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Daily Chat Thread Saturday 24 November
I can't see the thread and I'm guessing I_A has toddled off to Argos-ville for the day.... Been to town to bank the cheque for the car and it clears Thursday. Was wooed by the Iceland adverts throughout I'm a Celebrity and ventured into the shop and ended up buying a load of party food:o . As nobody ever comes to see me,…
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What will you spend today, Saturday 24th November.
Morning all . Should be a NS Saturday for me, but will have to pop out for the papers later on:rolleyes: Hope everyone has a fantastic weekend:)
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SOA - Help/advice required
Hi all, as everyone does, can I first give a huge thank you for the help and advise you people are giving. You are changing lives, for the better. I am at the stage where I have higher outgoings than incoming and need advise, on what I believe is bad money management and laziness. * Removed Figures * Total debut around £*.…
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Halifax downgraded my account
Hi, I'm new so not sure i'm in the best place for this question. I have (or had) a normal current account with Halifax which they persuded me to open when I took out a personal loan with them a few years ago. My main account is with another bank but I found this one quite handy to put odds and sods in that i wanted to keep…
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advice needed on problem with dmp and overdraft
hi all I have had a dmp with cccs running since June 07. Most of the creditors have accepted or frozen some interest. My hubby has overdraft with bank and is paying them a reduced amount, however they are charging him interest still of £15 (and also for having the account around £7.00).He is going to sort this by going to…
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good news to share!
Have just realised my car loan was cleared this month! Hooray! Bit nonMS not to have realised I know, but I had it fixed in my mind that it lasted until next April! That's an extra £261 to throw at the ccs every month! Just had to share with you all!
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what to do!!!
hi to all! you probably hear this every time you read a thead but this is my first time on here and things are really getin me dowm at the moment so thought i would see what help and advice i could get from those n a similar situation as me. i am 23 years old and currently in around £20,000 worth of debt, as much as i try…
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How did I end up here...
OK. Here goes. Big breath and in for a penny (pardon the pun). After another pay day went past recently and within a few days my bank account was empty. Here's my statement of affairs: Monthly Income Income Amount Net Monthly Salary £ 2,450.00 Partner's Monthly Salary £ 0.00 Benefits £ 0.00 TOTAL MONTHLY INCOME £ 2,450.00…
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who to blame?
hi there everyone, was reading a local newspaper saying how disgusting these lenders who knock on people's door and offer loans, how they ruined their lives and make them suffer from debtors collecting debts. sure they have a right to say no if they know they cant pay back, if they cant pay back, dont take the offers,…
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DFW Meet Saturday 19 Jan 08 Somewhere in Birmingham
Right, for one thread only! there is gonna be a DFW meet in Birmingham Sat 19 Jan 08. Details to follow. It will be along the lines of the Blackpool meet, meet up, have a laugh and go for a few beers on the night (if that is where the night takes us). B+B options will of course be researched and posted on here so all help…
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i'm backkkkkk
hey everyone been away for a wee while but i'm back now ...what have i missed a good friend told me some of the stuff and thanks to her and ss and his sanitary towel comment the locals in thailand think i am nuts ...i couldnt stop laughing when i heard it got a lot of funny looks ...so what else has been going on ..please…
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Help With Harassment From Creditor
Hi Anyone offer advice please My partner and I have recently set up a DMP with Pay Plan, our first instalment is due to come out of my account beginning DEC. Pay plan have received our financial statement, and issued a copy to all our creditors, however, one creditor requested Pay plan not to issue our financial statement…
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LBM - 1 year on....
Well all payments for this month have now been made and it's now officially one year since my LBM...:idea: To be honest, I feel a bit let down by myself, I've paid off £1,726.21, sounds good? No, not to me, that's only £143.85 per month, haven't exactly stretched myself, have I? I know I'm going to be debt-free in 6…
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Confused by a creditor on a DMP
I've been on a DMP (which I run myself) and have had a letter from one of my creditors which says the following: I'm writing to let you know that our arrangement to accept reduced monthly payments has finished. From 21 Dec your interest rate will change to 9.9% APR, which is the Barclaycard standard rate. We will let you…
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Help Me Please
hi there every one, i am new to the forums i have a debt to premier man (a JD williams) company for about 1105 pound and risng with interest. i know i didnt sign a credit agreement with them they say i have and i have asked for a copy to be provided they sent a blank unsigned credit agreement out. i am constantly recieving…
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Newbie needing advice
Hi all Read posts here before and finally registered to hopefully help others, however I could do with some advice. I had a DMP with CCCS since 2002 for £36k unsecured debt. Due to a remortgage I've recently paid all my creditors off - or so I thought. I contacted them all to say I was settling in full and asked for final…
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Need an alternative Bank Fast.
I am considering going for an IVA and have been advised to look for a another Bank. I have been in a Debt Management Progarmme for 3 + years and have just received a huge tax bill £60K+, and as I am earning quite good money Bankruptcy isn't really an option for me. Before I agree to an IVA I need to consider an alternative…
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Help needed with mortgage arrears question!!
I currently have mortgage arrears secured by a court order suspended subject to paying my monthly mortgage payment + £100. I yesterday received a full statement from them and found out that out of the £100 I am paying towards the arrears £40 is being charged as an administration fee and additional interest of £51 per month…
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Son is using my Details to obtain Credit
Hi All Just after some advice - I'm doing a goor job reducing my debt only to find my son has obtained in the region of 15k of credit card debt in my name and also taken out a mobile phone contract in my name. Where do I stand legally what would happen to my son if he was found out and what can I do to prevent this…
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please i desperately need advice....
its tricky .. for months my boyfriend of 5yrs who i live with didnt have a full time job, and i did, therefore i paid all the rent £800 each month, all the shopping, gas, water, heating bills, etc etc. he agreed to give me most of his wages to repay me. and at first i kept a record of the amounts e gave me each month, but…
