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Debt-free wannabe

Archives for September 2007

Need help with Ciao
Hi everyone, I really should be in bed, its getting late [IMG]http://!!!!!!!!!!!!!!!!!!!!!!!/sig.jsp?pc=ZSzeb114&pp=ZNxmk788YYGB[/IMG] Anyway, I need some advice about Ciao. I joined because going by people's sigs its quite a good money maker. Posters on the forum also said you get nearly daily surveys, although quite low…
The order things happen????????????
Okay, so you're struggling to make the minimum credit card payments, so you start sending a "nominal" amount. Letters arrive saying you are in arrears etc etc. They issue a default notice and / or a debt collection agency contacts you etc etc. But my question is this "what happens next....." Will they seek court action?…
First lightbulb moment
Hi guys, benn hanging around for a while. I am a married stay at home mum, so don't have any earnings but my OH earns enough to keep us going. However we have both been very heavy on the credit cards racked up £11,500 and it's suddenly hit home with OH how much we owe. I have been telling him for ages he needs to cut down.…
New DMP with CCCS advice please
Hi everyone Just new last week however have found forum an absolute godsend for hints and tips. Hope someone can answer my query. I made the call to CCCS re my os debt (£37k) and I have an appt next week (none available this week). I hope they can assist me with a DMP as this is the route I would like to take. What I was…
Creidt card application refused
Hi all, I applied to a credit card recently and was refused - i've never had any problem before so i'm concerned. However my worry is that my mortgage ends in january and i want to change providers. Is this likely to affect the rate i am offered or the number of options available? We do have a low LTV (?) value. The…
Newbie - is there room for one more?!
Hi everyone, I have been reading various threads for some time now and picking up tips from all of you lovely helpful people. I wondered whether any of you have the time/energy to try and help me sort finances out once and for all. Does anyone else look back over their lives and notice a pattern of every 7th year having a…
DMP - CCCS am scared about setting it up
We're just starting on a DMP with CCCS we owe absolutely tons about 66,000, we have got to the point where we are sending them the letters, should I enclose a token payment? if so how much for should there be a set amount? I'm really scared about whats going to happen next, will our creditors take us to court etc? I'm…
Help me reduce my shopping bill!!
Hi All First of all, forgive me as a newbie - I may not be up on etiquette and lingo! Decided to post here as, although all my debt is student debt and so not of any pressing urgency, this seems like a great place to get money saving tips. Bit about me - I'm 25 and a mum to a 3 and 4 year old. Hubby works full time, as did…
DFW Book
Just noticed that Martin's new book is available on Play.com for pre-order it is released 27th December and costs £5.99 delivered. On amazon it is £7.99. Hope this helps someone. And don't forget Play.com are on quidco:)
Direct Debits
Does everyone still pay their bills by Direct Debit? I got charged £30 last month by my bank when a DD left my account 2 days before I thought it would. I'm sure a similar situation has been mentioned before when someone's DD went before a weekend rather than after. Is it me being a little lax in not having the exact date…
Please Advise
Hello, Can somebody please advise me on what I should do. I am currently stuck in my £1300 overdraft due to constantly increasing for essentials and social outings. I have a salary of £200 (after tax) per week. I pay £50 a week car insurance, £35 a week rent and a car debt of £30 a week. Thats £115 a week outgoings in…
Any tips for saving money on home improvements folks?
I've decided to move on - I'm not in love with my home the way I was, and I have a lot of equity available. Selling up will leave me debt free and with a substantial nest egg which I plan to start saving on top of, instead of spending! To get the best price for my flat it needs a little work - it would be bad economy not…
Huge Thanks To MSE, what a site!!!
I am a newbie on this site and have to say what an eyeopener its been. When ur in debt there's not much you can do except live with it and try and claw your way out. My OH and I been trying for many years now. But I have now found MSE and have been well impressed at the information u can get. No longer do u feel as if ur…
Data Entry
I have no idea if this is in the right section or not, so advance apologies to the Mods if not. Has anyone every done Data Entry as a way of making additional income? I know there are a lot of scam companies out there, but has anyone found any legit ones? This kind of thing:…
IVA or DMP? Debts help urgently needed
Hi, I am new on the forum so hello everyone. We are in a pickle as we have £23000 of debts. That is ncluding our loan, 2 credit cards, 1 store card + an overdraft. We are just repaying the minimun payment each month which is just the interest. We pay £415 a month for our debts. We cannot afford more.My husband is on…
mind tricks to stop emotional spending
Hi This is probably one of the strangest posts I will ever put up but I am at a loss at the minute When I first joined MSE in july I had the following debts Student loan 1376 Virgin Credit Card 1554 Cooperative Credit Card 2553 Cooperative Overdraft 1756 Barclays Overdraft 2700 sister - 500 mum - £7000 Total - £17,439.00…
Help
I don't know how to manage cash very well as soon as I get it, it seems to disappear. I owe alot of money I can afford to make minimun repayments but never have any money to survive for the rest of the month. I owe money on credit cards, store cards, I have 3 Loans 1 i finish paying off in Nov this year, another next year…
need support
i'm on a run of bad luck. i've got no debt as such just a cap one cc with £1k limit that i pay off each mont. i was left with 2 smalk kids and15k of debt that i've managed to pay off over 7yrs which is no mean feat with 2 kids in nursery then afterschool clubs. i have got minimal clothes - and live fairly frugally. I am so…
Quidco Enquiry
I had an enquiry returned from 32Red Poker on quid co as unsuccessful as i didnt meet the requirements - however, i did as they asked - played $50 in ringplay ( i must have cos thats what i deposited) plus, they are a "sureshop" merchant. I have asked quidco for further advice, but am i able to challenge it?
Advice on my Credit Report and Open Accounts
Hi, I have been through my Experian credit report and checked the status of my Accounts with lenders or banks... These are the ones that are active, the rest say 'Settled' does this mean they are closed? I see I have accounts open I don't need or ever use. I bank with the Natwest, so Should I close the Halifax accounts…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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