Debt-free wannabe

Discussion List

• What have / will you spend today? Weds 19th September

  Hi guys Hope you don't mind me starting off! I have a work lunch, so estimate £7 (claimable). Also just paid Elephant £74.10 for last month of OH's car insurance as we've swopped to A&L who are £300 per year cheaper, and got out of paying the cancellation charge, hurrah! Have a lovely day everyone x

• mortgage + loans

  is it best to get a mortgage with a fixed rate that i could include my loans in and just have one payment a month. or get a fixed mortgage and slowly pay off loans also need info on how to get a credit rating as this may be affecting my applications thanks

• In debt trying to get out of it any help

  Hi there im in debt im a father of 2 and have debts of 26k without my mortgage thought about giving euro debt a try but thay want 1600 for there trouble any advice guys much appreciated

• If you knew then what you know now...

  Hi Everyone I'm really new to this whole thing (SOA still to come once Im slowly but surely bringing myself to look at the figures) but I'm being really reflective right now and wondering how I could stop my kids (when I have them) or other people from getting into debt themselves. I have a few cousins and relatives who…

• advice re credit cards

  I hope nobody minds me starting a new thread but i wasnt sure if i would get replies on my diary. I currently have 3 credit cards Barclaycard Balance £1450 @ 19% limit £2000 Mint Balance £8941 @ 25% limit £9100 Egg Balance £9467 @17.9% limit £9500 I have just been accecpted for a natwest credit card with a limit of £4200.…

• Solution found

  I posted on here a while ago that I had a lot of debt. I had some great advice and thought I would update you on what I have done. To remind you of the situation: I had debts of £46k due to Uni and general cash flow problems (borrowing from Peter to pay Paul but forgetting to pay Paul back etc.) I had approxiamately : £17k…

• whats the 1ST Credit debt company address?

  hi, i need the 1st credit adddress, as they are harassing me for debt to barclaycard that isnt mine!! it was with barclaycard but then passed to 1st credit i already wrote to barclaycard to inform them of this and enclosed another same letter to pass onto 1st credit - its clear they didnt bother!! i need to write to them…

• How Does an IVA Show up on your credit file?

  I'm on an IVA and have to go through a credit check shortly as I am moving and this seems to be standard practise with letting agents these days. I just want to know how my IVA will show on my credit file, will it be a notice of defaults on all my creditors or something else? Cheers!

• Paypal and Intrum Justitia.

  Hi Can anyone offer any advice? I've searched on the subject but I can't find the same scenario anywhere. A few months ago I sold an item on ebay and shipped to the States, total value just less than £40. I have proof of postage and customs certificate showing addressee. (sadly it's not trackable) The guy then either…

• Oh dear...

  Hi all first post here but i am in need of some advice. I have a home that was left entirly with me after my ex wife left me with everything. Earlier this year i desided to sell the house due to loosing my job due to stress and depression and to start fresh. The house has recently sold but my ex's name is still on the land…

• Westcot Credit Services - do they sue?

  I have a defunct O2 contract on which I apparently owed £34.99 (not sure how they get this, my contract was £17.50/mth I think), which has been passed to Westcot. They passed this to 'Nelson Guest & Partner Solicitors' who threatened legal action I quite welcome the legal action, because O2 owe me about £20 on another…

• Not Entirely Serious, Hiding debt from others

  Hey all, With all the hard work re-organising debts I'm giving myself tomorrow night off to see a film with a man, no less! Thing is, the thing that bothers me most about my situation is my stupid pride, and also the worry it would cause my family, and I don't want people to feel compelled to pay for things, especially…

• hello

  Hi guys I'm totally gutted cos i haven't had the chance to visit the forums as my work has blocked access to any websites with forums. I feel as though i'm slipping back to my old ways without the daily support from here. I can see my DF date getting further and further away. I did pay off my studio bill of £160 from last…

• desperate for advise and tips to get out of debt without going bankrupt

  Well im 25 and having started a new job now find myself in a position where my income covers my bills and debt payments but leaves me with nothing for food etc. This is not the major issue i know i could get a 2nd job to bring in extra cash but cant seem to get something that fits in with my current job this also does not…

• cca can someone explain

  Please can someone explain the cca thing?? or point me in the right direction for information. just intrested...

• No longer consolidating and my SOA...

  Hello, I'm a newbie with new found debt I had been ignoring and hiding from for some time. It's at around £26,400 which came as a big shock especially since my wife announced I will be a dad in 8 1/2 months. As I briefly mentioned on an earlier post I was just about to apply for a secured loan which I was convinced was the…

• Debt now under 10K

  Hi Guys, I know I still have a lllooonnggg way to go but I thought I'd just share my small milestone. Thanks for listening Maz

• Empty threat?

  Hello again! This regards our good old friends moorcroft. Requested CCA, reply back along the lines of 'we cant supply this however our client says you ordered goods blah blah blah..please call to propose how you wish to pay'.... today i receive a letter from moorcroft offering me to settle at 75% of the debt to prevent…

• Need advice re Mum's alleged debt.

  We have recently moved my mum into sheltered accomodation as she wasn't coping where she was - still isn't but that's another story! Anyway, a big part of her health issues are related to dementia, and getting information out of her is pretty much impossible to be honest. So while I was checking through her mail recently…

• Best Place To Start

  Hi Folks, Im sure you people get sick of being asked this, but im going to be another pest, Now for a while i was terrible with money, and ive suffered what normally happens and got in to debt. It spiralled out of control after the failure of my wedding last year...just before wedding day, so i was saddled with paying off…