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Wot! No Party!
Are we not in party mode tonight. We should be drinking the lambrini that Martin said we could have. I have had two glasses of wine this afternoon and a bottle of soda water to sober me up and ready to paaaarrrttty! Where is IA. Early night due to working tomorrow:rotfl:
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I feel like such an idiot....
I feel like such an idiot. I think I've posted 3 SOA now and had so many 'light bulb moments' but I always end up having to fork out money for something and get into a spiral again. I'm back to where I was 6 months ago, only with a 7k loan!! SOA Monthly Incoming: Wages £1113.42 Monthly Outgoing: MBNA Loan £191.85 A+L Loan…
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consolidation
hi, i am around 20k in debt comprising of a loan, credit cards and overdrafts. recently i have changed my lifestyle a lot and am not spirraling so quickly but i am still struggling to pay for everything. the trouble is that all the repayments are quite expensive. i am considering taking out a loan to consolidate everything…
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Advice
Looking for re-assurance really as I dont want to get into debt our monthly income is around 2500 no debt just basic living costs, gas, electricity etc would using 1000 a month for a mortgage leave us enough to live on 2 adults 2 teenagers terrified of taking on such a big debt like this are we just been apprehensive does…
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Change Electoral Role Info
Hi! I think my credit rating is poor because my previous address only shows me living there for 1 year and not 5, any chance how I can get this changed?:confused:
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Newbie looking for some advice.
Hi all, my first post here so please be gentle. Unfortunately I have recently split from my wife of 10 years. She has the house and children whom I still have contact. My first dilemma is that we changed our car this May, we bought a Fiesta from a Ford main dealer, the price was £6999 but we owed £1500 on the part exchange…
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DMP - DPP - TRUST DEED or SEQUESTRATION - Options ?????
Hi all I posted this on the BR board at lunchtime, but have had no response so far, so thought I would try the DFW for advice, as some of you have been there done that or got close and chosen another. I got on board with these friends 18 months ago. When I had sussed out the situation, I realised it was too big for me to…
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Hello People....Long time
How do people, just thought i would say hi as its been a while since i have posted, i have been lurking but keeping a back seat really. I've moved from Southampton to Lincolnshire now, i had paid of my loan and my overdraft so all i had was a debt to my Dad but my parents are moving so i am having to buy a house and a car…
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CREDSEC Help!!!
10 years ago I defaulted on a Lloyds loan and CREDSEC took over. We came to an agreement of £60 a month with interest frozen. 10 years onI am still paying month on month and need to know if there is anything I can do to stop paying- this long into the agreement? I have heard that after a number of years the recovery…
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Gutted: Help needed re council tax
I need some advice if anyone can help me out. I have received a statement in today from the council tax office saying I owe them money from 98/99 to the total of £1348.76. As far as I was concerned I had paid this off and any balance was to be paid by my ex. I have never heard anything since 2003 until today and I assumed…
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Reclaims whilst setting up DMP??
I am in the process of setting up a DMP through payplan. First payment to be made on 16.11.07. I was just wondering if anyone has claimed back charges from debtors whilst in or setting up a DMP. I just don't want to rock the boat and upset them any further than I have already! Any advice would be great. Thanks.
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Almost killed my debt. Please help it die
It's great to be back here after all this time and see what I had written here last year. I didn't consolidate in the end, I took out a 125% mortgage and used that to sort out a large portion of my debt. Apart from my mortgage which is doing well and my house which is (at the moment) going up in value I have the following…
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My debt is getting smaller.......finally
Haven't been on here for a while, so I thought I would update everyone on how I'm getting on. Things got a bit tricky for a while, nearly had our house repossessed, but thankfully hubby got an extremely well paid job in March 2007 and we have been able to put the extra wages towards paying off our debts. Ignoring the…
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repairing bad credit rating
can it really be done, if so what is the best way.
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Selling a car on HP?
I currently drive a 206 which is on finance with Peugeot. It costs me £150 per month and equates to half of my total debt. I have owned it now for 2 years and 3 months so I have paid a fair whack off the finance... my total settlement figure at the moment is £4426.52 I have sent an email to the finance company to ask them…
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Help.....Dont know what to do!
Hi, this is my first post so forgive me if i waffle a little. Basically my dh and i have got ourselves into debt and im looking for advice, im not sleeping at night and dh and i are arguing and im scared the bad atmosphere is obvious to our 2 year old dd and with Xmas coming, mot due and no money...argh Help!! Im trying to…
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help me go debt free
hi i have recently been applying for loans as i have a number of things i need to pay off...i know now though its not the best idea to borrow your way out of debt..i just dont know what else to do..i dont spend much as i never have anything left at the end of the month but feel my situations getting worse..the creditors i…
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Looking for a debt-free wanna-be budy!
Hi! Quite new to this site so just coming to terms with the lingo! Desperately hoping to get debt free after a year where I seem to have lost control of my spending... :mad: Looking for a group of people in a similar situation so we can motivate each other - anyone in a similar position interested? I have debt of around…
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My Debt Memoirs
Hello everyone and welcome to my debt memoirs. Having finally wised up and been forced into action, I present to you my current SOA/situation: Creditors owed:* LTSB Current A/C Overdraft - £2,000 (£2,000 overdraft) * LTSB Advance Mastercard (APR 11.9%) - £8,942 (£9,000 limit) * LTSB Personal Loan (APR 6.2%) - £6,628…
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Help DCA Turning Nasty
You may remember a month or so ago I said two DCA were chasing me for the debt. Well I requested a copy of the signed credit agreement and one company returned the cheque and said case closed. The company that I had been paying to cashed my cheque but I heard nothing since. I received a letter today saying I had missed…
