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Bathgatebuyer SOA - give me some ideas please
Righty-ho, I've not done an SOA before despite being on this site a lot. So, here goes, I'm looking for some suggestions on some additional money saving ideas: Mortgage - £732 (Remaining sum is £100K on a £200K property which isn't bad for a single 30 yr old with 18 yrs remaining on mortgage!); Car Insurance - £27 (fully…
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debt help/advice with capquest please
hi all im new, nice to be here sorry if this is slightly long but please read i have a few debts that are managed by `payplan` which are all ok and i pay my payment every month,,, but i had 1 debt that i ignored that ended up with capquest, unfortunatly it went to court and i had a CCJ awarded against me for the sum of…
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Hel!! My Debts Need advice
Ok here are my Debts: Moorcroft Debt agency ( orange phone bill) - £250 must be payed my end of month as face a CCJ. (paid 50pound this week) Next - £400.00 Virgin Media - £175.40 (i ended contract early as i moved away) My OH Littlewoods - £237.94 Capital one card - £519.72 Pauls OD - £296.81 (not that bothered about this…
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Any Volunteers To Take Over DFW Nerd Club Duties?
Believe it or not I'm spending less and less time on DFW and MSE! :eek: :p So I was wondering whether anyone else wants to take on number allocating! I've only just updated it and it's been nearly a month which I feel is a bit unfair on people wanting numbers! So anyone interested? :confused:
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bank loan
Hi all first post from me we have a bank loan running for 7 years (3 years left ) we want to start making over payments next jan so how do we go about this many thanks claire
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advise please
hi, before i found this wonderful site i took out a dmp with THE DEBT ADVISOR,i know,i know did not know about the FREE debt companies, well just had my 6monthly review and found they take £50 a month:mad: , i thought they would just take the 1 off payment and that was that. how naive was i!!!. my query is can you change…
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Unexpected bonus
What should I do? I have just received £150 tax credits (didnt know I was entitled and only just claimed). So I have 3 options, pay it towards my credit card, pay it towards DD or buy a wardrobe for DD? I'm also getting £46 every 4 weeks so I could repay DD by the end of the month. However, its taken me ages to decorate…
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Can you please help me? I do not know what to do.
Hi Everyone, I used to read these forums a while ago, but not this section as I didn't think it applied to me....(How wrong was i) It's started to hit the fan/I'm pulling my head out of the sand and i really need some advice. I'm 25, and still live at home with my father. I didn't plan to still be living here at this age,…
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student with big debt problems
i am a student at birmingham city university, and have some serious debt problems. i didnt intend on ging to university this year so i did the worst thing anyone could ever do and took out numerous store cards, with the intention of paying them off before going to uni.but now i am in uni stuggling to get by as it is and…
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What time of day can DCAs legally start calling?
Hi, Northern Rock are calling me most days at either 8.30am or 9.00pm. I have asked them to stop calling as I only want to communicate through letters. :mad: I guess I need to put this in writing though. Can anyone point me in the right direction of this template? Thank you so much.
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what to do?
I have £2195 coming in each month and £3095 going out each month £775 mortgage £575 secured loan Have been offered remortgage for tyhe whole lot including all my debts which would leave me with cash to spare. would this be wise or should i do a DMP.?
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the good, the bad and the ugly.....
Evening.... Having found myself sitting here every day at work (because I'm a temp and they don't trust me with the big things).... I have found myself a sparkly new job.... (the good) But... it's weekly paid at the minute and the new job I start on monday will be monthly paid.... I've only just got used to paying 2 direct…
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Update and some advice pls!
Hiya, Its been a good few months since my last post, mainly because my life has become dominated by exams! Boo! I thought I'd give you guys my latest SOA and ask for a little help. Firstly, my mob contract ends soon, finally. I have found out that this yr so far I have spent over £600 pounds on my mobile phone! I have a 3…
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What are 'Clicks'?
Hi there. I would love to have a go at making some extra money with the internet things called "clicks". I work part time as a receptionist so when I'm not answering the phone I'm on the internet ;) . Thought I might put this time to some good use and try and reduce my massive debts. Also how do I become a mystery shopper?…
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Help! CCJ
Hubby sent his court papers off for a ccj to be issued. He wasen't too sure who to send it to.The courts or Nationwide for a c/c debt. Plastered all over the forms where the courts address, we have sent it signed for postage and the courts have it. If it's the wrong place will it be passed on? really worried now CQ
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Bit of Advice Required
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Trying to rent a house when you have a bad credit rating - how? Desperate!
Hi all, We have had some news that mum is selling her house and this will leave us (hubby, wife and 2 kids of 3 and 4) homeless when she sells it as we rent it off of her. I have been to the council today as we have been on the waiting list for 8 years and they have told us that our best bet is to rent privately and we…
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Yet another new guy enters the frame.
Hey everyone! Quite new to this Money-saving lark (even though I'm 26). It's got to the point where my debts and generally fiscal irresponsibilty are making me ill so I thought I'd kick my own !!!! into gear with (hopefully) some help from you guys. My debts are as follows. £2600 Virgin Credit Card £3500 left on a £5k…
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No Credit Card No Way Of Getting Out Of Debt!!!
HI I GAVE YOU ALL A BRIEF HISTORY OF MY LIFE YESTERDAY, FINALLY SAT DOWN AND GOT MY HUSBAND TO TELL ME EVERYTHING HE OWES SO TODAY I HAVE BEEN ASSESSING WHAT WE HAVE AND ALL THE LITTLE LUXURIES WE HAVE IN ORDER TO SELL THEM ON AMAZON/EBAY ETC JUST LIKE ALL THE FORUMS SAY. BUT I CANT GET ANYWHERE AS I DONT HAVE A CREDIT…
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please help...Letter from Mercers Debt Collection
Hi, today i have recieved a letter from Mercers Devt Collections of behalf of Barclaycard. i am £313.00 in arrears. They wouldn't take a payment of £20( all i have left in my account) they said i need to pay at least £50 or they will arrange a doorstep collection. Now, i only recived this letter today and phoned them…
