-
Can I merge my 2 profiles into one?
Some people may have noticed that i have 2 profiles, me & the other me (Floss2 - original hey?). One is home (now) and the other is at work (because i couldn't remember my password & couldn't wait till i got home to post!) Does anyone know if it is possible to merge the 2 profiles? A bit like un-cloning myself i guess :p
-
In debt, but not for long
Hi I've read a lot of other threads on here and wondered if all you helpful people could give me a bit of advice. I think I've been kidding myself that I'm not in debt, when clearly I am. Its not too bad though. I think its less than £2000, but I do need to add it up properly. I have in the past been in more debt, but I…
-
A Tiny Insight into Irresponsible Lending...?
Just wanted to get this off my chest really. Sorry if it's awfully boring. Yesterday, my younger brother - just turned 18, left school in June, low PT work (earns £200-£300 per month, he's taking a really chilled out gap year back home to try and rid his system of glandular fever) had an appointment with the bank, to…
-
ok this will be moved but help please
i'm not very technically minded as you know but i got this pm and thought i would pass it on to see if anyone can help ...please Hi there! The question is - how can I post a reply? At the moment all I can do is pm and read messages - when I try to post a reply it keeps saying I have insufficient priveliges (or something…
-
I'm getting married! The DFW way of course and need HELP!!
Hi all, I've not posted much, but follow many of the threads on this forum, and I am trying to get debt free. Now I'm getting married :eek: :eek: and want to do it the debt free wannabe way :D , any ideas to help us along the way would be much appreciated. So far I think we are going to have a late wedding and just an…
-
Help Required For Parents Pleeeeeeeeeeese!!
Please Can Anyone Offer Me Some Advice. My Mother Is 59 Years And My Dad 66 Years. Neither Of Them Work And Claim Benefits (which They Are Entitled Too)! They Have £1000 Left To Pay On Their Mortgage. My Mam Has Bank Loans And Cards Coming Out Of Her Ears As She Pays One Loan Off With Another Etc Etc. I Really Want Them To…
-
I Need Help Badly!
hi there i have a real big problem i have had for about 6 years know and i need help, my partner was in a very well paid job and took out a loan 6 years ago or there about! he was made redundent and has never been able to find a job aswell paid, i didnt make enough money to pay the loan so it hasnt been paid in 6 years, he…
-
you know times are hard when
well today i got my wages paid what i had to pay etc (council tax) and i'm still in the red ....anyone wanna share
-
Dump the IVA and go bankrupt?
hello, im currently in an IVA.but have been thinking of going bankrupt!.because i dont own anything like cars or houses or anything (so wouldnt loose anything that way).but are debt collecting agencies allowed to turn up at the place im renting and remove items from the flat?.even tho i dont own them?.also how long does it…
-
help plse
Sorry ive lost my thread :( Has anyone got a template letter for me to write to shoppercheck (its like provident credit services where they leand unsecured loans) Well they are showing on my credit file as a search for a loan that i requested few mnths ago.... the agent told me today its new they never used to do this..…
-
My IVA-Need Advice ASAP!!
hello, im in my 1st yr of my IVA and all was going well until i got a call today from my bank stating that they have heard that im in an IVA and are closing my current account in 30 days. now im really stuck as what to do because i really need a bank account for my pay to go into and due to the nature of my job i need a…
-
DFW Newbies: Where to start, Challenges, SOAs, Nerds & Debt Free Roll of Honour!
Welcome to Debt-Free Wannabee! This board is dedicated to help you and everyone get out of debt. We're a community of Debt-Free Wannabee. So if you're looking for suggestions, advice or even someone to shout at you to stop spending.... here it is. Where to start! First use the resources of the main site including. Budget…
-
£95500 mortgage with £2000 overdraft - Advice
Hello all, Bit of a dilemma, I have a mortgage in my name on a property of £95500 (90% with a £10k deposit paid 1 year 9 months ago on a property of £107500) over 40 years, I am currently 27. My property is roughly worth £130000 now. I dont have any store cards/credit cards at all, I just have a debit card and and…
-
Going to see my bank tomorrow... advice!
I am going to see my bank tomorrow who i have been with for 8/9 years. They are who i have my credit card and loan with. I am hoping they can do something like lower the APR/stop it? Or lower the balance (ha ha wishful thinking i know!) Do you know if there is anything they can do like that? xxx
-
Two Questions - Token Payments and Letters to Creditors
Hi fellow budget crusaders. Hope everyone here is doing okay today. Okay, I have a couple of questions that are making me feel like a bit of a dummy and hope that perhaps one of you wonderful people can help me. Firstly my situ at the mo: - I am entering a DMP with CCCS. - I have applied for new basic bank account not…
-
Diaries Sub-forum poll
OK, I couldn't see one started again by anyone else so I've just done this with 2 stark choices - to have one or not to have one... that is the question... :D (Sorry if anyone did do one - I couldn't see it on the first 3 pages of the board)
-
My State of Affairs (eek!)
Monthly Incomings: My salary - £1,771.98 Pub job (cash) - £240 (£60 a week) Total - £2,011.98 Monthly Outgoings: Rent - £250 Council Tax - £80 Gas - £25 Electric - £25 TV License - £11.41 Sky - £20.00 (£17 without any phone calls) Phone - £40 Car Insurance - £52 Travel (bus) - £80 Cat insurance - £23 Water - £22.30 BT -…
-
CDI Credit Management advice
Does any body know anything about this company? Are they reputable. I have had my first letter from them asking for an amount almost double what I owe and also back dated from months before I paid my last bill. Do I ring them up to query the amount? - as I am a bit loathe to do as I don't want them phoning me. Or do I pay…
-
Is it Normal?
ive been on a dmp for the last year - self run but supervised/advised by CAB. I have just had one of the creditors re issue a default notice. None of the other have so far. I am wondering is this usual? I new they could but am now thinking that if my plan takes 10 years to pay off and they re issue every six months like…
-
advice on bankruptcy needed
Hi everyone We were in the process of Payplan setting up a DMP with £215 available to pay our debts. Unfortunatley my husbands employers have changed his commission structure and worse case if targets not met is a reduction £300 to our income leaving no money available. Payplan have advised not to let creditors know this…
