-
Lies all Lies by the bank that gives you extra
My mum has been discussing with the halifax bank a default that was added to her credit file a number of years ago and incorrectly so - The Halifax have written to her stating that they have asked for the default to be removed from her credit file as they agree it is there in error however both experian and exquifax have…
-
How to Say NO to friends?
Hello Everyone, We are really focusing as a family on paying of our now shrinking CCs and would like to reduce our mortgage term also. Our problem is this, we have some V good friends who are always suggesting Nights out, take aways, drinks together, days out with the children (usually consisting of lunch and…
-
My SOA - Any advice?
Monthly Income: Salary job 1 £1865.75 Salary job 2 £262.00 (approx) Total Income £2127.75 Monthly Outgoings: Mortgage/Rent £760 Council Tax £90 Electric £30 Water Rates £10 Contents Insurance £9.90 TV Licence £11.61 Sky £26 Phone (hm) £10 Phone (mb) £30 Food £145 Gym £16 Car Insurance £28 Petrol £75 Misc £150 (includes…
-
Advice for the now debt free!
My husband was medically discharged from the Army, and his payout has cleared all our debts (great feeling!) Was wondering how long before our credit reports are back to an acceptable standard now that everything is clear. Anyone any idea?
-
DMP and Budget Sheet and Phone Calls and Text !
Hi, I need a budget planning sheet so I can get a DMP sorted for my husband, the only one I can find is on the National Debt site and I cant download it in the format it is in, does anyone have one in Excel that I could get a copy of ? Also as we are in the process of setting up this DMP we have been getting calls and…
-
Would you sell car to clear debts??
As you can see from my sig we owe quite a bit.:o However we have a high powered car that costs a fortune in petrol and gonna be high band tax bracket. We need a car but because my husband has bought a scooter (to reduce all round costs) I only need a smaller car for my job and getting children around during the day and for…
-
My SOA Advise Please
Hi Monthly Incomings My Salary £966.00 Partners £422.50 Extra £200 Total £1588.50 Outgoings Total £1368.50 Including £300 rent Council Tax £89 Gas £30 Elec £30 TV License £12 Mobiles 60 (2 phones) Food £217 Pets £60 Travel £110 Car Ins £50 We dont have sky broadband or any gym membership. We are left with £220 per month to…
-
Help Please
Hi, great site BTW. I feel in a hopless position at the moment and hope someone can give me some advice. I am in the process of changing companies, I have been used to earning 4-5k per month and my lifestyle has grown around this. My employer has reduced commisions etc and I have been earning more like 2k per month for the…
-
SOA Help
Hi trying to put together my SOA for this site is there a website to help or some tools? Or if not can I have some tips please, Should i request all these details from banks or is a rough idea good enough Thanks
-
First Payday since the light was turned on!
Finally got to pay day!! For the first time in soooo many years I have gone online and paid all of my bills before I have the chance to get the money out and spend!! I did the budget planner and have transfered the money I need to save to my husbands savings account so I cannot touch it (and he is very good with dosh and…
-
what's the difference?
I've just been checking my bank statement online & where I have gone overdrawn I have had some "Debt referral" charges £30 (am gutted with myself cos had been really good but fell off the wagon recently) anyway, there's another charge for £30 that says "commission" is it for the same thing do you think? Who do I speak to…
-
Anyone here ever worked in a bank ????
Tomorrow is payday and I am dying to know what I'm gonna get paid or even if they will remember to pay me .... I left my employer this month and they are notorious for messing up pay when you leave :rolleyes: I just need to know whether stuff goes into your account at midnight or is it some random time during th night??…
-
LOSING IT ALL.... a failures story
Hi everyone, I don't really think that anything can be done to help or even if I'm in the correct forum, but I'm at the end of my strength now and just need to put into words (sorry its gonna be a long one) what has/is happening to me, I feel such a failure and I am so ashamed of the position I'm in. 12yrs ago my mechanic…
-
BB's Debt Free Efforts
2005 / 6 was a turbulent time in which I was out of work for 7 months, and paid for just about everything with credit cards. I had to give up work to care for a member of my family who was terminally ill, and got sod all financial assistance from anywhere. So, my mortgage was paid by plastic, as was my car loan (needed to…
-
august challenge anyone manage to do it
do you remember the challenge to clear some debts in august anyone manage to clear any debts or bills. i managed £550 rest of holiday to be paid, week in cyprus £280 phone bill post office home phone £88 council tax £180 car service £60 bus lane fine to camden council £70 bank charges found out of the housing assocation i…
-
All Clear Finance HELP
HELP PLEASE. Me and my partner signed up to Harrington Brooks, (now Allclear finance) approx. 4 years ago and have been paying £178.00 a month to them. We weren't particulary happy about this but we were desperate and they sounded so helpful over the phone and promised to take all of the stress off us. We just paid them a…
-
how do i get rid of overdraft
hi, I thought i could use a balance transfer of 0% to start to get rid of my o/d of £1,800, however didn't realise this isn't the case for debit accounts -or do you guys know of any, Many thanks for advice!
-
any advice?
hi all, posting on behalf on friend, his soa follows. he is currently with Baines and Earnst, and has been for the past 7 years, reducing his £37000 debt by £9000, having paid them approx £15000. today he received call from one of the creditors being paid by B & E, stating that they have not had regular payments from B& E…
-
Help with bailiffs
For a few months now i have been getting threats from the bailiff. I get calls from them everyday telling me they will call round my house if i dont pay them the full amount of the debt. I have tried to make arrangements with them to pay this debt in instalments but they were asking for a stupid amount of money each week,…
-
Graduated- But now in debt!
:rotfl: Hi Guys, Firstly I just wanna say what a fantastic website this is.. and to be honest its about time!! Hats off to Martin and the team! :money: So let me tell you a little about myself and my debt confessions. Before I started uni I opened an bank account with Halifax which came with a £1000 overdraft.. temptation…
