-
Any advice greatly received!
Advice please Hi, I am a newbie to the forums! I had an graduate overdraft with lloyds whilst I was a student. I have paid off £1000 in the last 2 years by paying an agreed payment each month. Last sept my agreement was renewed where by I agreed to £50 each month off the remaining £780. ( I do intend to pay treble this,…
-
Should I?
I did an SOA quite awhile back and its probably generally still accurate but this is a bit more specific. I managed to pay off my smallest creditcard but then the credit crunch started all the CC companys twitching. This is a mini SOA for my CC'ds which I am beginning to snowball to get shot of them. Nationwide £0 Balance…
-
How will this affect my credit rating?
Nearly two years ago I cancelled my phone account. Although I was paying by DD, they didn't clear the balance wth the DD but referred it to a DCA. I complained and it eventually went to the Ombudsman. Their decision is that, so long as I pay the outstanding balance this month, it will be recorded on my credit file that the…
-
CCA Questions. iNFO REQUIRED ASAP
Last July I sent off my £1 and reqested RMA Resolve send me a copy of cca and statement of account. Nothing has arrived since but I had still been making monthly payments upto last month. Have I done myself any harm in not ceasing payments earlier. Today I have sent them a letter advising them I am placing the debt in…
-
DCA's - Do they *have* to prove debt?
Hi everyone! I have posted this another forum, but I feel the original thread title is misleading. I have a debt collection agency (Ruthbridge) on my girlfriend's back, chasing a debt, trying all their usual bully and scare tactics (phone calls, starting bankruptcy proceedings etc). I have read these forums and sent them…
-
My all new debt diary
Hi, i am going to put my debt diary on here to keep me motivated to be debt free by the end of this year. My snowball statement showed that i would be debt free in 29 months if i throw £250 per month at my debts, but i want to get them all cleared by the end of this year. I am claiming back my bank charges at the moment so…
-
My all new debt diary
Hi, i am going to put my debt diary on here to keep me motivated to be debt free by the end of this year. My snowball statement showed that i would be debt free in 29 months if i throw £250 per month at my debts, but i want to get them all cleared by the end of this year. I am claiming back my bank charges at the moment so…
-
I need a hug!
Well it's a while since have been in here! I used to pop in now and again a year or so ago but not been doing too badly. Although need a bit of a hug and some support, had a rubbishy last week or two, two poorly kids and a poorly me then told am being made redundant at the end of March. I'm consoling myself with the fact…
-
Use old overdraft
After some thoughts please. OH was made unemployed last Monday. We had to pay a very big bill yesterday and are now only left with £50 until i am paid on the 22nd again. It had to be paid as we couldn't justify waiting until i am paid and then getting a £10 late charge added on. £50 is not going to cover 2 weeks shopping…
-
Bank of Mum and Dad
Has that series gone forever? Are they ever going to bring it back? Much better than Spendaholics (in my opinion).....
-
Thinking of selling some of my books...
Hello Former poster and regular lurker here..... I've been eyeing up my books for a while and thinking about selling them (well some of them). I seem to have collected a lot of stuff by one author (crime fiction) and was thinking it may be useful (for space as well as cash) to sell them and use any money made to clear my…
-
statute barred
Hi I entered into a partnership some 10 years ago with 3 people who I worked with and owned a company. The company had its bank account within lloyds and so did the partnership. I worked at the company 17 years and left in 1999. I sent a letter immediately to the bank asking to be removed as signatory on the company and…
-
Compensation for Child Benefit disc loss?
I did do a quick search on MSE and couldn't find anything (famous last words :rolleyes:) but wondered if any of you read the article in the Daily Mail yesterday about claiming compensation from the Government for losing the discs containing child benefit information? It says that a company in Newcastle are selling packs…
-
21 And 6 Grand!!!
Well iv added up my debts and iv got £6071.09 worth of debt!!! This has shocked me into doing something as im only 21 and would like to buy my own house soon!!! So peeps i need some help here!!! Heres my SOA: Income: £858 Outgoings: Petrol:£160 Food:£100 Rent:£200 Car insurance £50 Debts: Natwest loan:2751.95 Natwest o/d…
-
Warning!!! Man Rant!!!!
Why is it when you think you're doing really well one month, just before pay day, your DH 'forgets' to cancel a card transaction, which the bank are 'unable to cancel' and therefore leaves you with nowt in the account until Friday!!!!! Now have to get DH to ring up company trying to take this amount (which is for a renewal…
-
21 And 6 Grand!!!
Well iv added up my debts and iv got £6071.09 worth of debt!!! This has shocked me into doing something as im only 21 and would like to buy my own house soon!!! So peeps i need some help here!!! Heres my SOA: Income: £858 Outgoings: Petrol:£160 Food:£100 Rent:£200 Car insurance £50 Debts: Natwest loan:2751.95 Natwest o/d…
-
PaP/Moozie's What will/have you spent today Monday 11th Febuary thread
:j woo hoo i get to start the thread :j Hope everyones well and has a great day. Remember if you have to spend try and 'keep it low'. Take care all and have a nice monday.
-
finally rang cccs but still scared
Finally rang CCCS they suggested a dmp i am just in the process of opening a new bank account a feel quite sad as i have been with Lloyds for many many years but most of my debts are with them so i thought it may be a good idea to swap banks now is this the right thing to do now ? When a do enter into the plan with cccs…
-
My Spending Diary
Hi all, I am determined to sort out my money situation and I think one thing that will really help is a spending diary. I am going to post it on here and any thoughts you may have about unnecessary expenditure please feel free to add. Clare
-
Light at the end of the tunnel
I am going to use this thread as my diary. I need to keep myself motivated! Basically, like a lot of people on here, I have had a rough year or so. The last few months have been particularly bad. Just before christmas my husband ended up in hospital for an op, but they found more than expected to. As a result he has had…
