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Facing up to my debts
I have realised (a little to late perhaps but better late than never) that i need to face up to my debts. I have no idea how much i owe or even who I owe money to anymore. I have a big box under my bed where i have been putting any letters for money i dont have and have this morning pulled this box out and began the HUGE…
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I am so worried I feel sick
I sorted my arrangement with MBNA for my loan..that was fine, no problems I wrote to HSBC about my credit card and my overdraft (totally £3000). I have not heard anything back from them, but my account is now totally transfered. I am now with the co-operative bank. Quite pleased as although I applied for cashminder account…
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What to do? Debtfree wannabe!
Not sure what todo. I have been keeping my debts hidden for so long i don't even know what debts i have anymore, i know that probably about 6 /7 years ago i was paying money to debt companies for about 4 cards and an outstanding bill but i couldn't afford the re-payments and i hid my head in the sand destroyed all evidence…
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J2 Solutions
I have noticed a few old threads with regard to this company but thought I would start a new one. A neighbour knocked on my door on Friday saying that someone from my past was trying to get hold of me "an old friend" I had lost touch with. I have since found out that it was a company called J2 Solutions asking if I live…
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What would you do?
My wife and I currently have a mortgage of £120,000. Our house is worth around the £250,000 mark. We pay £680 a month in mortgage but have stocks and shares to the value of £180,000. I have been contemplating this as my wife has recently set up a new business and she is struggling to contribute to the mortgage so money is…
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CCJ Blunder
Hi Guys, need some help as to what to do next. i got overpaid by my previous company and they took a ccj out to gain the money back as they only gave me 7 days to repay it. the error was on their part because my notice of leaving wasn't put on record for nearly 3 months. when i offered to set up an agreement to pay some of…
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24.9.07 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 a new week !!!!! :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…
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Need a new bank account
My current banking is charging me, I know I need to claim my charges, unfortunately everything I need to do is like climbing a mountain. I have a bad credit rating, who will give me a new account with a switch card if possible. Need wages paying in [IMG]http://!!!!!!!!!!!!!!!!!!!!!!!/sig.jsp?pc=ZSzeb096&pp=ZU[/IMG]
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debt free can you please help ?
I am writing to you concerning my daughters new boyfriend (28) who has moved to Sussex from the Midlands to make a fresh start & a new life. He is a genuine lad who we like & has been straight with us about his money problems. There are 4 Credit cards debts total £13,000 plus a Bank loan of £22,500. I am trying to help him…
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Debt Diary of an Idiot - Final Chapter...
I have been visiting this site for a while and was doing ok and sorting my debts. Unfortunately I had never told my GF about my debts and when she lost her job and had a spell of only part time work I tried to help out and the only way to do so without her knowing about my problems was to stop paying some of my creditors…
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The Long & bumpy road - Natlou's 'I will be debt free diary'
Hi Everyone, I have not been a member for long, but I really enjoy reading everyones debt free diaries and have decided to start an online one myself. Since I started on this path to 'debtfreeness' (is that a word?!) little over a month ago, I have been keeping a pocket diary, but since I am the only one who reads it, I…
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sorry don't think the last message got out
I have been paying of min. payments (through payplan who have been great) for the past 3 years. I have just paid the last of my full and final payments:beer: (saving thousands) I know I will still have a bad credit rating (how long???) but what hurts more is my wife also is saddled with a bad report because of me is there…
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getting a good report
Hi. I have just paid of my debits:beer: (full and final payment) I understand it will still show on my credit rating (how long!) What I don't like is the negative rating my wife has (due to me) is there any way she can get back a 'good rating. Debit free for the first time in 3 years :j bob w
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Finding Out Who Your Real Friends Are
I have been friends with someone for about 4 years. For the first couple of years I earned a lot more than I do now. I treated her to concerts, weekends away and nice birthday and xmas presents. However, my salary has dropped albeit for a much more secure job and I have ended up in debt as I didn't bring down my outgoings…
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I'M STUCK-what should I do next?
I don't know what to do now. After being sent a letter from CapQuest about a debt to a bank I didn't know existed, the debt not the bank! I sent the 12+2 day letter to them. They have replied saying my account is on hold while they deal with my request for further information. In another letter that arrived the same day…
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Help im in a panick!
Ok started a dmp with cccs. everything seems to be going well. but barclays has just sent me a letter wanting a full payment of my overdraft what i cant afford. has this happened with anyone else with a bank. and hat should i do or expect? im worried. thanks
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paying off creditors offer ?
Hi 14 K of debt 6000 , yorkshire bank 6 ,000 M and s and 2000 Bank of scotland has any one renegotiated their debt to get a final settlement thanks Paul been paying int a dmp for 4 year but not happy with them
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What Small DFW Thing Have You Done Today? Sun 23rd Sept
Again sorry if there is a thread anywhere but I did not see it. Wanted to say that I have: * Done a local car boot sale for £4 entry and made £20. * QuidCo searches & Piggy Comps * Took packed lunch & drink to car boot and did not look at anyone else's stall! * Will list a few things on EBAY / Amazon later that didn't sell…
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What Have/Will You Spend Today Sun 23rd Sept
Sorry if there is already a thread but I didn't see it! I have spent £4 on car boot entry and that's it today.
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Offers of payment being ignored(mbna and hfc)
I have since June being trying to sort my debts out by offering the cc companies a reduced payments and a request to freeze interest. 3 out of the 5 companies agreed for 6 months(what will happen then as things are far from improving)? but MBNA just ignore every letter I sent , in which I include the payment offered…
