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Remortgage to clear debts?
Hi all - first post and been meaning to get sorted for a while.I have a One Account mortgage with approx 52K owing.Have a loan of approx 7k and credit cards outstanding of 14k. I have just changed jobs and earn approx 36K my wifes on abt 12k.been juggling for too long now.i have kids going to uni I think a remortgage is…
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A first for me - Thank you all!
I only joined recently. I was in a bit of a mess financially. But I found this site and this forum and through reading here I have managed to turn things around. Thanks to the changes I have made I had money left this month, for the first time in a long time. It wasn't much, I admit, but I had lived within my means and it…
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Debt Diet Tips Please
Hello, Today for the first time I have actually sat down, looked at my bills and properly realised what a sorry mess I am in. I just don't know what to do, I have tears in my eyes as I write this - I just can't see an end. I'm 27 yrs old, just about to move in with my very kind and generous boyfriend (he knows I have a…
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Debt Diet Tips Please
Hello, Today for the first time I have actually sat down, looked at my bills and properly realised what a sorry mess I am in. I just don't know what to do, I have tears in my eyes as I write this - I just can't see an end. I'm 27 yrs old, just about to move in with my very kind and generous boyfriend (he knows I have a…
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Should I run my own DMP?
My figures to Payplan are estimated so therefore not correct and they won’t get changed unless there is a difference of 40%. With First National my balance is over what it should be so my payment is higher & HFC are still charging me & want me to fill out their own form which would be fine but my balance with Payplan is…
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ignore
http://forums.moneysavingexpert.com/showthread.html?p=8825353&posted=1#post8825353
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Re:- What should I do £16,000 in debt post I sent yesterday
Hi there, Thanks for the replies, I never knew you could make an offer. As for the IVA fret can’t creditors refuse IVA’s would they realy be that botherd? And in that case I could go to my other creditor fretting with an IVA to renegotiate my APR and repayments, Is this correct?? Also, I don’t really understand what you…
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to do or not to do???
hi all just got my letter from cccs and just need to sign the forms and inc all statements so they can set up dmp. just a quick question..... we have changed our mortgage deal which would give us roughly another £100 a month to add to £450 ish cccs have agreed on, (sorry to be vague on figures but don't have exacts to…
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Daily Chat Thread:22/2/08
Morning! I thought I'd start this then go back to bed as I am SHATTERED! DD woke me up at half 2 for a drink, stupidly I asked her to ask DH (as they NEVER wake HIM up in the middle of the night-and now I know why...:rolleyes: ) WW3 ensued at the Bunny household and I couldn't get back to sleep...:mad: (and at 6 am, I was…
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Clearing Credit History
Any of you guys know anything about the companies out there who claim they can clear your credit history if you have bad credit ?? Was speaking to friends in Mallusk, and they were saying that they spoke to a company who charged 75 quid and cleared your credit history. They guarenteed it would work and said they would…
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Pap/Moozies What have/will you spend Friday 22nd February??
Morning all:hello: Should be a NSD here:rolleyes: Hope you all have a fantastic Friday:)
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Congratulations to me....
For shedding 8K :T Only 11K to go.......would be 3k if i can convince hubby to take back the HP car but hey ho.
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Northern Rock-dmp- Any Ideas??!!
Hello everyone, I am currently on a DMP and to summerise everything, Northern Rock are part of the DMP and I was wondering what would happen to the DMP once the company is either bought out or nationalised!!?? Many thanks, Stevo2
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Friday 22/02/2008 What small dfw thing have you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Some questions about CCAs etc
Hello, Could I pick your brains please. A little backgound - when I negotiated my own DMP quite sometime ago I never asked for Credit Agreements some of the debts are in the hands of debt collectors etc and I never asked any of them for anything. 1 of them sent one anyway (the big personal loan) and I recently asked the…
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Over 60 - best course of action? Advice this weekend please???
I'm posting for some suggestions as to what I can do to help my mum please. I'm fairly savvy with dealing with benefits offices/housing depts etc & I will probably get her to phone CCCS & have said she needs to get paperwork together in the meantime & write down her SOA for me. - I cannot put a full one on here as I don't…
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Trust Deeds or IVA'S
Can anyone tell me if you can be a director of a ltd company from being discharged from a trust deed after 3 years. if not why not?
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Thames Credit Field Agents in Northern Ireland
I was phoned up last night by Thames Credit. They told me if I didn't pay immediately a "team of field agents" would arrive at my house within the week. Anyone else in the forum who live in Northern Ireland deal with this team or even a single field agent before and have any advice. I don't know what to expect or whether…
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Proceed with Payplan
Hi, I am about to proceed with Payplan and am exceedingly nervous. this is something that I just have to do as my debts have simply spiralled out of control over the last few years. They now total around £60k (some are joint with my partner) We have just had a delightful baby boy and now I need to get my finger out of my…
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Magazine Substitutes!
Hey, I know I've seen a thread on this somewhere way way back...but does anyone know of any online sites that provide as good a substitute to the more expensive magazines in the shops? I love reading Total Film and Empire amongst others, but if theres a web equivalent for free I'd be saving myself £10 a month...its a start…
