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I've just finished my degree!!!!!!! come celebrate with me!!!!!
I have just typed the final word of my final piece of work for my final course for my degree! :j :j :j :j :j :j I had one word to spare before I would get penalised for exceeding the maximum word count :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: So, that is it. Degree finished. The results are due out in December, so…
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FINAL Demand received before any other correspondence...
Hi, just received a FINAL DEMAND letter from First Direct dated five days after I missed my last payment. I actually told them in advance that I would be missing this payment. The letter says 'despite our previous correspondence concerning your debt we have to date received no satisfactory response'. Now I cannot…
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Credit Card Balance....In Credit
I have just checked my balance and I have a £20 credit, spoke to the customer services agent to arrange a refund and have been told that it is very difficult to get a refund, and that it will be much quicker and easier to just spend the £20. Anyone else been in this situation, I dont want to spend it, I want to put it…
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Feeling very down today...
Well i posted my SOA last week, and i thought i could be debt free in around 6 months (at a bit of a struggle, but it would be worth it kind of thing) but now i just dont know. I think i lost my part time cash in hand job (not sure the landlord wont answer his phone), i have no spare cash. I also just checked my APR on my…
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DFW Sunday Confessional 30th Sept
Forgive me Martin for I have sinned.... Herein lies the place in which to repent ye wicked non MSE/DFW sins... Repent and ye shall be forgiven!
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what have/will you spend 30th september 2007?
morning all... hope you are having a nice sunday morning. Those of you who usually contributes to the moozie challenge or those of you who want to i started the thread yesterday with some changes so have a serch for it :D Remember all ~ keep it low :j I have to go out and buy some craft things as i have just finshed the…
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first post and i'm making a new start
Hi i'm new to posting although i've been reading the boards for a while now. It seems to make more sense to join in with the challenges as I hope then it will be harder to give up and spend the pennies that i've saved on something i don't actually need! I've recently been married and are thinking about starting a family so…
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Debt Management going horribly wrong......
Deleted. User left Forum
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AAAAAARRRRRGGGGGHHHH. Sounds Painful
I took up indoor rock climbing as a hobby (and I'm loving it, by the way). But I think I went at it a bit too gung ho, and started to feel a bit of a twinge in my finger. right at the base of my index finger where it joins my knuckle, on the palm-side of my hand... Initially put it down to being a 'good' pain, like when…
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Feel guilty - could have earned some dosh tonight
My employer phoned me up at 6pm tonight asking if I would cover a waking night shift (starting at 10 and ending at 7 am. I have felt really unwell and emotional today, mainly through tiredness from working 50 hours already this week plus a couple of hours this morning. I really feel on the edge at the moment through stress…
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Newbie to the Forum-with a dilema.
Hello Everyone, I've been comming to this site for a while but have not had the 'Omph' to register. This feels rather nerve wracking as it means more of a commitment. I've been trying to clear my debt and have been quite committed since early this year. It would be amazing to be free. Although I do feel committed I think…
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how to live after being a "DFW"
Hi Guys, I'm soon to be Debt Free (yay me!) due to consolidating (have a low mortgage of £63k so it will go up to £73k) hopeing this will all go through ouk and then i'll be able to afford all the house hold bills on my wage! anyway, now that my hubby is working (another yay!) i have worked out that i will actually have…
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Bad Hair Day!
My hair badly needs highlighting. Unfortunately in London this means about £100 even at a cheap local hairdressers. Any tips? I've heard of a product that you can use inbetween to touch up the roots, but I can't find it on the internet. Although I've used my daily clicks to try and find it :p ! Please don't suggest going…
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Ways To Improve Income?
I am getting it really tight here and really need to improve my income because sadly I would be better off probably on benefits. I'm on min wage, will not get a payrise, my employer has also stopped the annual payrise which covers inflation, I have checked the local jobcentre www.jobcentreonline.com and sadly 99% of the…
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Saturday Night DFW Football party!!!
Thanks to quidco I won £15.61 on a bet for arsenal to beat west ham... not to mention the £25 cashback from :T In the mood to celebrate.. paid off a credit card this week as well as winning £15.61 on betfair PLUS £5.43 on game account which I also went through quidco for qorth £18 in cashback!! Right wo who's up for a…
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Taking A Payment Break??
I've been on a DMP with Payplan for the past 9 months and I am totally fed up being broke, in the past 9 months I have not been able to treat myselt to as much as a bloody gravy chip from the chinese, I've had to buy all the reduced items from supermarkets and to be honest I am just fed up to the back teeth with it all, I…
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Please Advice On Debt Management Companies
Hi Everybody I'm new to the forum so excuse me if i'm repeating the post, but i'm in rather urgent situation and would appreciate quick response. Many thanx Timo
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help please advice needed
have a old credit card debt with barcleycard was 4300 pounds. debt sold to connought credit 2 years ago. Since then I have paid off 950pounds, originally paying a amount of 100pounds a month then fiftypounds a month. Have missed a couple of payments including last months. I rang them this morning and offered a payment of…
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Are they right? Is this legal?
A while back I was on a DMP but I managed to settle most of the debts with settlement offers, thanks to lots of useful information on this great site. But I've one creditor and I'm not overly sure who they are representing. It's Aktiv Kapital and they've purchased the debt off another company. So... I wrote them a letter…
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Please help me I feel like im losing control!
Hi all Sorry this is long winded! I dont know what to do, and I may just be having one of those days but everything seems to be a mess and I dont know what to do anymore. Im a single working mum, 23 years old and live in a fairly expensive town, with high rents and cant get a council house. Im already with payplan paying…