Debt-free wannabe

Discussion List

• Credit reports

  Hi Folks, I hope this is the right place to post (being as I wannabe debt free) :) My question relates to credit reports. I have signed up for the free CreditExpert report from Experian and have found a few older debts that I forgot I had, but have not been chased for?!?. Now being as I checked that with just Experian…

• Is it wise to accept this loan to become DF ?

  Hi everyone. I came clean with my parents over my depressing level of debt and I think they are more than willing to take out a loan for me of £12,000. Due to their exceptional credit rating, no mortage etc they have been offered a rate of 6.2% This would mean that a) All my credit cards (about 6Ks worth) would be rolled…

• MBNA Threatening calls and texts

  Hi All I have been on my DMP now for a year with CCCS (thanks to you all!!!) . I haven't had any problems and infact have been able to increase payments by 12% after my annual review last month thanks to a change in my contract:j BUT over the last two weeks i have been bombarded by letters and phone calls by MBNA the final…

• i got an IVA! cant get a house to rent

  hi ppl. i got a major problem my tentacy is up on the 25 of SEP and then we have to move out of our flat, Me and my misses found a house to rent and applied for it, then today i got a call saying that cant go through with it cause i got an IVA i got bad credit history. Now i have 2 weeks to look for somewhere to live and i…

• An interesting read, Bad Debtors Aren't Bad People.......

  Bad Debtors Aren't Bad People:T :T :T :T :T :T By Neil Faulkner. Updated: 08:50, Wednesday September 12, 2007 As you may have read elsewhere, Citizens' Advice has reported another huge increase in debt-related problems this year. Debt enquiries have gone up 20% to 1.7m. Also, over the past ten years, debt problems have…

• Congratulations and Good Luck Toto xxx

  As you may know, our very own Toto is getting married on Saturday....ahhhhhhh! :smileyhea :love: So I just wanted to say, have a wonderful day, we will miss you in Blackpool but I think getting married qualifies as a reasonable excuse....just! ;) Congratulations hun, all the very best for the future, you are a star and…

• Monthly - Annual Interest Conversion Table

  Maybe someone can make this a sticky?? - The question gets asked quite often on here. Cant put every rate down, but there is a fair range. 0.90% 0.0788% 1.90% 0.1610% 2.90% 0.2425% 3.90% 0.3233% 4.90% 0.4034% 5.90% 0.4828% 6.90% 0.5614% 7.90% 0.6395% 8.90% 0.7168% 9.90% 0.7935% 10.90% 0.8696% 11.90% 0.9451% 12.90% 1.0199%…

• need some advice

  hi, I was wandering if you guys can help clear some of my mums funds. She has a barclays loan which is outstanding about 2500. she is paying 133.33 but around 40 is leaving her account so she aint getting far. i was thinking i could apply for a high interest credit card and clear the loan and then get a good 0% interest…

• Debt Managment Plans - How do they work??

  Sorry about such a basic question, but can someone please explain how they work? Everyone seems so much further down the line and I can't seem to find a thread explaining how they work from scratch. (do you pay all your money over to the company ie CCCS and then they distribute it????, who pays utilities? How do you get…

• What to do next

  Ok, long story short. 2 years ago ran up a huge credit card bill £5500 and then lost my job. Was paying £12 a month for ppi for over 4 years and when I went to claim on it for want of a better expression they claimed that either they had not recieved the paperwork, it was incomplete or it was being processed. All the time…

• help i'm new will sorting debts affect renew of mortage?

  Hi sorry i am new here.....can someone help me please? My husband and myself have debits of £25,000 spread between us on various different credit cards & inc a £6000 overdraft which we are using to survive on. my mortage is upfor renewal at the end of the year (DEC) when the fixed rate ends..... At the moment we are just…

• Advice please?????

  Hi. Hope everyone is OK today? I am new to this forum. Between my wife and I we have managed to knock up almost £28,000 worth of debit over a period of approx 7 years. I am sad to say that all of this is credit card debt. However, I am pleased to say that I have not had my head in the sand as I have been able to get some…

• Cabot Financial Europe Ltd

  I have been reading all the threads on this site regarding this company and have followed through with all the sample letters. Needless to say I have had no satisfactory response. I have now sent my final letter and wondering what to do next. has anyone ever taken it further? and if so what happened?

• After some advice if possible please

  Hi all Im new to this so please bear with me. I have just bought a house with my fiancé, have a 2 year old son and work full time. I have a terrible Credit rating (1 CCJ) and am looking ways to improve this. I have 2 credit cards both not in arrears, one is for £200 and one is for £1200. I pay minimum balance on one and my…

• Holiday Restaurant rip-off??

  Having just got back from sunny Barcelona, I'm sporting a fantastic tan and, unfortunately, a very empty wallet. While we were on hols, we went to this fantastic restaurant; they owner was very welcoming, spoke to us in English etc. He took the menus off us and suggested he make us a couple of simple, light dishes, (a…

• are you elible for a tax refund?

  hi guys ive just checked and im not due for a tax refund, however most people are so apologies if this has already been posted but im sure all you dfws could do with a tax rebate!! check out https://www.refundsdirect.co.uk/survey/ im in the process of doing it for my mum as she has being paying emergency tax this year.…

• Should of been Debt Free by Now!

  Hi People, July last year I was in Debt with over £6500 worth of Loans, Overdrafts and CC's... It got to a point where I could no longer afford repayments ( I never missed payments though), I approached my mum for help and after long discussions she wrote me a cheque for £6000 so I could pay everything off and owe her the…

• Which is the best way to play this?

  OK, we've (or more to the point DH has) got 6 credit cards, 1 personal loan, and a DFS loan. Before I start please don't make any comments about maxing them out, shouldn't this and shouldn't that. There is a reason they are all so high. Which I'm not prepared to go into. Suffice to say the majority of this debt was beyond…

• A Right Royal Mess I've Got Myself Into

  Ok so most of you will despair at this post and I dont blame you. The situation I have created is completely my fault and you cant make me feel worse than I do but what i need now is for someone to actually offer some practical advice on how to claw my self out of this situation. Ok, so have been in my current job for 4…

• Debt Control advice please

  Hiya guys. Some advice please. Currently I have: Overdraft - £1200 Loan - £4465 - 10.1% APR, 4 years left to pay, £121pm Credit Card - £3655 - 4.8% APR fixed for life, currently paying minimum pm Credit Card - £2255 - 0% APR for 12 months, currently paying minimum pm Things have improved at work and I am able to get in…