Debt-free wannabe

Discussion List

• My money saving day!

  As I'm skint I thought Id use my clubcard tokens for a cheap day out at Alton Towers (tickets are £32 each normally! :eek:) so only had petrol and food to pay for. Anyway I'm going down the motorway when a tiny little stone jumps infront of my windscreen and chips it, so much for my cheap day out! I'm hoping that the chip…

• Sell house to pay off debts

  Finally called CCCS about my debts and had it confirmed to me just what I thought I should do which is to sell my house and pay off my debts. I have posted my situation on here before and dont want to bore everyone again but if you need more info please ask. I guess I'm looking for reassurance. If anyone has sold to pay…

• Refusing to freeze interest.

  Hello.... Still having my problems with the Cooperative Bank. They have accepted my reduced payments on my credit card for 3 months, the letter stated that after this time they would require an increase. They reduced the monthly interest from 0.75 to 0.5 which basically covers my reduced payment and leaves 50 per month to…

• i am really unsure what to do

  i realise now it is time to confront my worst fear i am in debt i keep taking out loans to replace others and now i am at the end of the purse strings i am not at the minute struggling but i know within the next cuople of months i will be over the edge with debt where do i start :cry:

• Anyone help with the spending diary website?

  Hi, was using the spending diary website religiously to keep track of spending. It was saved as a favourite so didn't ask for my password since I signed up. For some reason, my laptop has now deleted my sign in details and I can't remember them! I don't seem to be able to find a box where you can get your details sent to…

• Moorcroft Letter (2) advice on next step please

  As i have said on my other post Moorcroft Letter (1) advice on next step please, i have 2 accounts with Moorcrofts and sent letters to them last week requesting CCA's and letter confirming they can chse this debt. this is my reply to the second account Dear Miss Spaniel36 I write to confirm that our client (shop direct…

• Moorcroft Letter (1) advice on next step please

  hi, i have two accounts with Moorcrofts and last week i sent off a letter requesting the copy of CCA and letter confirming they can chase the debt...this is reply to the first one. I would like some advice on what my next step should be. Dear Miss Spaniel36 Thank you for your letter of 10th September 2007. At this stage we…

• Capquest debt recovery letter...

  Hi guys, been doing a bit of searching here and on google about this 'company' as my girlfriend has recieved a letter from them this morning saying she owes a sum of £282.95 from Argos which she had completely forgotten about. (It states her Argos account number too) The reason for forgetting was because she used to live…

• Chloe's diary on the road to debt-freeness!

  Hi everyone, where to begin!!:rotfl: I've been on these boards about a month and am making really good progress. However, have decided to start an online diary in order to keep myself focussed. I am no good at written diaries as they can't talk back to you! I am hoping that by charting my progress online I can benefit from…

• Don't know where to start

  I'v got debts of £70,000+. I just don't know where to start to sort them out. I have sat down today and gone through all the paper work, unopened letters threatening court action baliffs etc. I know I have stuck my head in the sand and tried to avoid facing up to it for too long but now that i am trying to deal with it, it…

• Fed up

  Hello everyone, thought i'd start a online diary, if anything it's so i can keep track of things and maybe a little something to motivate myself as i'm feeling a little bit down at the moment. So a little bit about myself...... I'm 22 and live at home with my parents, i work as part of the government although our office is…

• full and final payment

  Hi. I'm about to pay full and final amounts :jfor loans I defaulted on about two years ago. Both companies have said that it will be a 'full and final' payment. apart from getting that in writing is there any thing I should look out for. Can they claim the rest of the money some years from now? Will this now improve my…

• Say No to Consolidation - Can I do it?

  As you lot probably Know already I have been a bit down lately... Apart from a tough couple of years this is quite possibly due to being in a bit of debt... and instead of getting better I seem to be getting worse.. However, I have felt better lately and I had the bright idea of consolidating. I know! I know! I would…

• What to say to bank

  Hi all, I have hit crisis point with my overdraft, I am struggling to buy food at the moment because all of my wages are taken in overdraft and then some. I have called the bank to see somebody to talk about options that are open to me. Just wondered if anyone had any ideas about how I should approach them when I see them.…

• Mortgage help please?

  Hi,i currently have a 25 yr repayment motgage with hsbc.due to stupidity on my behalf i have missed one months payment of £500.Does anyone know the chances of just paying the interest for a couple of months and how you go about asking or even if its actually possible?thanks.

• Advice and Help before taking out further Debt

  Hello Im new to MSE and feel quite ashamed and ill with worry We have just applied for a secured loan which upon recieving the paperwork fills my heart with woe:eek: My partner and i have a mortgage and £56000 unsecured loans at the moment!!!! My partner feels that going for a secured loan to pay off some of the debt would…

• Another newbie - SOA included

  Hi Have been lurking around this site for a few days now, and have decided to get myself into a better financial shape than what I am in now. I live in the North East, and I am still currently at home with my parents who are graciously letting myself and my hubby bunker down for next to nothing. We would love to move out…

• my mind and money!! - what next?

  My LBM was septmember last year, and since then i have: At point of LBM, over the last couple of months i have had enough of debt and changed stuff around. Below is what i was paying, and then below that is what i pay now. Life Insurance £45.42 Gas £42.00 Electric £31.00 House phone £35 Broadband £22 Sky £58 Mobile £45…

• my mind and money!! - what next?

  My LBM was septmember last year, and since then i have: At point of LBM, over the last couple of months i have had enough of debt and changed stuff around. Below is what i was paying, and then below that is what i pay now. Life Insurance £45.42 Gas £42.00 Electric £31.00 House phone £35 Broadband £22 Sky £58 Mobile £45…

• what have/will you spend saturday 15th september 2007?

  morning all :j hope you are having a lovely afternoon. Today i am hosting blackpool... so i am not moving all day ~ except to do some housework soon soa big nsd from me... how are your doing hopefully if you spend you will 'keep it low' just beacuse today isnt part or the challange doesnt mean you can over spend :rotfl: