-
Advice wanted
me and my partner have virgin credit cards charging 30% APR each. we are making minimum payments, which is obviously just clearing off the interest each month and would like to start paying off the actual debt, any advice on how to get this interest rate down would be helpful, we have tried loans but unable to get this,…
-
Ex with debts!
My ex partner moved out about 4 months ago and has left me no forwarding address. He is in alot of debt in his own name. We did have one joint bank account that is now closed. He knows someone that works at the sorting office who is collecting his mail and giving it to him so all his bills still have my address on. I am…
-
Advice for a money MOT
Hey all, Would appreciate your thoughts if you have a second. This afternoon me and the missus have scheduled in a 'Money MOT' - neither of us is really looking forward to it as it might mean 'fessing up to a lot of unnecessary spending, but it has to be done! I'm looking for any advice as to what would be useful to go…
-
I am declaring myself in a state of money emergency!
Hi all, I've just sat and worked out how much in debt I am and I've scared myself to death! Over 11K on credit cards and 69K on my mortgage. So, I am going to try to run this thread for a year (if you'll let me!) and see where I am then by using all the advice I can find on this site. Hopefully by doing this I can give…
-
HSBC Agreed to F&F Settlement! - Advice needed
Hi, This morning I received a letter from HSBC agreeing to £2000 to settle the £7000 credit card balance that I have with them, as long as I pay by 13th Aug. Their letter states that it will be a full & final settlement, but I have read a few threads on MSE about making sure they agree to mark my credit file as 'settled'…
-
Debt Free Diary!
Hey folks. Ok so I'm fairly new to all this. And admittedly this year know I will be overspending compared to any other year....getting married in December still with most of it to pay for - although am doing it fairly cheaply. Got a venue for getting married 40 day guests, including 3 course meal (and beautifully…
-
Debt Counselling
Hi.. Sorry if this is in the wrong place.. (Please move it if it is) Would very much like to become a debt counsellor.. can anyone point me in the right direction please? What qualifications should i look into taking? Is there a "debt counsellor's register / society" that could give me more info? Sorry if questions seem a…
-
DMP = new bank account
After some advice please. Just got a letter from Natwest saying my application was successful and my new current account is open. (a bank account with no OD :j ) Should i now take all my money out of my Lloydstsb account and put it into my new one? Can i do this without having received my cashcard and pin or do i have to…
-
Need help with Next Directory
Hello, First time on here today. I am paying off my Next Directory debt. I owe them £230 now and pay around £10-20 a month. This morning I received a claim form from Northampton county court for the full sum. I am not sure if I signed the credit agreement and I am going to write them a letter asking them to send me a copy…
-
Back to Basics August
I'm now in the very fortunate position now of being debt free and also having healthy savings in the bank. However, the reason I got into all the debt in the first place was because I spent aimlessly and foolishly. Want and need became want and want. Over July, I've had a 'heavy' month financially. Some of it was a…
-
75% offer to creditors refused??
hi there so far we have offered our creditors 70 - 75% final and full offer....... 2 have accepted........but at least 5 have not saying thy do not accept offers this includes halifax / mint / cahoot have accepted........along with debenhans store card. is this the norm or what would u advise we do next.........are we…
-
Need help with a really, really old debt. (And slightly annoying one too)
Just received a letter from a debt collector stating I owe a bank £1,800. The last time I paid any money into that bank account was in November 2001. I was out of the country from November 2001 to November 2002. When I returned I went to my bank to offer to pay this money back. I spoke to the bank manager who couldn't find…
-
Hints and tips for a new ebay user!
Hi guys. Well I have finally decided to reconnect to the internet at home. Which means I now have access to ebay :T . However I have no idea how to get the best from it. I tried selling something about 2 years again and failed. So I was wondering whether any of you had any hints and tips to get me started. What sort of…
-
DFW Wannabe and travelling the world!
Hi all!! If all goes to plan, my DFD is at the end of this year. This whole experience has made me realise that it's all too easy to get stuck in a rut, so i've decided to give myself 2 years to save save save (will continue to save what would have been my repayments etc plus any surplus - how exciting to say that!!) and…
-
Saving 10% vs. paying off debt?
Hi there, Through various reasons, I find myself saddled with some debt :mad: I am currently saving some of my salary (5 - 10%) to build up some long term savings, but after reading Martin's "Pay Off Mortgage With Savings" post, I'm wondering if it would be more beneficial to withdraw my meagre savings, pool that with my…
-
Interview Tips & Advice Pls
Hi All This is not really a DF topic but just wondered if any of you lovely people had some advice, hints or tips for interviews. I have a job interview tomorrow afternoon and as i havent been for one in a while (ive been in the same job for quite a few years) i was wondering if anything had changed much ie the types of…
-
31.7.07 what small dfw/mse thing will you do or have you done today?
Good Morning fellow DFW Peeps and welcome to Tuesday, old timers and newbies alike :hello: 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…
-
Do You Get Tax Credits? Last Day To Put Your Form In 31st
Apparently 400,000 out of 4 million families have not put in their paperwork! Hope this jogs someone's memory chev
-
Sy's Challenge to be Debt-Free by Christmas (I'm new here!)
Hi All, I have been a lurker at this site for quite a while and have to say how fantastic it is - and addictive! I have finally decided to register and post a thread to help motivate me to clear my debt! A brief history of me... I am now 23 years old. When I was younger I was not great with money. It started badly when I…
-
what have/will you spent 31st july 2007?
last day of the month :j morning all :hello: hope you had a nice sleep and are refreshed for today. I am still up... again but this time i blame my mother giving me lucozade ~ three bottles :rolleyes: thank heavens i have the day off today :j anyways i am going now where so fingers crossed it [strike]should[/strike] will…
