Debt-free wannabe

Discussion List

• What have you spent today Mon 17th Sep

  Afternoon gang, If there is already a thread then please feel free to delete this and to send me to the naughty step:rotfl: .Today I have been back at the vets-thought it wouldn't be much BUT....Phoebe had other ideas.She developed an abcess on her bum!!!!!!!!!!!!£30!!!!!!!!!!:eek: :eek: :eek: . Other than that £1.89 in…

• paying off debts in full

  hi there my fiancee is £7000 in debt and we need some advice we have just had a £5000 windfall my question is if we offered to pay these debts back she owes 7000 to five companies by the way could we get a reduced settlement if so how much we looking at and which is the best way to do this ?

• Avogirly's thread to keep her going.....

  I thought it was about time that I started a thread. I want to do this for many reasons, but mainly because I loose motivation all the time. I also have not told anyone how much debt I am in, which is a huge weight on my shoulders. My parents and boyfriend know I am in debt, but they think it is half the amount it really…

• I love days like these....

  Yes I know, it's Monday, 10 days before payday and I had only £8 to my name for toothpaste, shower gel, bread, milk, eggs, fruit for the week but... I wanted to say thanks to everyone because what just happened is because of the advice here (and on OS board). 1. Because of meal planning, main meals are sorted and in the…

• First Step Taken

  OK not earth shattering but it made me feel that at least I've started. Lloyds didn't pay any of my DD's last month and have charged me £1200 over the last two months for the privilege. Talked to their collections in India and she said they were prepared to let me pay off the last charges for £700 in installments if I gave…

• negotiating debt

  Ha any one sucessfully havled or had a bit wiped of debt if you offer them one credior has offered 30 %

• minimum monthly repayment for IVA?

  Afternoon all My mum did some research on the 'net about IVA's and she claims she found some info that said IVA companies do not accept less that £250.00 per month repayment; is this correct?? (Also, what is a 'troll' (I keep seeing them on this website...) Thanks

• Letter templates

  Hi, I could of swore there were some templates you can send to your money lenders to inform them of certain circumstances when you couldn't pay your bill. Ways of paying off chunks of credit cards, without paying the full amount. I can't seem to find them, can anyone paste a link?

• Advice needed asap

  Hello Before i write i ask please not to judge me and to answer my questions if possible. I am a 27 year old male, have around £50k of unsecured debt i go bankrupt tomoroow and also ashamedly have committed five counts of fraud. I live at home still, i have no assets, and whilst trying to start a business, i panicked and…

• Two DCA on case now

  Just wondered if anyone had any advice its a little odd. I had an Abound catalogue which was included in my DMP, they sent it over to a DCA about a year ago Intrum Justitia which have been happy with payments. Today I got a letter from SRJ Debt Recoveries with a balance which looked similar to this account, I never…

• Ex wife's getting most of my income!

  Not quite divorced yet - decree nisi only - but financial advisor has drawn up a plan that gives my ex a large chunk of my pensions. With my outgoings (not taking into consideration any pocket money, emergencies etc.), this will leave me £4000 per year short! Problem is the plan is supposedly putting us on an equal footing…

• After setting up a DMP...

  I have set up my DMP, should all be working within a week or so when my new account stuff comes through Anyway, I have just been offered a £1400 interest free credit card and I am thinking of keeping it just to give my credit rating a chance?? The account is open and running...do you think it will help? There's nothing on…

• Set up my DMP - Any advice/tips

  This is my first posting.I'm £30k in debt and have just signed my paperwork to begin my DMP. I've buryed my head in the sand for years but am no longer in denial,i want to sort my debts,and have come clean to my partner of 6yrs,who was much more understanding than i expected. What should i expect from my creditors to start…

• electoral roll duration

  OK so I've registered on the electoral roll. Does it matter how long you've been on it or at your address for or is being on it enough to have an impact on my rating? Instead of making multiple threads I'll just ask my other questions here too if anyone can help. Vanquis specialize in credit cards for people with poor…

• HELP - 02 is stopping me getting a mortgage and ruining my credit file!

  Hey everyone, Some of you may remember 02 online being featured on BBC1 watchdog programme a few years back for putting default notices onto people’s credit files with no reason or paperwork. Many reported cases happened with some poor !!!!!!s having a default left without their knowledge for as little as £8. I was…

• Credit cards cheap (or 0%) balance transfer

  My parents are fairly elderly and worried about the balances they have built up on various credit cards. These include: Homebase, Sainsbury's, Capital One, Abbey, etc. I am not sure how many, but at last count the total balance for all of them was around £30k. Clearly this is a problem and I am reading as much as I can…

• My Ticker

  I hope no-one minds but hubby and I have just sat down with our calculator and worked out our plan to become debt free and I wanted somewhere to come and see my ticker so I could see the progress. It's going to be a hard 8 months because we are throwing everything at our debts but I'm hoping next Summer will be a good one…

• dmp has any one paid off creditors 50%

  i have a debt of 14k been paying into it for 4 years has any one offered 50 % of the debt or 75 % i am thinking of remorgaging Paul.

• Orange

  This is a long story but I contacted orange at the end of last year as my phone had stopped working & was told that as it was over 6 months old they were not willing to replace it, I could not pay my out of the contract as it still had 5 months to go, so I left the contract running & got another phone that costs me £5 a…

• How Does Northern Rock's situation effect my debt?

  Hi all My biggest debtor is Northern Rock with whom I took out a 18k loan (but they are insisting the debt is 23k with all the interest up front). Because of their reluctance toward IVAs I was forced to go into a DMP and even then they were one of the creditors who gave me the most grief. How does their current shaky…