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Debt-free wannabe

Archives for November 2007

Letter from "Red Debt Collection Services" - I'm convinced it's not mine!
Hi all, First post, be gentle :) I received a letter last week from a company called Red Debt Collection Services stating they were collecting on a debt of £200 to HSBC. There were just two problems with this: 1) Although the letter had my name and address on it, the middle initial was wrong. Fiddly, I know, but I thought…
Cheque payment
Hi, one of my debts has been passed to Triton Credit services who in there letter have asked me to pay £250 for three months then the remaining balance of £5000 on month four. I have paid the first months now by debit card but they have never sent a receipt (do they have to provide a receipt if one asked for?)for the…
How long before I claim.....?
Quick question guys.... I ordered a pc game online a month ago (thru Quidco of course!) and it said it was dispatched a day later (29th Oct)...... one calendar month later and still no sign of the game...... have emailed the company 4 times and recieved the standard 'thank u for ur email, we are very busy at this time of…
Pay off £20,000 (ish) by Xmas 2008
Does anyone want to join me in a “Pay off/save £20,000(ish) by Xmas 2008” challenge (for me, otherwise known as the “stop faffing around” challenge). I’m sitting here, on payday, with nothing done for Christmas and not enough money to get through the month, again. Luckily, I get paid early for January, but that means a)…
Is it good to look back?
Just wondering if anyone has re-read the first thread they started or posted on . I just have, and its amazing the difference that being on here can make in just a few months. :eek: I just want to say thank you:smileyhea
letter to stop creditors phoning
can anyone help? I read on here sometime ago of a letter that you can send to creditors telling them not to phone you, it was an official type of letter that stated that it was illegal or something and a breach of ofcoms regs. does anyone know of the letter and can give me the link to download it please. thanks folks
30.11.07 - What DFW thing have you done today?
Just wanted to keep this thread going in Hypno's absence as I miss it. Boots - found a £2 haircare till voucher and got a free coke with voucher. printed off 2 x 3 free Kodak instant print vouchers from ac machine printed off 1 x 5 free Kodak instant print voucher from ac machine Asda - Got 10 x free photos with voucher.…
One step forward .............. two steps back
Hiya guys, do you ever feel like you are taking one step forward but two steps back? Today should have been our debt free date - HOWEVER driving along the other day realised that heater thing wasn't working in the car - I just know its going to cost a fortune to repair.
Debit card warning
I do have a number of creditors that I have been making arrangements with, one of whom is Harvey & Thompson pawnbrokers. The balance with them was £500, I made a debit card payment to them on the 24th of this month for £10 (the agreed repayment amount) which was to be followed by another £10 today. I tried to make a…
The DFW "Celebrate Christmas for free in 2008" Challenge
How does celebrating christmas at no personal cost to yourself sound? Too good to be true? In a recent post on another board it was discussed whether it would be possible to save up vouchers and "free money" from survey sites etc in order to celebrate Christmas next year without using any money from wages etc. Several…
IVA or DMP
Im in £66k debt including interest. I have £450 a month to spare. I do not own my own home but i can purchase my council house in Dec which is less than the rent. Simlpy which one would you recommend and why. Which companies offer the best deal.
Help With Orange
Hi, I'm new to this posting thing, so I hope I have put this in the correct place. I have been reading the site for a while and have been trying to sort out some extra money to clear the credit cards a little quicker. This week I have managed to pay £300 :j off mine :T . I'm very proud of this. Thats irrelevant to the…
Dfw Mot.
Just followed Martin's advice to use Council MOT centres for the 2nd year running & again, it passed with no work necessary. Cost - £40. Not bad for a 9 year old Escort diesel. Also had a DFW Dentist appointment this morning, ie, "Nothing wrong, see you in 6 months." Now, if it comes in threes, what's next?
Help and Advice Needed.
Hi Ok so I finally had what you seem to call a light bulb moment after pretty much my life fell apart. I have always been in some sort of debt which has been easily manageable however I am now really facing the crunch. Problem is I can only account for half of it. The rest well….??? I really need help from those that have…
Need some new direction and a big kick!! SOA added
As a regular on the board i am somewhat ashamed to be typing this. Last week the hard drive on my laptop died a permanent death. As a result i lost a lot of files, some precious photographs and all my SOA/budget/debt spreadsheets etc :eek: . Obviously i am gutted but nothing can be done about it now. With regards to my…
Southernscouser - In Case anyone missed it :)
Lurker just to inform all you DFWs!... http://forums.moneysavingexpert.com/showthread.html?t=612277 Mods - apolgies for crossed post, feel more of his friends will see this here :D Congratulations SS!! :T:T:T:T:T:T
does defaulting affect employment opportunities
I owe £10000 on a single credit card. I have been temping for the last 2 months which is beginning to bring in an increased and steadier income, although nothing definite long term. I made a couple of applications to 0% balance transfer cards which have both been declined. Which leaves me with 2 options; 1) bankruptcy or…
Need help in drafting letter to bank
I recently changed banks from Natwest to Alliance and Leicester, I had a £4400 overdraft with Natwest and have left it there as A&L wouldn't give me that much. I'm currently paying £60 per month in interest alone for this overdraft so the balance isn't going anywhere. I want to write to Natwest and ask them to freeze the…
Newbie
Hi, I am not sure if this is the place to post this but here goes anyway. Excluding my mortgage I owe around £12,000. I am working to lower this as fast as possible and would appreciate any help given. A couple of things are causing me problems at the moment. 1. I get paid 4 weekly and all my direct debits etc are going…
Friday 30th November Daily Chat thread
Cheeky but as there were none of the others around i thought i might start the thread today! Hope everyone is doing okay? Having another lie in IA? You lucky lady!! PS - It IS St Andrews Day today if the mods want to put MSE Braveheart up on the screen, i know he was here 10 days ago briefly, but thought he'd come back…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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