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Are there any self-employed DFW's here?
Hi! The problem I've kind of hit upon when trying to do any sort of budget is that I really have no idea what money is coming in when as both my partner & I are self-employed. He's a builder and has been s/e for approx 14 years and I've just gone s/e. Sometimes we can have a couple of thousand in the bank and sometimes we…
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Question about Credit Report
Hi, I'm not sure if this is on the correct forum but I have seen the really helpful information given on this forum by you all and I do hope you can help me. It's a bit long so apologies there. I had a default entered on my credit report on 31/08/2001 by Barclaycard after falling behind with payments (they had never once…
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DMP and barclays/goldfish takeover
Hi all, been a long time since I have posted, but wanted a quick bit of advice as payplan are not available at weekends! I have recently noticed in some posts on the credit card forum that Barclays have taken over Goldfish (they currently run my morgan stanley credit card debt since ms took them over for their credit card…
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Finacial Ombudsman and a Court claim - can they both happen at the same time?
Hi, Due to the fact I lost my job, I arranged a lower monthly payment plan with RBS on a loan I had. This was going fine, but then out of the blue, they demanded me to pay the full origonal amount. I felt this was unfair, so I complainted to the FO. RBS argument was that I was back in full time employment (but im still…
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Switching utility suppliers - is a credit check done?
Hello all! I'm comparing prices and considering switiching my Gas and Electricty suppliers. This may sound a daft question, but with my current supplier I pay a fixed monthly amount by direct debit, and I want to do the same with the new supplier if I decide to switch, but will this be dependant on credit checks???? I'm…
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Newman DCA did not send CCA but application - more advice needed
Hi all I have been following the advice on here and have sent the obligatroy £1 fee to the DCA companies i am dealing with. DCA Newman have replied with a copy of the application and say they do not have the CCA as they have not bought the debt. After a week of no calls the calls have started again and they are texting my…
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Breaking news : Medway council notice to owners are illegal !!!!!!
LINK HERE : http://i134.photobucket.com/albums/q82/bailiffchaser/MEDWAY%20ILLEGAL%20NTO/illegalpcn001.jpg Do you have a pcn that was issued by medways attendents ? Double click on the picture to read or down load to your desktop and open .
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I've made £360 in the last hour!!
Woohooo... That's £360 towards my debts. £350 for a scooter that's been lurking in my garage £10 for a load of Barbie stuff I've found lurking in my attic! Now to decide which debt to pay it off...should I put it all towards my RBS overdraft (£900 OD) or split?
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The dream of Dubai-Wish me luck!!
Hi all, Over the last 3 months my company have been running an incentive to increase profit, raise morale within the company and increase the level of customer service that we give. There were 12 areas of the business and the top performers in each area every month won a prize. My team rubbished the idea when it started…
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SOA - OH unemployed, need help with it
Income: Myself - £920 (this is my lowest wage, i work in a school and do 2 jobs, 2nd job is 5 hrs a week, i only get paid this during term time only, so wage does change each mth, but thought id include lowest to be safe) OH - £256 JSA Total - £1176 Expenditure: Mortgage - £439.64 Council Tax - £102.00 Mortgage Payment…
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Can I ask what might be a very stupid question?!
Hi All, I'm going to ask what might be a very stupid question. I joined Quidco the other night on the advice of someone on here for my pet insurance. And took out a policy with Halifax that had £20 at the side of it on the advert on Quidco.:embarasse Stupid question....but how exactly does Quidco work in lamens terms??!!…
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whatever can i do now ??? so worried
well i dont know how many of you read my last thread about my IVA company being stupid but to sum it up, they have miscalculated the arrears i owe, they say its 966 but in reality its 494. ( i know arrears are bad but it couldnt be helped) i have now spoke to them for hours and sent 2 letters explaining their error. its…
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Lowell financial - chasing me for someone elses debt
Can anyone give me any advice please. Lowell Financial are continually chasing me for another persons debt - the person has the same surname but a different first name. Lowells have said the address matches mine. So far we have not received a single letter from them or anyone else concerning this so called debt but are…
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Saturday 16/02/08 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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how much for food budget
Just wondered how much per week would you say a sensible food budget should cost for 2 adults & 3 children ?
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Daily Chat 16th Feb
Happy Saturday! Thought I'd sign in and say a quick hello before work.... working from 12.30 today. Still got this stupid cold but otherwise ok. Still job hunting and have written down all the pubs in our local town to call up.. :rotfl: I WILL find something. On the plus side Ste won a competition and will get a free xbox…
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should i be paying more to creditors
I am about to start a DMP with CCCS soon i have just worked out after everything has been paid but this is not including food or petrol i will have between £400 - £600 per month to spare ,i am only used to having £100 and thats to buy food so i am used to nothing spare . I am pleased i am actually going to have spare money…
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PaP/Moozie's What will/have you spent today Saturday 16th February thread
Morning all:hello: Should be a NSD here:rolleyes: , but I will have to pop out for the weekend paper later:rolleyes: - and they cost a small fortune:rotfl:. Hope everyone has a super Saturday:)
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Barclaycard Sent Me A Aplpication Form
Hi After Cca Ing B/card I Recieved A Reply They Sent Me A Photocopy Of My Student Application Signed And Dated By My Self With A Barcode Over The Little Box Above My Signature A Few Pages Stapled Together Of Terms And Conditions - Ive Never Seen These B4 In My Life, These Are Separate To The Application Form Is It…
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Do CDs sell on Amazon?
Hey all, Just wondering if anyone else has experience of this! Got rid of loooooooooooooooooooooooooooads of books on Amazon, and have a box of CDs to tackle next. I was thinking though, what with all the downloading and all whether anyone would buy them these days. Has anyone else managed to sell CDs on Amazon?
