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moozies/paps ~ weekly challenge ~ w/c 17th feb 08
Welcome all... I hope you have had a great week and kept it low... and are you ready to be turned red/green? Everyone can join, just post a target in keeping with you/your debts/your spends, don’t worry about everyone else’s budgets. Then each day post on the daily spends thread and add them all up ready to post the…
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Repossession?
I am in arrears with my mortgage due to the sudden death of my long term partner last year. (Our life cover sadly expired without us realising.) I have written to them and phoned them several times to say I can no longer afford the monthly repayment of £500+ and have asked if they can switch me to interest only. They will…
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Mystery Shopping
Hi,I'm really getting stuck into MSE tonight. I had my LBM in November, and have been obsessed by spreadsheets, tables, cash-flow forecasts, Quidco, Pigsback etc ever since. However, all my predictions show that in May I will have reduced my IF card from over £5000 to just £300. The thing is, I'm aiming to have it paid off…
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Save 20% at Train Station food & drink outlets
Hi all recently discovered this card on a thread here on MSE and wanted to shout about it as it really could save people who travel on the train a bunch of cash.... www.bitecard.co.uk Saves on Burger King, Camden Foods, Upper Crust and many more stalls I believe. :beer: Basically most of the places to eat on train…
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Debt Dr. - Should I?
I am at the point of not being able to pay my credit card bills and have made an appointment with a company called Debt Doctor. Does anyone know of them? Are they any good? Or is there a better way?:confused:
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Help wanted urgently... or whenever convenient!!
Hi there, I was wondering if anyone could help. I remortgaged my property and opted for a repayment type mortgage . I've been paying monthly since. The problem is when I look at the summary online it doesn't seem to have budged at all. Have I done something wrong!! I'm worried:eek:
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The friday night "How much innuendo can we fit in one space" party thread
Hi y'all! :hello: Hope you're all doing OK. Well the beer's in the fridge (next to the peach Lambrini), the music's pumping and I've got the Twister out. Yes it's Friday night again!
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Dont know where to start!
Well its time to admit the trouble im really in! Ive been lurking aroung here for months feeling smug with myself because I thought i had my situation under control when really the full reality of the hole I am in has just hit me and I am so ashamed and disappointed with myself :o I am at that horrible stage where I am…
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Scared
Well its been 2 weeks that my OH has been unemployed for and he hasn't applied for any jobs yet. He has found 1 he's interested in, so rang them last Wed 6th, they had no vacanies at the time, but said they would send out an application form and keep it on file. Come Monday 11th, no application form, so he rang them, they…
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explaining why cirumstances have changed
I am just filling out the notification of debt management plan to send to all my creditors i am having a blank on what to write in the box where it says my circumstances have changed - I had to give up work at first because of i had no one to look after my children but for the last two years i have been on incapacity…
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Some help please?
I have a full time job & have been working for a babysitting agency. I get paid cash in hand from the babysitting jobs I do, the families have to pay fees for using the agency. I was just wondering whether/how I go about declaring it in case I have to pay tax? Can someone help as I'm worried i could get into trouble for…
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Help Please
Guys, I'm stuck, I really need some advice. Having a major dilemma... At the moment I earn about £285 a month and get my student loans/grants of £1556 each October, January and April. My outgoings are £280 a month. The first lot of student money was lent to my brother, the second lot paid for my car accident and £300 is…
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Do I have to supply this info to egg
I want to offer a full and final to Egg. I received a letter from them today and they say before I can be considered I have to supply the following, Full statement of assets and liabilities, Evidence of income payslips/benefits, Most recent morgtage or rent statements, 3 most current month bank statements, Evidence of…
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ccj and time limits
does anybody know if there are time limits for ccj's from serving the claim to proceeding with the claim. I was issued with a claim agaimst me in 2006 - until the present date the claimant has not proceeded with the claim. I admitted the claim and returned the forms but it has never been dealt with. Can the claimant use…
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Diy Dmp
Hi everyone - lurker turned poster here :D I have been on a DMP arranged through the CCCS since September last year and it really was one of the best moves I could have made towards dealing with my debt. However, I am now planning on going DIY on the DMP front for a number of reasons: 1) When I first contacted CCCS and set…
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CCA request
probably a stupid question but my £1.00 cheque was cashed today for my cca request. anyone know if this is a good thing or not?
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Does anyone have the address for ......
Additions Direct and Kays, I can't find them anywhere Just to double check you can claim back charges on Catalogues can't you, i'm sure i read somewhere you can. PS not sure if posted in the right Forum :)
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Alternative Bank Account - where can I go?
Hi We are starting a dmp with cccs 1st march and need an alternative bank account. Our debts are held with mbna halifax barclaycard mint co-op goldfish liverpool victoria and a couple of catalogues can anyone suggest where we can get another account, particularly that will give us a debit card of some sort. Lloyd TSB will…
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Trying to clear debt...Help Please :-(
Hi everyone. I have 2 credit cards, both filled to the limit, one being £1,600 and the other being £1,500, I have also filled up a store card of £600. I earn around £1200 each month at work, but my monthly outgoings are causing me to go overdrawn every month and leaving me with no money for food. I have been trying to get…
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I know it could be worse but.....
I've sat down today and had a good look through my finances, and it ain't pretty. Here's the breakdown... Monthly Income: £1200 Out Rent (and bills): £400 BCard: £100 MBNA Card: £100 HP1: £125 HSBC Loan: £211 Mobile: £80 RAC: £15 HP2: £26 So it could be worse. Here's the debts: BCard: £3174 @ 14.9% APR MBNA: £2854 @ 0% APR…
