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Debt-free wannabe

Archives for November 2007

Technical Spreadsheet Help!!! IT idiot here!
Morning! I have decided that 2008 is going to be my big year! I am going to really hit my debts, get some savings and be ready for Christmas next year. And to do this I think I need a bigger and better spreadsheet... The only problem is I am an IT idiot and have no idea where to really start! :o I think I know what I want…
What will you spend, Friday 30th November.
Morning all . Should be a NS Friday here:rolleyes: Hope everyone has a fantastic day:)
How to deal with a debt collector..?
Hi, I have recently been contacted by a company called CapQuest, asking to recover a debt of £115, from 2001. I have no recollection of this debt and so asked them to give me the full details, they referred me to a management company, who referred me to Littlewoods (with whom the debt seemed to exist), who referred me back…
An long but DFW day
Me and the OH have been to county court today in an effort to get our deposit back from the last place we rented. We spent months gathering statements and preparing our case so was a little bit annoying when the judge accepted evidence from the claimant on the day, when we had been told all evidence must be handed in 14…
Dept Collecter coming Tomorrow: Please Help
Long one..... I have a dept with BT that has been passed over to Moorcroft. I got myself in quite alot of dept last year and was on top of them, until my partner lost his job and we went onto benefits, after that i was paying bills as and when i could....missing a payment on one to pay another. In September I decided…
Letter from Telogram...
Hi, Not sure if this is the right place to post this, but ill give it a go all the same. Ive had a letter from Telogram Ltd to my flat that i bought about a year ago. It is addressed to someone ive never heard of, and i bought that flat from an old lady who had lived here for at least 15 years, quite likely a lot longer.…
Letter from Moorcroft
To be honest I'm quite impressed here so I thought I would share the tale. I cancelled my BT broadband back in June with a GREAT DEAL of trouble and then last month received a red letter for £17odd made up from a small charge, £4.50 charge for a paper bill (!!!!!!) and £7 late fee charge (!!!!!! !!!!!! !!!!!!)!! I refuse…
Need Advice Please
Hi Everyone I talked to CCCS this afternoon and could do with some advice from you guys (these thoughts cropped up after I'd finished talking with them) At the moment I am unemployed hoping I shall find work in December. The advice was to talk to my creditors straightaway to stop anymore payments being taken out of my…
Help me reach JFK!!!
First post of my membership so please forgive any mistakes I make! I'm a bride to be, marrying the man of my dreams, in March 2008 in New York City! Couldn't be happier about that choice and every day brings me closer to it :j Now here's where I'm hoping I'll get some much needed and valuable advice. I've read through…
Credit report
We have moved Down Under but would like to get our credit report from Experian and/or anyone else. We tried to download but they want a UK address and telephone number which we clearly don't have. Is there any other way we can get the report? Thanks.
Any CCCS users
I paid my first payment to CCCS last Saturday at teh Post Office using the Transcash slip provided. I checked my CCCS account online tonight and its not showing on teh balance. Anyone know how long it takes to process?? The money needs to be there for 1st December which is Saturday. Bit worrried bout it now. CCCS close at…
Please help me
I was unable to pay last months Barclaycard due to a lull in work and they were on the phone tonight demanding payment. I said I didn't have it and then they said that I should go on a pay plan of £80 per month. I offered £50 but that wasn't enough and advised that I call credit counselling. I did post about claiming PPI…
Paying off a loan early
For example: If I was to take out a loan for £8,000 for a 36 month period and as the months go by I get upto paying back £5,000 back would you bank allow me to pay off the remaining £3,000 in one lump sum? Thanks
Shopaholic in Rehab needs a hand
Hi All, I am a money saving Forum Newbie. I am married to a very patient man with two boys (under two), and hav been working on our debt for the last 8 months or so. I have made massive improvements but have slowed now and feel I need help and advice so decided to bite the bullet and see if any of you guys and gals can…
Budget Planner Testers needed
Hi, if anyone has a spare moment and would like to have a play with the new budget planner could you have a read of my post on the Site Feedback Board Can you reply on that thread if you have any suggestions please Thanks!
Dodgy debt ads on Facebook
If anybody on here uses Facebook then you've probably noticed that ads from commercial IVA and other more unscrupulous firms have started appearing all the more regularly on Facebook, even encroaching onto people's personal newsfeeds. It's like daytime tv on there now! What do people think of this? I think it demonstrates…
My SOA - PLEASE HELP!!
Hi there! :santa2: I'm pretty new to this website but already I am feeling the love!! :smileyhea Right, i'm ready to face my debts head on! Can anyone help with which way to turn next? Our joint debts are: £9400 :eek: _pale_ Loan £2200 Credit Card £6200 O/D £1000 Total monthly incoming - £2390 Total monthly outgoings -…
Letter from Lowell Portfolio ltd..help pls
Hi there, This is my first Debt collections letter that i have ever recieved. They are saying i owe £400 from a debt with TSB They have an address on the letter which i lived at about 5 years ago. I closed my TSB bank account 5 years ago and opened a new account with abbey in april 2003. I have never had any letters from…
Am I doing the right thing? Re:HUGE CC Debt - Your feedback please.
Hi everyone, My husband and I have accrued a huge debt over the last 6 years. A bereavement years ago, and me being unable to work for a year because of it, contributed to this as well as losing a couple of huge work contracts for the both of us (we are both self-employed) which certainly didn't help. We owe thousands on…
statute barred ?????
Hi Me and my partner have a few debts which we have tried to ignore for about 5 1/2 - 6 years + now,naughty i know. I was interested in the information i have found on this site about statute barred as i have never heard of this before and was hoping that it would apply to some of our old debts. I never write to my…

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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
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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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
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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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