-
What to do ? Suggestions needed !!
Hi first of all great to see a forum/website that offers light at the end of the tunnel !! My dileema - I have ~ £20 grand debt, I have defaulted on my accounts and currently have a persoanl 'debt managment plan' in place in which I have pro-rata standing orders to my creditors. This has been established for the last 2…
-
Any advice needed
Hi last came on in june sometime. Was in an ok position. i had lots of good advice then and im hoping i will again. The main worry i had all those three months ago were that i was stuck in a cycle of putting essentials on credit card and wanted to start using cash. my main fear that i had was that if i got a full time job…
-
could anyone help
I really need your help i feel so embarrassed asking for help .I have been given £11,000 to pay off some of my debts but i do not know which to pay off.I am struggling to pay for everything which i have so i want to pay off things that will save me money monthly. halifax loan i owe £1754 i pay per month £59.48 paid off in…
-
Balance transfer a personal loan?
Is it possible to transfer a personal loan onto a 0% credit card? RBS say they won't do it but make no reference to it in their small print (which I have poured over). If I know the redemption figure and banking details why can't it be done? :confused: Does anyone know the answer? Or better still a way round it??! Fingers…
-
Wescott Chasing Me
Hi! Apologies if this is going in the wrong place. I have an old debt of £19,000 which I was paying £5 p.m on when I was single and on I.S. A few months ago they rang to insist I increase the payment to £10. I am now married and my only income is CTC. My husband has just started a new business. We don't expect to earn more…
-
Stress management? Long
I'm not sure if this is the right place for this post - so if not can somebody move it please? To cut a long story short(ish) I've lurked on here for ages and only recently joined up. The DFW board in particular has been a huge inspiration to me and I am now dealing with my debts thanks mainly to advice and ideas I've…
-
Spending diaries .....
For the past week, I have been using a free website that was mentioned in a post on this forum to cacluate my daily spending. I have never kept a spending diary, despite all my intentions to do so. What an eye opener!!!!! and it's only been a week. Way too much money spent on diet pepsi is the most claringly item. Problem…
-
THE DEMOTIVATOR - have you seen it???
Martin's Demotivator! This should stop a few of us!!!! http://www.moneysavingexpert.com/protect/demotivator/ Thanks Martin!! :money: :money: :money: :money:
-
SOA Template repost ?
Not sure if it's been posted before apologies if it has, quite useful for newbies: SOA Template http://www.britishinvasion.co.uk/soa/soaedit.php
-
30.8.07 what small dfw thing will you do or have you done today?
Good Morning fellow DFW Peeps and welcome old timers and newbies alike :hello: Welcome to Thursday !!!!! :cool: 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.…
-
what have/will you spend thurs 30th aug 2007?
morning all :hello: ~ woohoo nearly the weekend ~ sorry all those who work it :D hope youa re all having a lovely day, remember you can spend but keep it low :rotfl:... day off for me today and i am waiting for a delivery this morning and then having 3 collections this afternoon :D busy busy me then :rotfl: should be a nsd…
-
Mackenzie Hall
I have one of these contact letters, I am going to inore these have just moved hopuse 1 year ago but was at previous address for 18 years did have debts years ago but cleared them on a payment plan, no debts o/s for last 6 years and have just been given a mortgage. there may be a very old CCJ not sure. After reading many…
-
Please Help Me
Obviously I am brand new to this. I have huge debts with my partner of around £35k. We wanna be debt free. Please can you tell me where I can get started on working out this situation. Where to log my debts income etc and any tips for a debt free wanna be? Any help will be gratefully received.
-
1st Credit/Connaught Collections
Hello I wanted to share my 'experience' of 1st Credit with you all, and hopefully some of you can avoid the un-necessary distress that it has caused myself and my family. First of all- yes I do owe the money, and second- I have not been able to make regular payments. Last week I had two documents couriered to me- Statutory…
-
Help DCA Chasing me!
A DCA has now written to me 3 times: Letter 1: Please pay the outstanding amount immediately or call us to discuss repayment options 2: Please don't ignore this letter, call us now to pay immediately or to discuss repayment options. 3: You have responded coz you have no intention of paying or are unable to. Please don't…
-
Not sure which way to turn
Hi I have debts of approximately £40k which have basically built up over the last 10 years or so. I have repeatedly consolidated to try and repay them, but have never managed to do so and have always ended up reconsolidating and so on. Now I have these debts and I dont know what to do or the best way to pay them. I have…
-
Can't carry on this way please aany advice
Hello all This could be long I am afraid. I have been to court 6 months ago to keep my house but have not keepen up the repayments on the secured loan, I can't open any of my post as I am too scared, had my wages today in in my payslip money has been deducted straight from my wages for some debt but don't know what. Don't…
-
how to get credit rating up?
Hi Guys, This is my first post so please be gentle! Basically after 4 long years I have managed to finish clearing a £20,000 debt racked up due to stupidity and Studency. My problem is this, I now have an absolutely terrible credit rating, as I have had a lot of defaults etc and ended up using a credit arbitration service…
-
7 year old debt
hi there, new to this so please bear with me.. I was contacted a few weeks ago by letter concerning a credit card debt over 7 years old.. I rang the compant thinking it was an agreement I was already settling.. Anyway I was pressured into a settlement deal for the money owed.. Since then I have heard of the 6 years Statute…
-
Debt collection agency help
i had a credit card about 8 years ago and maxed it out them lost my job. it was handed toadebt collection agency and i agreed to pay off at £20 a month. I then started to miss payments and they ended up offereign me a settlement which i agreed to pay off at £200 a month. After 1 month i had a few personal problems and…
