Debt-free wannabe

Discussion List

• Trust Deed (Scots IVA)

  Anyone any experience of these? Would appreciate opininons/advice

• Trust Deed (Scots form of IVA)

  Can anyone tell me if they have experience of either of these, what it was like, how it affected you? Thanks

• repayment advice needed plz.

  Hi folks.I am currently dealing with some companies,Debitas are one,and attempting to arrange a repayment schedule.I owe around £1400 to capital one,£4500 to Barclays and about £4000 to Black Horse.Really I am looking for a wee bit of help in deciding the level of repayment to offer.Currently I can afford about £15 a month…

• Has the site been down this morning?

  Hi all, I know not strictly DFW but as this is my homepage I was concerned when I couldnt get online this morning. I could get to some sites but not anything to do with MSE. Ayone else have a problem or has Virgin gon tits up?

• Nerds and Geeks, what would you like to be called?

  From reading Martin's blog on mental health issues it seems some people feel that the old names were insulting to people with these mental health problems, maniac, bonkers etc. So I understand that Martin wants to change them. Most people seem to agree though that they don't like the new names, nerds, geeks, inhabitants.…

• I know this is a silly question, but....

  ..... would making my OH a secondary card holder to my CC acc give us the same financial links as, say, a joint acc? OH wants a card for emergencies, and I wanna monitor it (Vanquis don't do online, hence his £500 bill :mad: ) so I thought I'd make him a 2nd on my new RSPCA card - limits only £750 Cheers Sarah x

• Not sure I want to be a 'GEEK'

  It was bad enough being called a 'maverick' especially when you have to live with the label of 'NERD', but now I see that I've been 're-classified' as a 'Geek' :eek: :shocked: :eek: Now I'm sure that there must be some logical explanation behind this move, so just to ensure that I don't depart this mortal toil a 'complete…

• what have/wiil you spend thurs 13/09/07?

  morning all... thursday already :j woo hoo 2 working days till the weekend :D ... have a great day/evening all but remember to keep it low :rotfl: fingers crossed for rog today ~ hope its good news :D i am on a late at work so wont be leaving for a while, however this means i am working till 9pm :rolleyes: i am hoping i…

• What methods do you use

  I am wondering what methods people use to deal with their debts. I have admitted (yesterday) that I have debts totalling approx £27,000. This debt is over several items (car loans, CC, personal loans). I can manage the monthly outgoings at the moment but realise I need to do something about my spending and rising debt…

• 13.9.07 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: Welcome to Thursday !!!!! :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.…

• Missed Credit Card Payments (advice Needed)

  I have subststantial debt of over £30,000 accumulated on several credit cards, i have been struggling to meet repayments over the past few months and have missed a few on certain cards, today i received a default letter from goldfish saying i would need to pay within 28 days to prevent them passing on to a dca. my property…

• LETTER re:- CL FINANCE DEBT

  Hi there, At the same time as sending a letter to moocroft (who could not supply a signed CCA), we also sent a letter requesting a copy of the signed CCA to Howard Cohen Solicitors for CL finance limited acting for River island, this was for another of "E's"debts from 2003. Today we received a copy of the signed CCA (“true…

• Please help - in debt and ashamed

  Hi, my name is Martyn. Not really sure what im expecting by posting in here, maybe some reasurance all is not lost. I have 24k of unsecured debt(credit cards and overdraft). I know i should post an SOA but just looking/writing out the figures makes me feel physically sick. I earn £22,500 a year. Today i have discovered the…

• I Am Going For This

  I posted for the first time today after finally admitting I have a debt problem. Total debt = £27,292. I have a budget plan with everything taken into account. I plan to go a complete month to start with without spending a penny outside my set budget. My budget in brief is as follows. Income = £2640 (after tax) Outgoings =…

• Help and Advice to be Debt Free Please

  I need some advice on how to become debt free. I've got two maxed out credit cards and a car loan (£12,000, £10,000 and £11,000 respectively). I've been trying to keep up with the payments on my car loan which I've managed to do and for the first time, have failed to meet the minimum payment on one of the credit cards.…

• Trying to decide...

  Tonight is my first visit to this forum and after living in denial for the best part of a year I have been inspired to "come clean" about my mess! Big thanks to everyone here for being so open and honest. I'm really hoping to get some feedback to help me move forward. Quick summary of my situation: I'm working, my hubby…

• Last minute IVA opinions

  Hi everybody, This is all a bit last minute really as my creditors meeting is tomorrow (3.00pm 13th Sept), but i'd appreciate your opinions I currenty owe £75K:eek: to 9 creditors, I'm single live with parents have no assets, Payplan have worked out a payment of £361 a month from my income of £880 which works out to 20p in…

• Help me deal with debt collection agency!!!

  Hi all, this is my first ever thread, so bear with me. I need some help dealing with a small debt problem. Anyway the situation is this, I was a member of a gym and paid monthly by direct debit. Then I became pregnant and cancelled my gym membership in March 2006. We subsequently bought a house and moved in July 2006.…

• Help pls.. £16.5K debt & counting...

  Any help gratefully recieved! I don't know what we are doing that is so wrong. We hardly ever go out, we holiday at our friends house, I scrimp and save, but may be spend too much on food as I eat organic for environmental reasons mostly (save the bees!). We've cut dining and going out, but its hard when you get invited to…

• CRB checks and CCJs

  Hiya Just wondering IF i got a CCJ when I start my DMP, will that show up on a CRB check? I am starting a degree in radiography next year and will be subject to a crb check and desperately don't want all this coming back to haunt me when i make my fresh start