUT......... I am on a debt management plan (it was with CCCS…
-
Want to settle loan but massive early fee - HELP!
Morning lovely DFWs, My OH and I are very lucky to have found ourselves in the position to be able to pay off the personal loan that we have early. We are really excited, as not only will it be one less debt, but the interest is 19.9%, so we have wanted to get rid of it quick-sharpish!! However, there is a £250 fee to…
-
Major debt advice needed.
Hi new to this and basically owe £53,000 in unsecured debt and after paying essentials each month dont have much left (massive drop in take home has brought about my demise.) Have spoken to insolvency.co.uk and they have advised IVA and not bankruptcy due to me being a police offficer. I have heard about bobbys going BR…
-
Just wondering about bank charges ?
-
DMP help please!
I'm just going into a DMP with Payplans advice. I've just sent my letters with persoanl statements and cheque for small amount enclosed. However, I'm ebaying like crazy, I'm also doing Amazon and car boots to raise some funds. What I would like to know is; if my DMP is accepted by all my creditors, can I pay a bit extra…
-
26.4.07 what small dfw/mse thing will you do/have you done today!
Hello! We all know that the big changes can make an instant difference to our finances, eg cutting up the credit cards and cancelling Sky or the gym membership. But once we have done all the bigger stuff it is sometimes hard to realise that we are still doing DFW stuff each and every day! They may be small things but they…
-
DFW - What have you spent? 26/04/07
Good morning guys & girls. Its 4:28pm here so just coming up to the end of a work day, hoorah!! What will you be spending today? So far I have spent $0.00 - and dont intend to this evening, or tomorrow.. If you dont want to read about my trip, avert your eyes now. ;) Have a good day xx…
-
Food shopping tips please!
-
Anyone ever heard of ...
Not sure if this is the right place to post this but ... Has anyone heard of the European Lottery Guild? Are they legit? Mum is considering signing up to it but I've never heard of it and wanted to check it out for her first :confused: Any help would be appreciated, thanks in advance xx
-
Newbee here!! any advice v welcome.
Hello Guys, I am a newly single Mum of 2. My ex Husb was and still seems to be a serial debtor so i am trying to become debt freemay take a long time and build up credit rating. Since Jan i have made payments to all, except council tax, on time. and am hoping that if i can keep doing this i will suceed. Heres the rough…
-
My lightbulb is shining brightly!
I have been posting and have been given some brilliant advice, over on the house buying, renting e.t.c board(thankyou btw:kisses: ) They told me to come over here...we are on the verge of selling our house, things have gotten that bad. I think we will have to sell, need to speak to the OH and show him the budget, reality…
-
since joining DFW I have.....
Quite often newbies to the board think that they may be wasting the time of other people by asking questions or asking for help and support. Similarly, people who have been around the DFW block a couple of times sometimes feel as though they are taking one step forward and two steps back. So, inspired by LookingAhead's…
-
Taking on 4th job
If i take on another job what kind of tax/NI should i expect to pay? I currently work in a school and have 3 jobs: 1. 8.30pm - 3pm = Teaching Assistant 2 . 3pm - 4pm = School bus escort 3. 4pm - 5pm = Rescource prep for teachers All these 3 jobs go on 1 payslip as its all under the county i work in. However this 4th job i…
-
Noobie - Advice wanted
Ok first I should apologise because its probably gonna turn out the advice I ask for is already somewhere on the forum. Here's my position; we've just been accepted for a mortgage (god knows how, my credit rating is terrible), but its subject to my debts being cleared. which are: credit card 3500 car finance 5000 loan…
-
Guy in trouble who I helped out finacially now threatening me !
Last year... met a guy and had a brief relationship with him. He went on about how he'd lost out on an inheritance after he'd spent out at college and so was now unemployed and declared as bankrupt. He was at the time we met trying to set up his own bookshop. Me being me helped him out as much as I could and when asked to…
-
Newbie - Advice Needed
Hi All (and keep up the good work this website is amazing!) I have a debt from Aktiv Kapital for furniture which is nearly 10 years old. (Ex husband debt in my name) To be honest I thought it had been paid as it had a guarantor. But they are now hounding me for the money. I have been told this debt is to old to persue at…
-
Dlc :(
OK,i'm thinking of writing to dlc and offering to pay say £50 a month so they can leave me alone and stop calling.But i don't want to phone then as i think we won't come to an agreement on the phone.However can someone please advise as to what i should write in the letter please??
-
Lloyds TSB loan overpayment help needed
Hi everyone!! Well, I am pleased to say that we had our bank charges refunded this week :j so my next task is to overpay on one of the debts, a Lloyds TSB loan. The loan wasnt taken out very long ago (still pre-LBM though - d'oh!), and I understand that you pay more of the interest off first with your monthly repayments,…
-
DFW meet... how many can do Blackpool?
Right there seems to be a bit of a north south divide but Blackpool keeps coming back up so here starts the list of people who ARE WILLING to come to a Blackpool DFW meet.... I'll add names to this list as we go... 1. Immoral_angeluk 2. Snaggles 3. ZTD 4. Lennymfo 5. Deb_buffy 6. Sammy115 7. Wewillclearthis 8. Slowlyfading…
-
Quick DMP question...please help
Hi For anyone who is or has been in a DMP...is it always the case that you will get default notices on your account and get County Court Orders etc? Sending off my papers to CCCS today and will be missing this months payment to creditors and will be writing to them. DMP due to start in one months time and not behind with…
