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help please
Hi I have already posted saying that I have had my light bulb moment. I have written to all companies involved explaining that I can no longer afford the payments to them. Up to now only 3 have replied to me to talk and I have re written to them all again. Marks and Spencer have been brilliant. they accepted my proposal…
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Paying off a fixed loan?
Hi, I would appreciate some advice please regarding paying off a fixed rate loan. This year I have been paying off credit cards etc, living carefully and now have saved almost enough to pay off the remainder of a fixed rate loan that I have. By the end of next month I will have saved enough to pay off the remaining loan of…
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Make More On Quidco
I am sorry if this is in the wrong place or it has been mentioned before but I couldn't find it. I was wondering what daily clicks there are on quidco. I already know about The Hight Street Web, Kelkoo and Carsource. I have set myself a challenege, read about it in my diary (see link below) and the quido clicks will play…
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Joint account - poor credit
I have a poorish credit history and therefore i dont want to open a joint account with my partner because that will mess up her rating. However can i have the utility bills in joint names without it affecting her credit rating? Thanks Bob
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First letter about 9 year old debt!
Morning all, When the postman came this morning i was bemused to see a letter waiting with my maiden name on it (i have been married for eight years) Upon opening it, it seems to be a formal demand for a topshop card i had taken out in 1996, in the back of my mind i cant see how this £137.39 wasnt paid as i have never…
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What will you spend, Sat. 3rd November.
Morning all So far nothing: will have to pop out and get the papers later. Have a really good Saturday everyone :)
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home collection services ltd
Hi, there Helping my daughter again, We have just received this letter from another DCA after not replying to their first letter. What should we do, I can request a cca again, I know, but are they allowed to write what they have written. This is the same debt as was held by Moorcroft, to whom we sent a request for the cca,…
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Refused a Bank of Scotland One card yesterday
I hold a current account at the BofS, I have about £2,000 of debt split between an MBNA and a bank of scotland Classic visa card. I want to get all my dbt on an interset free card so tried to do it yesterday and was refused. They thought it was probably as I am coming up on their records as having 3 Bof S credit cards- but…
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Welcome Home From Work Ia!!!
This is gingerste's thread form http://forums.moneysavingexpert.com/showthread.html?t=588936 here really. I'm not going to admit that so far I have spent my saturday morning in bed reading the papers So... how did it go? Hate the general public yet? Or is it a bit soon? Found any brilliant bargains for us to go and snap…
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What are we going to do while Immoral Angel's at work?
Just remembered I-A's in her new job.:T :beer: But what are the rest of us going to do? :eek: :p :D
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Newbie looking for some advice
Hi all, We are in the situation wherby we have run up £82k worth of non-priority (unsecured) debt and an additional £38k worth of priority (secured) debt....plus obviously a mortgage. Our monthly outgoings to cover the debt alone is around £3500 plus the mortgage and living expenses (the total for outgoings per month is…
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Social life?
I have been told by the cccs that the recommended amount allowed on a debt plan for social / recreational spending is £25 per month! As a middle aged single parent, working full time, trying to rebuild a life how the hell do I do that on around £5 a week? Does anyone have ideas that will help me get out, meet new people,…
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CO Operative Bank. Need to think about what they say?
I am absolutely shoced by the attitude of Co Op bank. For the last two years I have been paying them the amount I work our Pro Rata. But they still havent stopped intrest and to be honest , I am on the verge of making them take me to court. ALl other creditors have been very good and as I have rebuilt my career , I have…
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Where do I start???
Hello I'm new to these boards and wanted to know if anyone could give me some advice on where I need to start on the road to becoming debt free. I've recently married and so have some outstanding money on both mine and my husbands credit cards - roughly around £7,000 EEEEKKK! My husband also has a loan of £2,000. We also…
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Can't thank you all enough...
I have been awake most of the night worrying about my debts and kicking myself black and blue for being so careless and irresponsible and getting myself in this stupid position in the first place. At about 4.00am I had a 'lightbulb' moment and decided a loan to consolidate all my other debts was my solution. I logged on…
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Old debt, but I want to pay
Hello, My name is Rachel and I live in Australia. When I was 19yo I moved to the UK for a few years, while I was there I had a credit card and also 2 store cards. I am not sure how much was on them. While I was away I got very, very sick and was in hospital for a while in the UK. I got well enough to be able to fly home as…
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Moorcroft Debt Recovery + Orange contract
Hello everyone, a while ago my sister applied for an orange contract phone online to use the free minutes to called abroad, a few months later they removed the numbers she calls from the free minutes. Soon after she called them and canceled the contract and they stated that the outstanding amount for the month should be…
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£200,000 how would u spend it _ debt £84,000?
your viewS???
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MBNA interest Scam
Well, I don't know if scam is the right word, but I'm mightily miffed off with them. What happened was I had a 0% deal which was coming to its end, so to avoid paying interest of around £50odd I decided to pay off the balance in full just before the 0% deal ended. I rang MBNA up to pay by debit card only to be told "sorry,…
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The DFW book club..
Hi all, I've jist joined a local book club and wondered whether anyone would be interested in a DFW book club discussion thread? I know there was a thread a while ago on book swaps but it was a no go due to exchanging addresses etc so thought it may be good to have a DFW online one as a way to encourage us to broaden our…
