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Moan and a wine
Hi guys, Sorry to be such an wigy cow bag but I feel really down today. I am on a DMP and most days things are ok but today I just feel so peed off about lack of money, I really do. I have so many things to pay out for and feel that I am treading water all the time. We dont really have a very large income and travel…
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16k in debt been to CAB..
Been to CAB, very usefull and helpfull, I'm in £16,394 in debt. Written to Companies with a repayment plan and financial statement as prepared by CAB which also aked them to freeze any further interest. Spoke to Barclaycard and they have stopped my cards and accepted plan but still will charge me interest. They also said…
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would a loan/cedit card be stupid?
hi there i actually sat down and tried to work out how much we pay out a month on debts catalogues etc i got so far and stopped, so we discussed it last night and wondered if getting a loan or credit card paying them all and only have that a month to go out would be any better, i'd say £2,000 would cover them all and maybe…
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Frustrated and need to vent..
Apologies if this comes across as whiney and pathetic but just need to rant. :mad: I've been offered a job as trainee volunteer adviser with the CAB. :D They just need to know when I can start so I'm in the process of sorting out childcare etc. the childcare itself isn't a problem. Just need to sort out what days I need,…
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Bailiffs Calling?....
I have 2 CCJs totaling approx £16000 from around 2000-2001. Neither of these are showing on my credit file (I have checked my file from all 3 companies Experian, Equifax & CC). I only have 2 satisfied defaults showing on my file. I have some other defaults, none of which are showing on my file, as they are all earlier than…
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Paid off my OD!!!
Hi everyone I've not been around for a while for a few reasons but wanted to share my joy with the people that know how it feels to be in debt. I paid off my overdraft yesterday and now only have 1 debt left to pay. My new DFD is end of April 2008. I'm soooo happy!!!! :j :j :j
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Minimum amounts CCs
Minimum amounts CCs, is it just me or has everyone's monthly min amount payable gone up. I never had a letter from any of my cc co. re a rise but if you have a large outstanding balance and have a very tight budget this could make a big difference. I was paying £5 min on one card now it is £9. I know it is not just me as I…
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Can anybody help? I don't want a CCJ!!!
Hello Some of you may know I am on a DMP with Payplan. Being silly I missed a payment on my account the month before last. I have 4 debts.........1 egg loan and credit card, 1 cahoot flexi loan and a Barclays overdraft. The first three debts have been passed to DCA's now but i'm not to concerned about that at the moment .…
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Three defaults from 2004
Just got my credit files/records and I have 3 defaults from 2004 is it worth offering full and final settlements or leaving them alone? everything since is fine no problems. Although one of the defaults is registered with B/card then again with a debt collection agency - from whom I have heard nothing so why does it show…
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Grrr.northern Rock
This takes the biscuit yet again with NR.The judge in OH ccj ruled that we should continue to pay the DMP amount.But NR wasen't happy and went back to court.OH filled in the form N245 and to get it put nearer to were we live. Low and behold OH get court papers through for interim charging order before the ccj hearing. I…
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SOA How do you reduce this?
Hi, I have been lurking for a while and recently started posting. :T I currently owe £1000 on 0% card til Jan 2009 - thought this was the only debt then realised also; £150 mth car loan for 2 1/2 yrs £27 mth loan for laptop 24 mths left - yes this was stupid and includes aftercare as well as loads of interest.:confused:…
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Another One bites the dust
Revieved my latest MBNA statement this morning and the balance is no longer in debit!! MBNA has been crossed of my debt list!!!! :j:j:j:j:j:j:j:j That just leaves the one debt left, which I'm aiming to clear by the end of the year. From just under £20,000 (5 debts) my debt figure is now 3,500 (1 debt)! It feels gr8 to know…
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Urgent help required
Hi all My mum is in a real mess. I've been on here before, got her as much advice as i could and she's either not done it properly or hasn't listened to me. Anyway, she's established she can't go on as she is doing and wants to sell her house and rent it back. She's phoned up the companies to try and get the credit card…
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setting up a new account
As a few of you may know i am starting a DMP soon i feel like i am never off this site just recently as i am worrying like mad about everything . I am trying to open up a new bank account away from my creditors i did it online at the beginning of the week .I rang up to the bank the next day see whether everything was ok…
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Help with DMP
I have had to delay my DMP from starting until 1st April but this means for my loans they will have no payment at the end of this month and non in March they will only be getting a payment on around 25 th April when my DMP starts . I rang CCCS and one man said send token payments another man said for Feb you will have to…
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Going to CAB about changing from a DMP to managing debts myself...
Any ideas what else i should take with me other than a list of creditors i owe, how much and there APR's? Any advice would be great. Also does anyone have any idea what the CAB will do first with regards to changing over etc? I know ive got to give my DMP 4 weeks notice..but do i do that or will the CAB? Any comments will…
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Daily Chat Thread Friday 15 Feb
Hey he's only gone and started the daily chat thread. I'm off work today cause childminder has a day off so am sat at home with the little fella. The sun is shining. What's everyone else doing? Len :D
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PaP/Moozie's What will/have you spent today Friday 15th Febuary thread
Morning all:hello: Should be a NSD here:rolleyes: Hope everyone has a fantastic and ferocious Friday:) (but not too ferocious:rotfl:I hope). Take care of yourselves:)
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Friday 15/02/08 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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Welcome to Tine our new BG
:j We have a new BG on DFW:j Welcome Tine it's great to have you on board (pardon the pun)
