Debt-free wannabe

Discussion List

• Helppppppp

  I have been paying my creditors via Payplan for over a year now and was surprised to get a letter from a debt collection agency last week. They have told me to pay up or they'll send the local agent around to collect the debt. Since then I have received a letter from payplan saying that they haven't received payment since…

• renegotiating with creditors

  14 k has any one offered half or 75 % thanks

• Bailiffs threatening for debts from a previous occupant

  I've just returned home to a very threatening letter...a removal notice for a large debt owed by a previous occupant. I moved in last December and have been returning letters addressed to this person saying 'not known at this address' etc. They are now threatening to come with a locksmith and seize goods up to around…

• Contact Lenses

  I use contactforlenses to get my contacts, but I messed up with the order and used my work address and my home postcode, so they have got lost in the post. I totally appreciate that this is my fault, but thought that the company, after having several orders from me, might offer a goodwill gesture and send them out again.…

• CapQuest and Egg Credit Cards

  Hi, I have been hearing a lot of bad things about CapQuest. I am currently half way through paying back 4K on a Egg Credit card with CapQuest. I have been paying £200 a month but they keep wanting to up the ammount. My main concern is may credit report with Experian. The Egg debt shows completely as (o) and with a status…

• So Angry I Could Burst!

  GRRRRRR.... I am an agency worker and was told a year ago when I started my new contract, that I would not be paid holiday as it was part of my hourly rate. today I find out that I in fact DO get holiday pay and I am owed over a month's salary. This has caused SO many problems in my life over the past year. I have had…

• How forgiving are Debt Collectors?

  Sorry Probably not the right title but i couldnt think of the right wording! Anyways if you have been sent letters from debt collection companies, how often do you recon they will give you say 3 months grace to make the payment if you ask? I mean if theres no chance of payment now, but possibility in say 3 months, will…

• Not on the Electoral Roll - Is this affecting me?

  Hi, I recently found out I am not on the electoral register, and actually never have been. No one knows why. Ive never been able to get any sort of credit. I recently went to open a student bank account and they rejected me for that. Ive had no other bad credit. Any ideas?

• In debt and need some advice on how to help get out of it.......

  Hi to everyone, I'm a newbie to the forum, but would like to get out of debt... I live on my own, and so don't have much spare cash. I don't want to stay in all the time being bored and lonely, but know I need to make in roads to my debt, which currently stands at around £17,000. I am working a full-time job and a Sunday…

• Is this moneysaving?

  Just a quick question, driving home yesterday it came to me (clearly have too much time on my hands to think!) I charge my mobile in the car from a car charger to save charging it from the mains at home and hence save electricity however what occured to me yesterday was this, am I using extra petrol charging my phone in…

• Snowballing question

  Hi folks, Got a question ref snowballing. I understand what snowballing is and how it works but...when you have a lot of credit cards and other debts how do you handle the various options for paying off the debts optimally. The standard advice is to pay off the highest rate debt first but what happens if for example by…

• Need 3 Months Grace

  Morning Looking for advice please - My mother is around £30k in debt....At present there is more being taken out her account a month than goes in. I am going to pay all her debts off for her - However I can't get the money until Mid Dec. Is it possible for her to approach the various banks/credit cards and ask for some…

• Is bankruptcy the answer?

  Hi everyone, Could do with some advice if possible please. I had a Credit card that had over a 4k limit, i went over and was paying £100 a month but this was just paying the interest and the debt wasn't reducing, my bank then gave me a loan to pay the credit card of, but i spent again on the credit card so i had double the…

• Where do I go from here...

  Hi, I am currently being transferred with my Company to work in Sydney for a minimum of 4 years. The problem is that I have around 70k of unsecured debt which I can't afford to pay when I am there. I am selling my home now which will clear my mortgage completely but I really don't know what my options are regarding the…

• Help me be debt free

  Have got into a pickle and not sure of best way out DH and I are arguing all the time because of the stress of debt and raising a young family too. He doesn't want me to post a SOA on here, but we are both unsure of answers, so hopefully you can read between the lines. Basically our outgoings exceed our incomings ! On top…

• TV Licence rant

  Hi I know there isnt anything I can do about this, but just wanted to let of steam! After nearly 4 weeks of living without a TV licence, I went to the local newsagents and bought one using PayPoint. I bought it on the 16th September 2007, but the receipt I was given shows an expiry of 31st August 2008. I had, wrongly…

• Help me be debt free

  Have got into a pickle and not sure of best way out DH and I are arguing all the time because of the stress of debt and raising a young family too. He doesn't want me to post a SOA on here, but we are both unsure of answers, so hopefully you can read between the lines. Basically our outgoings exceed our incomings ! On top…

• Debt advice needed please. L&T

  Hi everyone, I am a new poster here and in need of a little advice please. here goes. I have a debt of £546 which was passed onto Legal & trade roughly 6 months ago I have been paying Monthly payments every month as agreed by them. I called them 2 weeks ago asking for a letter stating what I owe now as I might be able to…

• They didn't tell me to ring the Samaritans

  Just put my details (horrendous) into CCCS and fully expected a 'sorry mate but you really are in the s***' response. Didn't get one, they want me to ring them. Hope it'snot just to say 'sorry mate you really are in the s***' :rotfl: I'll let you know how I get on, to be honest I feel better just because I'm trying to get…

• Pilot but dont think that = Money, I need your help.

  Hi, This is my first post so please feel free to get stuck in with constructive criticism. :D I took out a postgraduate professional studies loan with HSBC to the tune of £45000 in order to live and carry out my flight training in order to become a commercial pilot. I have also studied at university and have a number of…