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can any one help?
Can someone please help, we have recently signed up with the cccs debt management plan, where we would be paying 129 pound a month to pay off debts, we are behind with our rent by almost 3 months our landlord knows about this and he isnt hassling us he knows our situation, just recently my partner has lost his job due to…
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In Need of a little motivation
Hello I was just wondering if anyone had any ideas for injecting a bit of umph into money saving. I've been very good for about 6 months but I've lost my way a bit these last few weeks as I ended up spending too much for my mum's birthday and this has completely disheartened me as I've been so good and have very little to…
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Hilarious Encounter with Scam Debt Management Co....
Hey everyone Had an amusing call this morning from some company who'd got my details from somewhere, probably one of my stupid loan applications, but it was quite funny - I kept it going just to see what they'd try and sell me, had quite a banter with the kid on the other end of the phone. They called themselves Churchwood…
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Hi - im new and working towards being debt free!
Hope its ok to introduce myself here. I've been browsing the forums here for a while now and absorbing all of the great info. I particularly like all the 'challenges'! I have recently had a 'lightbulb moment' with regards to my life in general - perhaps a result of getting married a few months ago and thinking about life…
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Thrifty 50
A cut out and keep guide to making life cheaper from The Times, although I am not sure that "ditching the TV" idea will attract many supporters.. :T http://timesbusiness.typepad.com/money_weblog/2008/02/the-thrifty-fif.html
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help needed just contacted cccs????
hi a little ashamed but i have come to a pont where i just cant manage my debt anymore, ive phoned cccs and i have a telephone appointment on the 26th feb, she advised me in the meantime to contact my creditors and ask if payment could be put on hold and cccs will contact them in due coarse they also advised me to take all…
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Help
A creditor sent me a letter yesterday for a debt i had forgotton about, this debt is more than 6years old, I think I read somewhere that there was a law to prevent creditors to persue debt more than 6yrs old. Can anyone shed any light?Thanks
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Calling Patchy987 ....
.... come in Patchy - are you receiving me?:D I'm here with my calculator standing by to help. I've got to pop out this afternoon so if you don't hear from me straightaway it's not that you're being ignored - I'm going shopping (I know I shouldn't (look at my sig!) but there you are). I'll have a look for you when I get…
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Need help with my SOA!
Hi all Here is my SOA. Initial notes: ***I am a single parent*** ***Am being made redundant at the end of March*** ***Am awaiting recalculation of HB and CTB due to a reduction in hours at work*** ***Don't receive any child maintenance at present. Tax credits overpayment from joint claim with ex so are jointly liable, also…
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Advise required on formal agreement for lending money between friends
Hi there, Apologies if this is the wrong forum to post in... My partners mother has come into some money and has offered to pay off my debts and me pay her back a set amount a month. What i would like to do for everybodies piece of mind is have a formal agreement between us. It is a substantial amount of month therefore i…
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Help Needed - Debt agency
Hi Guys, I was previously in a fair bit of debt, around 30k, but I am now debt free, or at least I thought so. I had a letter from a company called Debt Managers LTD. saying I owed Aktiv Kapital £389. I thought this had been settled back in '03. What further compounds it, is that I do not know where the debt originates…
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Quidco-has anyone been paid out by NAT WEST?
I am waiting for £120 off Nat West---it was validated ages ago ---firstly for Jan 2008 and now it is Feb 2008 but with no sign of it being paid!!!Has anyone been paid out by them?It was for a house insurance.Thanks xx
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Advice please on loan debt...
Hi Everyone, I am in need of some advice on how to reduce our existing debt which consists of: - Barclays Loan - 12.475% Balance = £9733.68 Re paid by September 2011 @ £218.97 per month CBS Loan - 5.7% fixed 'till Dec '09 Balance = £18,150.56 Paying £107.26 per month - term 30 years!!! This was taked out with our mortgage…
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Ebay - any wise words on using this site to make some cash?
Hi all Posting this seperately as I'm going to challenge myself with ebay. Had a bit of a think last night, and I realised I actually have TONS of stuff I could auction off - lots and lots of unused/barely used baby clothes, toys, equipment; clothes belonging to myself that I never wore; a Nintendo DS that I never play (I…
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big bill
got a letter this morning, saying i own trimph asset services £498.33 this is from a bill in 2002! there say there have tryed and contacted be before in my old address but this is the 1st letter i have had from them, is there anything i can do about this, as there have just put a load of charges on this without me knowing,…
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CCA Request
Hi PPL, I have a very simple question. I have been sent the usual letters demanding payment from a couple of DCA's. Have sent in the letter asking for copy of credit agreement etc etc. The problem is I hear back from them , saying they have contacted their client and that the information is no longer available and they…
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PaP/Moozie's What will/have you spent today Monday 18th February thread
Morning all:hello: Should be a NSD here:rolleyes: Hope everyone has a fantastic Monday at home/work:)
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Payment Protection
I was contacted last week by telephone by a young lady explaining to me that I could claim back on monies that I had spent on Payment Protection plan. I have a loan in which I am paying and she said she could look into it and claim money back as even if I was out of work, nine times out of ten they wouldn't cover me anyway…
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How long to wait for bill
Hi Guys. Bit of advice needed. living in Edinburgh, living in a flat. Over a year ago council decided roof of flats needed redoing and said all flats in building would have to pay equal shares and they gave an estimate of how much this would be. Now the work was finished over a year ago and we have received no bill from…
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Daily Chat 18th Feb
Morning all.. it's sooooooo cold here today! :eek: Nice and sunny but I'm had to bump the heating up as the girls' hands a feet were like blocks of ice :eek: Apparently in our village traffic is chaos because of school runs and road works all over the place so Ste's late for work... Got to love mondays eh?
