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Debt.. How do you sort it after you've messed up?
Hi there. I am posting here cause I am in serious debt and I needed some advice. First off I am a mature student. I am an EU mature student. It all went pear shaped when I opened a student account. A late ebay payment made me overdrawn by more or less £20. At the time I was moving out of a rented home into Halls of…
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I'm a DFW Celebrity Get Me Out of Here Discussion Thread
Thought I'd start a thread if anyone wants to join in. I love I'm a Celebrity and I want Rodney Marsh to win and that yank bird is doing 'mi bonce in. Anyone else?
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3 Mobile accounts/debts problem
Hi all again (sorry if this is in the wrong place) I have got 2 mobiles with 3, mine and the wifes. To be honest we are now struggling to pay the bills. We never use them above our free entitlements if we ever use them at all. We struggle to pay the monthlys each time on time but pay them eventually. My problem now is that…
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Its been a while - and a whole lot has changed!
Well I'm back and financially things have taken a complete turnaround. I got myself in the most stupid mess where I couldn't even make minimum payments and pay my bills etc. Thankfully my mum came to bail me out and got me a loan to consolidate my debt (I know, I know its not the MSE way but I was at the end of the line!).…
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Duplicate Default notice - help needed
Hi, I had a morethan credit card which i stupidly defaulted on along with some other debts about 3 or so years ago. obviously all lenders issued default notices, including the morethan card which was actually run by accucard. Now...i have a payment arrangement with creditors through a debt program, repaying all creditors.…
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Advice Needed Please
Apologies to you all if the answer to my query is already recorded on the site somewhere but I was wondering what happens when a creditor doesn't accept the reduced payment being made by CCCS. I have been on a DMP from March 2007 and this morning received a letter from CCCS letting me know that my largest creditor (13,000)…
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Please help had council tax bailiff at the door
Oh my god!!! I am sat here in tears as just had the bailiff at the door for Council Tax amounting to £1115 plus costs. He said the council have wrote to us which they havent as the last time i spoke to them was in August as was heavily pregnant and they wanted more than I could pay a month so said the next time i would…
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Been given a great incentive!
Me and my fiance have been together for almost 10 years now and engaged for almost 7 of those years. We've never gotten around to arranging a wedding because we decided to buy a house and then realised we had no money, and recently we've had a baby (so even less money!) But... My fiance has now said that we really should…
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Full and Final Settlement
Bit of background OH has gone bankrupt leaving me with £6000 debt (£3k in my name (2 credit cards and £3k joint overdraft), after talking to the CCCS and Payplan my parents have offered me a lump sum payment to the creditors of £3k. I have sent letters off a week ago to teh credit cards making an offer of £1 a month with a…
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Guys where do I find the DMP Support thread..
...? Anyone :confused:
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Sick of everything, any advice?
Hello everyone. I will apologise outright for being negative, but lets face it, if life was good I wouldn't be here. I am 25 in a week or so, yet I feel like an old man. I am drained emotionally and physically and i'm not sure how much more I can take. I currently have XXX of debts and I have to pay around XXX per month. I…
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olympic challenge???
cant seem to find it has anyone got the link
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Daily chat thread 13th November
Morning all.. THANK GOD we've got mse back!!! :eek: I was lost without it all yesterday! What's everyone up to today.. I've got to take my bass back to the shop AGAIN as it's still not working.. and Ste's had to book the afternoon off to take me... but on the bright side I'll be nipping in the tattooists to hopefully book…
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How do you approach this forum
Hello there, I'm relatively new here, obviously in debt. There is no question that the advice on here is great and it sometimes gives me hope and a good feeling when i look at my position. But then someone will post there sitution gone bad (which can be similar to mine) and it really worries how i will get out of it. I can…
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Balance Transfer Offer
Quick Question Folks, Just wondering if you think this will work and is worth doing! Basiclly... Got a CC with Virgin.. Have around 1400 on it.. Limit is 4400.. THey have offered me 0% on any new balance transfers till Sept 2008.. im getting charged 15.9% on my balance just now. So.. Here's my idea.. With Virgin you can BT…
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Confused newbie..
Good morning to you all, I've been reading this site over the last few days and think its great, such a supportive community. We are in debt to the tune of £76,000. After much agonising and loosing sleep we have decided to try and tackle it- we have gone to the CCCS website and completed their form and they recommended an…
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will i have trouble with these
can someone please tell me if they have had any troubles with sorting out a DMP with theses companies MBNA credit card abbey credit card now (MBNA) sainsburys bank credit card littlewoods catalouge empire catalouge thank you
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What will you spend, Monday 13th November 2007?
I wont be buying that much..need to pop bank to put money in lol..then home i think
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Relentless's Debt Confessional
My gf has been lurking on these forums for a while and, inspired by all the fab advice you lot give, has given me a [STRIKE]gentle shove[/STRIKE] kick up the !!!! to post my SOA and get this sorted.. Income: Salary £1350-1550 depending on overtime Contribution from GF £300 Total: £1650-1850 Outgoings: Mortgage £482 Council…
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Whew....we're back again.
Flipping 'eck, dunno how much more of this I can take. Anyway, Hi everyone and well done to the techies for sorting it all out again.:j xx
