Debt-free wannabe

Discussion List

• Mortgage arrears help needed please

  Just had a letter this morning to say that the mortgage is going up another £120.00 next month:mad: , nearly £2000 in arrears, whats the best way to tackle this, is it possible to get the arrears added on to the balance, can't remortgage yet as tied in until next Aug and to top it all BT have just barred my phone can this…

• Newbie! Aiming to reduce+clear debts (SOA inc)

  Hi guys first post after reading the message board I thought it was time to get some help! First of all I am a bit worried that the level of debt I am experiencing is a lot lower than some posters here but it is worrying me greatly so I hope to get some advice - mainly because I am scared it is affecting my relationship…

• Blackpool @ home thread

  Good luck to everyone going to blackpool, hope you have a safe travel and have great fun... All those who can go either because of work/travel/finance this is the blackpool @ home thread :rotfl: be here @ 1pm to meet everyone (watch out for the tower) and dont forget your picnics. Then as night falls get ready for the…

• In crisis don't know where to start

  Hello all, Hope I can finally get some decent advice! I'm sick with worry. Due to my marriage breaking up, my income dropped suddenly last year, and I just haven't managed to tighten my belt enough to keep up! I now have in the region of £11000 in credit card debt, and I am just on the edge of being unable to make the…

• Quidco - does this mean...

  Morning :) Just wondering if any of you Quidco experts could help me. I joined Gala (with £30 given after waging £10) It has come up on my Quidco as - MERCHANT AMOUNT EARNINGS STATUS PAYMENT Gala Bingo 1.00 30.00 validated~ Dec 2007 Does that mean I get £1 or has the full £30 been awarded. thank you in advance Quidco…

• 15.9.07-16.9.07 what small dfw thing will you do or have you done this weekend?

  Good Morning fellow DFW Peeps and welcome old timers and newbies alike :hello: It's the weekend !!!!! :cool: When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym.…

• A little too frugal...

  After seeing an ad for a free cleaning at the local dentist school, I thought it was a fabulous idea... BAD IDEA!! I found an article on facebook advertising a dental student needing clients for a free cleaning. Score, I signed up! I was able to go mornings.. What was suppose to be 2, maybe 3 4-hour long appointments has…

• attachement of earnings

  i have been paying into a debt management company 4 years have have had a attachemt of earnings order today has this happend to any one as they want my employers name and i dont want them to find out can i take a secure loan or remortgage to clear debt i have no faith with the company

• Ten year old debt - not even sure it's mine

  Hi, I could really do with some advice re some letters I've had from a company called Lowell Financial. They first wrote to me a week ago, 2 letters, both about different debts they had bought from HSBC. I called them straight away, gave them my birthdate, and they said that they had got the wrong person, as the birthdate…

• No Party??

  Home alone and single for first time in ages and no party??? Oh well. Just Vimto for me then!

• Credit Card APR nightmare

  Hi all I wonder if someone can help me. I returned to work in March this year after having 8 years off to bring up my two boys. During that time I used two credit cards to fund any extra expenses we had (I now realise what a bad move this was). I am now in the situation where I have a Cahoot Card with an interest rate of…

• The Shopaholic's Anonymous Challenge

  Ok guys I thought us SA's could do with a challenge to keep us in line! Ok so how about for one week (or one month i guess we could do if people think we need longer!) we pick the item we succuumb to most or the shop that we seem to blow the most in and for whatever time we pick we do not buy that item no matter how much…

• What is an IVA?

  Soryr for the thick question!! Do I have one? I have made arrangements with my 2 creditors til I can start work again

• Council Tax Problem

  Hi guys, it's my first post over here on the DFW board, I hope you don't mind but I need some advice and I do read this board alot and everyone sems helpful and understanding. Admittedly, myself and my partner are rubbish with money, we struggle to make ends meet when we really shouldn't have to. I've only lived away from…

• Help!!

  Can anyone offer me advice my daughter bought a top from 'simply be' catalogue last year at some point, she never paid for this top and they immediately slapped on two £12.00 charges - she tried to argue the case with them and got nowhere - now time has moved on and according to her account with simplybe - she has encurred…

• Advice for clearing debts & saving

  Hello, I'd like some advice from people on here... first and foermost my first need/want is to pay off outstanding debts and then continue to have savings... at the moment I don't save (bad I know) I'll show you my finances I have worked out: My income is £2300 a month (£800 of that is a tenant so not 100% reliable for…

• Debt Escape Artist - Me Becoming Debt Free

  Howdy all! I have finally decided that I REALLY want to become debt free. Funny enough I have decided that a number of times over the years. ;) Anyway, this time I am hoping that by keeping a diary and all my "documents" in one place that I may actually be able to do it. I also hope that you may all be able to help me too…

• Feel good Friday facts

  Well its nearly time for the weekend to start!! Its still reasonably nice outside and quite a few people seem to have had some good news, so lets share the good things that have happened this month/week/day and try and get some happy positive vibes going! I saved my OH about 10k from his house sale/purchase My chaise…

• Advice Sought on Raising Overdraft to pay off high plastic debt?!

  Hi! I haven't been around for a wee while, mainly cause I fell of the DFW wagon and am trying to get back on! lol My internet banking has a function for increasing your overdraft limit depending on what they say you are eligible for. The interest rate on this is 6.9% AER variable at present. I have three store cards with…

• Unbelievably incompetent RBOS (long)

  Last year, with the help of the MSE and CCCS my OH and I got our huge debt under control. Part of the solution was selling a property we rented to students which was mortgaged with RBOS.:( ...may their profits go into freefall. So, in Jan 07 the house was sold and RBOS made sure they claimed back every penny they were owed…