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Another newbie! Hi!
Just registered on this excellant site, discovered it back at the begining of the year and have been using it as a knowledge base to give me some tips with paying off the debt I have hanging over me! Thought it was time i finally signed up given that my light bulb moment was ten months ago! I found the posts on here a…
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What one small DFW/MSE thing have/will you do today 29/9
Morning Everyone! I couldn't find this thread so I thought I'd start it - if Hypno has already started one please feel free to merge/delete!! When we first start out with DFW, we do a lot of big things that make an immediate difference to out situation, such as cancelling gym membership and cutting up credit cards. It is…
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cca,s and mortgages
does anyone know if a mortgage of 19,000 taken out in about 1994 would becoverd by a cca agreement thanks
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moozies weekly spending challange w/c 30/09/07
Hi all i have made a few changes to the challenge... the challenge will still be run sunday~friday however i will now start this thread on a saturday which is our 'free day'. There are many reasons for this but the main one being that i work every other weekend and its easier for me to get this running on a saturday than a…
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Just to say thanks
I have been stuck in the house this month, working my proverbials off to get my project in, due today. I have done it:j :beer: ! And I would like to thank you lot for keeping me sane and making me smile, when all I wanted to do was say sod it! Only had an hours sleep last night trying to get it finished, so off to bed now.…
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Yip...Yip...Yip...Yipppeeeeeeee!!!!!
I have paid off all my M&S and More card today. The remaining Balance of £659.37. I logged onto my Internet Banking 1st thing having been paid today and sent the money. Am just about to write a letter telling them to close the account. I am now Totally Debt Freeeeee!!! No Credit Cards, Loans, Mortgage.... You have all been…
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Friday Night Function
Bonsoir Monesieurs, Madames et Madameoiselles Wazzzzzzzzzzzzzzzzzzzzzzzzzzzz uppppppppppppppppppppppppppp! Anyone fancy a pint?:beer::beer:
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Receiving Bonus/commission Whilst In Dmp
dOES ANYONE KNOW WHAT HAPPENS IF YOU RECEIVE BONUS / COMMISSION WHILST IN DMP DO YOU HAVE TO DECLARE IT.. THEY DID SAY THAT ONLY REGULAR INCOME IS TAKEN INTO CONSIDERATION HOWEVER SOME OF THE COMMISSION MY HUSBAND RECEIVES IS QUITE HEFTY ..NEXT QUARTER WILL BE APPROX £5000 OBVIOUSLY I WANT TO USE SOME TO PAY OF DEBT BUT…
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moving to USA whilst in a DMP
hi there just received all the blurb from payplan today re starting a DMP, does anyone know if it would affect a possible move to USA in the future?? thanks
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Need some advice please.
Hi i am quite new to this so hope i get this right.:confused: I am in quite some debt, well i think i am. here are my debts. Alliance & leicester (7.5%) owe £16,600 First plus (8.5%) owe 6,600 Littlewoods owe 1,250 Virgin credit card (15.5%) owe 1,320 virgin credit card (15.5%) owe 2,100 Argos (29.9%) owe £400 They are…
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Debts Won't Be Paid In My Lifetime?
Is there anything I can do? CCCS said my debts wont be paid in my life time, We owe £14k, but they worked out all we can pay is £75 a month £5 to each of our creditors everymonth, I get £200 a week which is awful but believe it or not its more than 99% of the other jobs around here, what can we do short of leaving the…
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Is The Country Living On Credit?
I'm baffled here and hope someone can let me in on the secret, Let me explain, I'm not in a well paid job, I come home with £200 a wk, theres 4 of us at work. * Myself I have 2 kids and rent a house and my wife is on min wage * Guy 2 owns his house, has 2 cars, 2 children and wife does not work * Guy 3 owns his house, has…
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Copy Of Agreement??????
Please can anyone help Im wanting to send a letter to request a copy of agreement but I need help does anyone know any websites were I can get a template letter Thanx
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Give my inlaws thier lives back!
Evening all – need some advice…. OK, the in-laws are in a bit of financial trouble. Not massive trouble, but they are 63 and 57 yrs old and currently owe about 30k on credit cards and loans. The problem is it’s not leaving them with any sort of lifestyle at the moment! The debt is approx broken down as follows(all the…
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Advanced Financial Gymnastics Challenge
Firstly, I would like to thank Martin, for setting up this site and for making the video which gave me the courage to confront my situation head on before it makes my health/life (and that of my wife) any worse. So, to business then. I am a serial entrepreneur and, based upon past performance, am apparently not very good…
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equaity release & advice
I need some advice for my parents they bought there council house many years ago from the council they only paid £8000 for it so they have been morgage free for many years .My dad is 65 years old and my mum is 62. The problem is now my mum and dad have had lots of no so good luck over years mainly with my dad being very…
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Omg, Hidden wedding cost!
We got married last month, and have paid off all the (massive) bills etc, but now today we got a letter from one of the suppliers telling us they mis-billed us to the tune of £800+, but are only going to charge us £580ish. Where do we stand, we had a quote and an invoice which seemed correct, paid it on time etc, and now…
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Global debt recovery
Had a letter from Global debt recovery chasing me for I debt I occured on my old student bank account with HSBC- it was years ago and closed around 2000. Debt was mainly overdraft and charges amounting to around £1200. I made payments to Moorcroft for a couple of years at £10 month then these stopped and over the years…
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Newbie here..Advice on offering settlements to them that u owe money to
Hi all, I owe in the region of 20k (gulp). A while ago now, i let them go to default so the interest would stop and i pay each of them the bog standard £1 a month as i am at university at the moment. Now, rumour has it, that if i manage to save up at least a quarter of what i owe, they would most likely accept the offer,…
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Credit Reports and Arrangements to Pay
Hi, How should 'Arrangements to Pay' be shown in credit reports - the little summary symbol thing? In my Experian report it (or at least the only account it shows) is set as 'OK', but in MyCallCredit they are 'D' for default (although I am not sure they actually know that I have set up arrangements). Basically, I guess…