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Reclaiming bank charges - financial difficuties
I know most bank charges are on hold because of the test case, however, the FSA set a waiver for those customers in Financial difficulty so the claims had to be delat with. Is there a template to that effect on here?
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Is there anything positive in being skint?
Just as the title says? I'm trying to look on the positive side after living off porridge and water for the past 2 days as I eagerly await pay day! I'm hoping to compile a list which I'll stick on my noticeboard in the kitchen to remind me! At the moment, I'll start with: 1 - I no longer waste money; 2 - I do understand…
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What works for you?
Having been on here a little while and reading everyones diaries etc I have found so much useful information. Have already claimed £20 piggyback vouchers for xmas pressies and have over £125 in quidco due to be paid in December :j Anyway my question is what works best for you when clearing debts. I notice that some people…
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'Deep' & 'Meaningful' - why are some people good with money?
Ok, firstly this is'nt some kind of lecture, but I notice most of the chat on here is very much on the surface, it fails to really address the mechanics that lead to bad outcomes. If we dont understand underlying causes, all we will ever achieve is a sticking plaster excercise. As a mortgage and loan broker I have seen it…
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Just spent
not money ha ha. Just spent ten minutes cutting up all my cards. The scissors make a lovely noise as they go through that little chip thingy. I will be debt free one day, I will be debt free one day.
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What Would You Do?
My Husband and I owe a total of £130,000. We are on a DMP with CCCS,but it is going to take us about 18 years to pay the debt in full and that is with my Husband staying on the wage he is on now.However,in 2 years time the company that he works for is going to be sold,so he may have to find another job on a lower wage. We…
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MBNA - Recording of conversations
Hello everyone !! :rotfl: Just a question really i have just got off the phone with MBNA, are they right in saying that if i don't tell them I'm recording there conversation it is admissible ??? But i have read somewhere that they are governed by American rules and regs due to the fact there an American company. :confused:…
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welcome finance
has any one had dealings with this company? i missed 1 payment and had threats of visits to my property very intimidating
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Why is it my sister never understands
wen I say I've go no money.I'm sick of repeating myself put the phone down on her this norning when she phoned to tell me about a great new pair of boots I should go out to buy. When she says she's got no money it means she's only got a couple of £100 left to spend on junk. Hello, i'm a month behind on the water rates and…
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Bank charges, will we get them back??
I know the court date is set for begining of jan but does anyone know if our claims will still be prosesed?
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Newbie-any Help, Advice Or Pointing In The Right Direction Greatly Appreciated!
Hi all Just wanted to introduce myself and tell you my story in the hope that i will get some tips and adivice from people who have been in a similar situation. I have been in debt for as long as i can remember and think it stems from having a childhood where money was extremley tight. I have worked since i was 12 doing…
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Seeking Help and Advise
Hello all this is my first posting on these forums but i have been a browsr in the past. I am in a terrible situation. Herese the history I have a £32,000 debt with Natwest. They have a CCJ and a charging order against me/property. I dont have a formal payment arrangment (stupidity on my part:lipsrseal) The debt is in my…
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Refusing SOA on grounds it isnt from CAB
Hi all I have a loan with CFS , it has rediculously high interest but was taken out for a course for my partner who now has a better job, Any way they already slapped 2.5k on a 3k loan. I sent them a DMP and SOA which I have been doing for all my creditors, because I am on such a low income CAB/CCCS type orgs have said i…
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What will you spend, Saturday 10th November.
Morning all . Will need to pop out and buy the papers - and who knows what else:rolleyes:. Hope everyone has a fantastic weekend. Take care :)
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Final charging Order...Help!!
I hope someone can help me. I have been really silly and not paid water rates for a few years!! united utilities wouldnt accept any payment plan and wanted money in full which at the time i didnt have. A few years ago we was in bad debt but are now doing well paying everything off and truthfully i had forgotten all about…
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MSE Kids
Hi everyone, I've been lurking here for the past few weeks, and I'm SO impressed by everyone. I've spent (literally) hours reading all the diaries and articles and trying out the snowball calculators and budgets and tools, and now I'm completely hooked :D I just wanted to say a big Thank You to everyone - all the posts…
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administration order and DLA
I intend to apply to the courts for an administration order, as i have contacted ccs and they have advised this, I am on benefits and on DLA Will my DlA be counted as an income IE Will the courts use my dla to pay my creditors, Or cant the creditors touch my DLA Thanks.
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Allergy advice
I'm sure that there are many different symptons and signs of allergies to things, but would you say that reactions such as nausea, dizziness, lethargy, loss of balance and indigestion are signs of an allergy?
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Ebay
I have just sold my fridge on ebay for £50 woohoo finally took 3 attempts... have a fireplace ending about 12am and a tv stand so hopefully they will sell also 3rd time lucky...im puttin 50pound towards bills!
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can anyone help?
I have just payed 47.20 out on bills..but i wana pay some more out..I have left in the bank 110.00 that will take me up to my limit on o/d. So we have 110 to last us till wednesday..on wed we get 81 pound and £195 anyway how much do u think is a good amount to live off till wed..i smoke 20 a day but i wana cut down tomo n…
