Debt-free wannabe

Discussion List

• DMP Rejected

  Hi all.. I contacted CCCS last month and sent off my letters concerning going on a DMP with my creditors. As I am out of work at the moment, the most I could offer each of my 4 creditor was £1. Lloyds have written back to me now saying that this cannot ber accepted and they are not prepared to freeze the interest or…

• Today I Have Stopped.....

  ....Burying my head in the sand. I have been putting this off as I was afraid of what I would discover. But here it is, my first post and the first time that I have openly admitted to having a debt problem. I am also going to get my debt situation out in the open, so here goes. 1) Credit Card 1 - £3,415 2) Credit Card 2 -…

• Hefferlump's Holler for Helpful Hints

  My partner and I are both just turned 50 and, despite every effort that we have made to keep our heads above water, we don’t see any option other than bankruptcy for us unless, that is, any of the excellent posters on here can think of a different course to take. First things first. I am self employed in a job that, if I…

• Moving to an IVA

  Dear All, Having taken advce from this website and the National Debt Council, I started action to undertake an IVA programme. However, it's all quite worrying when you don't have the knowledge of what is happening next. My debt mainly credit cards and loans is over £60,000, and with no equity left inmy house due to secured…

• Which should I attack first?

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• Do we need mortgage protection?

  We are moving in 2 weeks and I am just going through all our finances to make sure I have everything cancelled that needs to be and any new things sorted out.Anyhow I have just come across the mortgage protection cover that we have. At the time we decided to take it to just cover unemployment as my OH(earns a lot more than…

• Whether to reduce term or reduce monthly expense

  HI, we have 18 years left on a mortgage outstanding of £121,000 2 credit cards totalling £15,000 a loan with 6 years of £15,000 and a loan with 5 years of £6,200 Just seen a mortgage man who suggests we can either a) consolidate and reduce the term from 18 years to 12 years or b) consolidate and put all debts at 18 years…

• Ive done it

  After reading through the many posts on here I contacted payplan with a view to arranging a DMP to settle my unsecured creditors. Made the first step last night providing details of the debt which falls to just under £25k. Will quite happilly make payments of £700 a month towards this and hopefully be debt free in just…

• CCJ without notice

  I had a great weekend present - a CCJ from Northampton County Court ordering me to pay a large amount to Hillesden Securities "Forthwith". I'm shattered - I have been repaying these people for two years. I did not receive any claims or admission paperwork from the court and the first I knew of it was the judgement. I am…

• Ems needs help

  Im new to this so please bear with me :o I'll write a list of my debts and if anyone has any suggestions on how I can sort this out anything will be greatfully recieved! Right, here goes £15034.32 HSBC loan (not too sure but think the APR is about 11%) £4754.46 7.7 % cahoot loan HSBC credit card £1904.00, this is 0% until…

• Debt calculator spreadsheet

  Hey all I am sort of counselling a friend through her debt problems at the moment. She is doing really well but I think it would really really help me and her if we had some sort of whizz bang spreadsheet that calculates debts, aprs, and repayments (hopefully with some fancy charts as well!) Would anyone be willing to…

• What have you/will you spend today, Wednesday 12th September 2007

  PaP is on another 'early start' :eek: so I am starting today's thread - but ONLY until she gets home and can take the reins. So - to start the ball rolling - I am at home today so I don't intend to spend anything - but that might change. :rolleyes: :rolleyes: So - Post your spends - good or bad - and 'Keep it Low'

• i'm starting to flap...

  i've set up a dmp with cccs, i posted all the paperwork back to them that they asked for (recent statements from creditors, etc) and sent a notification of dmp to each creditor. i did everything cccs's initial letter told me to do, but i posted all of this about three weeks ago and i've so far heard NOTHING..??? i thought…

• Free Debt Counselling

  Very simple question - does anyone know whether the organisation Debt Free Direct is actually a free service? They say they are but they would wouldn't they! Thanks Piers

• 12.9.07 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: It's the middle of the week already !!!!! :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…

• Abbey Call Backs?

  Does anyone know if these call backs from Abbey are charged back to you??? :confused: http://www.abbey.com/csgs/Satellite?cid=1127562735659&pagename=Abbey/GSProducto/GS_ContactoOnlineLlamame&codPes=CallMe Many Thanks

• Fallen off the wagon! - Help

  I haven't been on the forum for some time and have seriously fallen off the wagon so to speak! I had been doing realy well in paying off our debt and sticking to a budget but in the last 5 months or so I have let things slide and fallen back into my pre DFW ways! I'm not entirely sure why. I got a new job with a good bit…

• debt 5.5 years old, move scotland?

  Hi, As debts are 5.5 years old (arising originally in Scotland) was wondering whether relocation would "wipe them off"? Seeing as Scotland has a 5 year limit and England a 6 year limit. Although Barclays have a "law of England & Wales" small print, is that unenforceable, due to trying to over-rule (scottish) law, which…

• In need of some help!!!

  Let me expalin my problem and see if any of you lovely people can help. This time 2 years ago I was happily married but in some financial difficulty I went to the citizens advice who put us on a DMP and we got back on track after I got a really good job and no longer needed the DMP. Anyway 2 years on I have had to change…

• Can I complain and to who??

  Hi everyone. (no spell check available - sorry inadvance) I've asked this question before with little success infact I seemed to upset people! Slightly long story but nessecary. About 5 years ago went to our union for debt help. They referred us to a company called FCL they gave free debt advice to people and specialised…