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Just having a grumble.....
Every time I think our finances are moving along ok, something comes along! We're sorting things out with debts- got repayment plans in action and, although things are going to be tough for some time, we keep holding on to the fact that this time next year most will be paid off and things will be better. One of those debts…
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Northern Rock & PPI
Hi there, I could really do with some advise please :confused: My partner has a reditermination hearing this Friday as Northern Rock got a CCJ out on him without a hearing etc etc. Long story short i was looking into he's loan the other day and noticed he had take Bronze PPI witrh them. This was obviously adde dto the loan…
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Help with a new bank account
I need to get away from Lloyds. What single accounts would you reccomend bearing in mind my credit rating is very poor?? I also need to set up a joint account of some sorts. Bascially just a holding account for mortage/bills etc. Needs on-line access and be able to set DDs and SOs. Thanks
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DMP and two properties?
Hello I'm new and looking for some guidance - please. I've been dealing with my debt problems for the last 2 years as a single mum until recently. I started out with over £26000 worth of debt which through tight budgeting and part-time jobs I've managed to whittle down to £21000. All my debt is unsecured, I have an…
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Regulars/Board Guides - Help Needed Pls
Hi folks Pls read this http://forums.moneysavingexpert.com/showthread.html?p=6852708#post6852708 Martin :)
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DFW Daily Chat thread Tues 20th Nov
Morning all.. :D It's payday for DH today :T Shame it's all accounted for... :rolleyes: Ah well.. it makes you feel better having money in the bank rather than nothing! lol OMG have just had a realisation.. it's only 11 days til DECEMBER!!! :eek: :eek: :eek: :eek: Is it just me or is this year going really fast???????:eek:
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what have/will you spend tuesday 20th nov 07?
morning all :j hope everyone is well and looking forward to today. please add below what you have spent/will spend today :D day off fo me and i am going nowhere i am not even going to college tonight i feel so bad. So it will be a nsd for me and i am going to finish somemore of my xmas wrapping before i start on more…
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Debt Management company help
Hi everyone... HELP! I've had a lengthy phone call tonite from a company called First Step Finance. My debt is £13.5K and they are saying I can clear this in 3½ years by paying them £210 a month (including a £20 management fee to them) and they will put this money in some sort of interest-bearing account. They would then…
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Fed up, depressed, and stuck :(
Hi all. sorry for my first post to be a selfishhelp thread. I'm finding this site a bit confusing, and money stuff stresses me out anyway. my situation - i'm a shopaholic, now reformed. 27 living on my own in Essex (i'm from merseyside originally). moved down here for work 4 years ago from living at my parents after uni.…
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why I think I need a loan
I'm not sure what to do and this is why I think I need a loan. I don't work at the mo so my husbands wages is all that we have to go on, they go in to the bank and pay all our bills, which include a loan of £15,000, 2 credit cards, one of nearly £9,000 and the other of £1100(which we don't use anymore), his wages cover all…
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Debt Advice!
Just like to take this time to say Hi and say what a great website this is, before boring you all with my story. Ok here it goes! After making my first step onto the property ladder of 125k @ 20 with a great job earning in excess of 30k a year life didn’t seem to have any mountains to climb. 5 years on and I feel like I’m…
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My debt free life starts here right now!!!!
Hi all DFW It's taken me ages to work out how to use this site but now I have I'm really excited cuz I know I'm in it for the long haul. What's your best bit of advice for life as a DFW? I dont suppose Novembers a very good time to start with Christmas just around the corner. I've put all sorts on ebay!! Looking forward to…
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Defaults and DCAs - can anyone help??
Does anyone know the correct process. I have been told that a default notice must be served before it can be passed to a DCA due to a data breach. Is this correct?? I have today recieved a letter from Mercers on behalf on Barclaycard who have said that they will send a doorstep debt collector if i dont pay. Obviously this…
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I want out .....
I can't do this anymore................
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Mis-sold IVA ???
i have had an IVA for the past year, and have been contacted today by a company called banruptcy UK, to say i have been mis-sold my iva and that i am basically giving my money away each month! im not convinced this is correct, and wonder what this companies intentions are, and how they got my detials. can anyone help ?
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20 year old debt
after doing a credit report on myself i discovered a CCJ made against me this year for an outstanding debt from 20 years ago. looking through this site there seems to be a 6 year cut off period. can anyone explain this further for me. Thanks
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Can a court variation order be contested?......Help please
Hi Moneysavers My OH has an outstanding debt which is over 10 years old, it was originally being managed by Geoffrey Parker Bourne, she has a court variation order on the account which allows her to pay £1 a month GPB have passed the account to Red Castle Recoveries/Gothia This company are sending really snotty letters…
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OliveOyl without Popeye, SOA please advise
OH has taken a job overseas for at least two years. He LOVES it, and probably will stay for longer. I cannot join him, partly because we have 3 young adult children (uni, boarding school, working), my elderly & dependant parents and :o our debts keep me at work. So if I can hammer our debts, and the parents agree to move…
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Best way to 'pay off' the difference in a car loan?
Hi All, Im a bit stuck and well feel a little depressed about this issue, and have felt like it for some time. I am just about to move out, and currently own a car which was is worth (realistically) £11,250. However as it seems with all car loans, i owe £14,250!! Theres no way around the price, so im stuck with a negative…
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ADVICE my mum is been hounded by IQOR
They constantly call her, demanding she confirm her address and full name. She is in tears, the telephone calls her making her depressed and she now doesnt answer the telephone. She is 69 yrs old and this has to stop. I called them back, the customer service advisor wouldnt let me get a word in, so I said if you wish to…
