Debt-free wannabe

Discussion List

• anyone ever had refunded

  when you write the last letter saying you want all monies paid back because they cannot provide a signed cca - has anyone ever actually ever got their money back? or - what did happen when you got that far? thanks

• Full and Final Settlement Advice.

  Hi there! I'm new to the site so please be gentle! I'm after some advice on full and final settlement offers. I'm in a position where I have a lump sum (from selling my flat) and I can offer each of my debtors 25% of the debt. I have been on an arrangement with all of my debtors for the past three years and have kept in…

• PRE-student debt

  Hey guys, (hope this is the right forum!?) Ok.. I got a credit card about 5 years ago (problem starts) and was paying off £100 every month. The amount owed on the card went up to about £1800 a year ago. At which point I was made redundent (ouch). I then hide from the debt and started college part time so I could go to…

• Tempted back into debt.........

  hi we are now (after many years) living debt free and use only cash for everything, however there are things i need (read want) that i just don't have the cash for ie things for the home clothes for the children etc and have been seriously considering using a catalogue to buy these things putting the payments aside each…

• Party Season Challenge!

  Hi Guys. I'm a regular on the Lenny vs the Girls challenge and as we all know Lenny is due home any day now (Welcome home Lenny!) I've found the support there really helpful in my mission to loose some more weight, and was thinking that we should carry this on. So when I was at my slimming class last night, the Guy who…

• Is this the right thing to do?

  Posted here on Wednesday, have debt of about £10,000...am not working at all now because of difficult circumstances which will change september 2008. Have 2 creditors Well since Wednesday I have been busy:A :T I have set up a cashminder account with co-op...just waiting for it to come through I have a credit card (Low…

• direct debits and debts

  Hi Guys, I have a slight problem! just received a standing order mandate from a debt collection agency. they say that I owe varde investment (ireland) ltd £933.83. It turns out that varde bought a debt from a tv rental company in 2001. When I took rental of a tv and video in 2000, I set up a direct debit and paid each…

• SOA - not mine - member here who doesnt want to be named...

  Good Morning all Yesterday I recieved a PM from a member who wanted help getting their debt sorted. They are too scared to post it on here, eventhough I have told them there is nothing to be scared of. As they wouldnt I have offered to post it up on their behalf as there is only so much advice I can give and this person…

• how do i manage on this

  hi all after a long time of debating reading and watching i am now posting my soa hoping you can help. here goes incoming £665 pension £1100 wages £520 tax credit £120Family allowance £112 IIB total£2517 Outgoings £800 mortgage £565 Secured loan £227 Car loan (48 months left) £197 Halifax loan (12 months left) £135 Abbey…

• Thames Credit Management

  Hi, Hope this is in the right place. There was a very small piece on our Local news last night about a compnay called "Thames Credit" writing to customers saying that they owed xxx amount on credit cards or loans etc; and that they were now managing the debt. When customer calls to either dispute that they owe anyone any…

• What have / will you spend today? Friday 14 September

  Hi guys Thought i'd start off today if no-one minds, save lovely PAP, Moozie and Rog the effort! Hope you're all having a lovely Friday - It's nearly weekend! I've yet to grab the vitamins i've been meaning to buy all week, and am going to pop to Sainsburys for some ham / rolls for lunch before we drove up North to our…

• Quidco!!!

  I just love quidco---cant believe i am getting £120 just for taking out a policy!!Can anyone please advise what "clicks" I can do for free money? I noticed there was a thread somewhere but I just cant find it.Thanks everyone xxx

• CCA agreements

  Hi all I'm after a bit of advice. What exactly constitutes a true signed copy of the CCA agreement? Does it require just the borrowers signature or both the borrower and the lenders signature? I'm a little confused as i asked a lender for a copy of my signed CCA agreement and they sent it ( fair enough) but it contains…

• Student Loan Company Threatening Decree

  My DH moved and failed to pay off his Student Loan of £2k. For the past year we've been paying them £30 per month via standing order as per agreed. Last month my SO was bounced by my bank. The SLC are now threatening a degree if we do not pay in full within 5 days. The balance is now just over £1k :eek: , needless to say…

• It's all going wrong

  I'm having a real sh1tty time of it at the moment and last night just finished me off. End of July I set up my DMP with Payplan and also opened up a new bank account with Halifax as one of my creditors is my previous bank. Halifax were so slow and the account has only just been finished! After many phone calls and rants at…

• 14.9.07 what small dfw thing will you do or have you done today?

  Good Morning fellow DFW Peeps and welcome old timers and newbies alike :hello: TGI Friday !!!!! :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. But once…

• Just been snowballing for the first time

  And it feels good. Only admitted to my debt 2 days ago, approx £27k. Just done the calculations and should be able to pay off everything in 59 months. I know this is a long time but it just feels great as before I did this there seemed no end to my debt. What also feels great is that one of my cards WILL be paid off in 2…

• DFW's last to notice - James 240

  I don't normally post a lot but I've kept up with several diaries since becoming debt free. James 240 is one of them - has no-one else noticed the very interesting developments there. Comps board and the Arms have both cottoned on now. Congrats James and kipper

• Northern Rock

  Have just heard on the news tonight that Northern Rock has applied to the Bank of England for emergency funding. This doesn't mean it's going under or anything but it certainly does mean it doesn't have enough money to meet its lending quotas. My God! What next? I know there's never a good time to be in debt but I think…

• I need a kick up the backside

  Some months ago I came on here, said I had had my lightbulb moment and was starting work on my £25000 credit card debt. Went OK for a couple of months but now I owe £31000 and have yet another credit card (6 in total). The cause of this "lapse"? I now own a shiney MGB and have just had a holiday in France. Worth it? God…