Debt-free wannabe

Discussion List

• Poor Credit Rating Help please

  Hi New to this great site - just glad there is somewhere to turn!! I completed on my IVA in January 2006 and am now looking for a joint remortgage with my wife. The trouble is my credit rating is letting us down and we have been advised to get that straight before we apply to ensure we get a good rate! Some of my personal…

• Money Transfer

  Hi I have a fairly large debt on my overdraft which I would like to transfer to a 0% interest credit card just while I pay it off to avoid any bank charges. However, this is classified as a money transfer isn't it? My credit card has a really excellent rate on balance transfers but unfortunately charges around 28% to do a…

• A weight has nearly lifted - consoladating

  Today was the meeting with the bank to borrow extra on the mortgage to clear £12559 of debt on credit cards. In a nutshell. Mortgage is £62,000 on house worth £225 Borrowing £13,000 to repay back everything including 2 overdraft and three credit cards leaving me with about £500 give or take left over to put into savings.…

• As the username suggests, I need help...

  OK this is quite hard for me as I didn't actually realise what a bad situation I'm in before today so please bear with me. My SOA Mortgage/Rent - £350 Council Tax - £50 Gas - £20 Electric - £20 TV License - £22 Phone - £25 Food - £150 Car Insurance - £35 Petrol - £30 Debts Egg CC - £5,234.62 APR 21.9% Mint CC - £3,211.83…

• Student Loan - Asking for CCA????

  Hi, I recently began repaying my student loan (initially taken out in 1996). The company tracked me down and without thinking I offered to repay the debt at £30 p/m (overall debt was £1800). Since then I have been written to by Thames Credit regarding a Barclaycard. I then discovered this forum and all the helpful comments…

• More Christmas Gift Ideas!

  Following on from my SOA, one of the things that stood out most was about being creative when it came to giving presents etc. Well, I put on my thinking cap and have decided to make "goody-baskets" for my friends and loved ones this year, each individually chosen for that person's interests or personality! I have basically…

• Paying off debts early - within a CCCS payment plan

  Over the last two months we have been able to pay off two of our debts early. One was because the amount was £20 - and they then accepted a payment of £14, the second was because I asked Capital One to refund my chargers (which totally wiped out my balance). When I told CCCS they we shocked that I could afford to pay £200…

• a quandry

  Hi Guys!! Hoping for a little assistance to a few questions that i have....sorry for starting a new thread but not sure it would be answered on my diary. Hope that you are all ok and having a great day. Right, here goes. 1) I am in a position now to be able to pay more off my debts, prob about £300 give or take. Now put it…

• re determination transfer courts

  Hi, Sent off a letter asking for a re determination and that it could be transferred to my local court. Got letter back setting date for redetermination and that it MIGHT be transferred. This was 3 weeks ago and the hearing is in 2 weeks.. How long before i can expect a letter saying its transferred to my local court or is…

• paying off creditors ? question

  hi all i have debts of 14 k has any one negotiated 50 or 25% off creditors i have been paying a dm program 4 yrs but unhappy with them thanks Paul.

• Help! Letting Agent Credit Check Question

  Hi, I've recently got a new job in London (woo-hoo) and am relocating from Brighton. I need to rent a property and have had absolutely no luck in finding a private let. I am going to have to use a letting agent but I know I will probably fail a credit check as I am on an IVA. I can provide glowing employer and landlord…

• Help

  I was reading one of the threads on here yesterday and somebody kindly posted a load of website addresses of siites to make mone i.e- pigsback, mystery shopping etc?

• Northern Rock harrassment

  Dear All After a long and threatening phonecall to Northern Rock yesterday regarding my loan account, I spoke to the CCCS who advised me to write a letter to them quoting the OFT guidance and asking for their complaints procedure. Does anyone have a template for this kind of letter? Only if I write it it'll probably be…

• Last debt payment has now left account

  I know that for many purists on here having a payment leave your account doesn't count... I mean James 240 wouldn't count it as gone until it shows up on the statement / their account,...............but as far as I'm concerned I've now paid off all my credit cards and have only the credit card debt that I pay off every…

• Nationwide ...

  Has anyone had any dealings with them.We have been on a DMP with payplan since april, Nationwide have been one of the last including LLOYDS who have not agreed to the DMP. Hubby recieved a letter today to say that they are referrying him to their solicitorsfor litigation action. Does anyone know what might happen next? cq

• Help with United Utilities debt?

  I would be very grateful if anyone can help. I still owed United Utilities for some water rates from 06/07 so I was paying this to Moorcroft Debt Recovery, however UU passed on this years bill 07/08 straight to the recovery company and I'm now paying 50.00pm. I've just spoken to Moorcroft on the phone and they said unless…

• My win and the end of the story

  Hi there As other have seen I had a very surprising win on a gambling site, see here http://forums.moneysavingexpert.com/showthread.html?t=546757 Well two weeks later I will tell you the rest of the story. I was absolutely in shock about the win. And over the next week I started taking out the money at the max you can a…

• help

  have got 63k debt. have been keeping secret from partner cos really scared. he just found out. some of it is his debts. behind in all payments. got 1 ccj each. his is going through to secure debt on house. income 2500 pm. what can we do

• what have/will you spend tues 18th sep 2007?

  morning all hope you are all well and having a great morning.... remember to post what you spend and most of all 'keep it low' :D i am having a very busy day again today :rolleyes: driving for 4 hours today :eek: and then college later :rolleyes: anyways i dont know what i will spend i know i have to buy some choc coins…

• Evolution of a DFW

  OH treated himself to a little something yesterday. 120 pounds of something . It was not a silly purchase, bought from ebay rather than new (saved hundreds of pounds) so very MSE but not DFW. I knew he was going to do it, and did not discourage him as I really do not want to nag. He did realise that cashflow is tight this…