Debt-free wannabe

Archives for June 2007

loan payment books??
Hi there, does anybody know if it's possible to get hold of a payment book or slip for loans owed, we had to cancel the direct debits for our loans whilst we were getting a new bank account so that they were'nt taking the payments from the new one as they were the priority bills, we are in the process of asking them for a…
sorting out my debt
Hi. My Wife And I Are Approx 17000 In Debt. I've Currently Got Approved Paperwork For A Secured Loan For This Amount, But I Am Seriously Worried About This Loan And The Fact I'll Repay Almost Double I've Borrowed Over 10 Years, And I'll Only Be £130 Better Off A Month. 10000 Of Our Debt Is On Credit Cards, So Firstly Has…
Books received in post that wasn't ordered...help!!
I wonder if any of you lovely people can help me. My sister received some books through the post she didn't order and there was a bill for £8 with them. She liked the books for her little boy and paid the £8. She has now been sent further books and a bill for £54. She doesnt want the books or to pay the fat bill. She rang…
Court Action - Help!!!!
I'm new to all this, but I hope someone can help me. Northern Rock have issued court proceedings against me for the recovery of £11,000 for non-payment of an unsecured debt. The details leading up to the case are us follows: I have a pro rata agreement with Northern Rock and three other creditors. In addition I have a…
Daily expenditure diary?
I'm looking at a system to record and monitor my spening. Every little bit if possible, from rent to loaf of bread from shop. I had thought about putting it all in a note pad however I want something a little more organised. Any suggestions? Any free programs/spreadsheets etc? Thanks in advance and hope this makes sense?…
A Friend In Need - Help Needed
Hi I am writing this on behalf of a friend, who does not have internet access but is basically in a lot of trouble. He first got into debt about 8 years ago, and has followed a path of consolidation etc, and yet still incurred debts. He is now on the brink, i'm a bit worried about him and the effect this is all having on…
Is this letter ok? - To Virgin Media re NTL
Afternoon all, I'm hoping that some kind person might be able to give me some advice regarding the following letter. The letter sums up my problem, I think, but I'm not sure what to do next, or if I should pay it. The letter from Westcott said they were going to take me to court (I'm sure they say this to everyone, but…
What do you feed yourself to save money?
When I was skint, I'd eat 9p noodles, value bread & beans. A guy I knew ate pasta and gravy (yuck!) and another would chow down for days on chopped up cheapo frozen sausages, tomato sauce and pasta/rice. These things aren't OS as we're not really making much from scratch, they're certainly not nutritional and generally…
30.6.07-1.7.07 what small dfw/mse thing will you do or have you done this weekend?
Hello lovely DFWers - old timers and newbies. It's the weekend!! :j When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we…
18.6% £1500 overdraft - solution?
HSBC have slyly increased my APR and I don't know how I can clear it as I only have £80 a month after bills/living expenses. I know you can't balance transfer overdrafts so does anyone have any suggestions? Thanks! :confused:
Zulu Dawn?
Has anyone heard from Zulu Dawn after his wife asked for some time apart? I just wondered how he was doing.
Need urgent advice, behind on repayments
I am really starting to panic - we are now 3 months behind on our mortgage and now 1 month behind on a secure loan. I also am almost 6 months behind on a credit card and have another card that I can only afford to pay the minimal payment on. I have several jobs - all part time that work around my 2yr old - I can do no more…
1 debt down - 3 to go!!
Hi all :j Just wanted to share - have paid off my Capital One credit card and told them to close the account. 2 more credit cards to go - then I can throw everything at Cabot (interest frozen so not too worried about this at the moment!)
stirling park can they do this?
Hi all, I dont know if i am posting on the correct thread or not as i am new to this (but learning fast) but i would welcome some advice on a problem i have both me and the wife fell into council tax arrears which resulted in a wages arrestment for both of us, now we were fine with that it works out about £159 pm but we…
Car Loan
hello my husband bought a car 2 years ago, he thought it was on finance but he phoned them the other day and asked to end the agreement as he had paid off a quarter of the value and they said no its a loan. he has been in and out of work for the last 8 months and we are really struggling to meet the payments. i have a car…
Secured Debt
Morning All, Quick question as I am in an indecisive mood. My signature has always shown that we started with over £76k worth of debt. However this includes a secured loan. Now I know that we wouldn't include our mortgage on our signature, so should I ''get rid'' of the secured information for the time being to spur me on…
Where do I go from here?
I have an old credit card debt of just less than £10,000, the company has been in contact with me and I made an offer of payment of £20 a month with it increasing when my personal circumstances improve (I am currently on income support and disability allowance) I was asked to send in a letter making an offer along with my…
Moorcroft (again!) result???
got a letter today regarding my request for a signed credit agreement this is what they say: we write further to your recent letter. We can confirm that on this occasion we are unable to provide a copy of the signed credit agreement for the above account as we are no longer dealing on the above account. We have therefore…
What have/will you spend today Sat 30th June?
Hiya everyone, title says it all really. I'm off out tonight with my lovely bf so shall set myself a budget for £40. Hope everyone as a fab weekend xx
wanting to cut uni debts
Hi Guys, Well good news to add... have been awarded a one-year teaching position so now have sick pay and holiday pay until Sept 08! It does mean a relocation and extra bills- think this is all the info you wanted Annie- overdraft: usually been taking it to £1250. From July 15th HSBC slashing it to £500. Interest rate…

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