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Please help im a little dense!
Have reposted this over here coz im not sure it was in the right place. Posted previously regarding my personal loan insurance but after reading another post regarding Lloyds tsb loans im a little confused and concerned. I took out a loan last October with them over 7 years. I pay a total of £475 per month of which £103 is…
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Anyone on DMP who has had interest and charges put back on by Halifax
Do you think you may have PPI or charges to reclaim? If so send a letter now! I decided to get my statements and apply for a refund from halifax as even though I'm on a DMP with CCCS they put interest and charges back on about 3 months ago. really unhelpful on the phone saying DMP only temporary so tough luck. anyway…
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Anyone got debts with Lloyds tsb
I have asked this question in another one of my posts but it seems to be getting lost unanswered and i am desprate for advice . Does anyone have debts with Lloyds tsb loans mainly and they have allowed you to make reduced payments ?
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Living on your own.....
....as some of you may know, I've recently become single again and will soon have to look for somewhere to live. I've no idea how much it really costs to live on your own, since I've always house shared. Can anyone shed some light on this? I've a feeling I'm not going to manage it......
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do i pay??????? pls help
i asked in an earlier thread but cant find it to bump it up and noone answered anyway but, please could someone advice me;-i offered studio cards £1 month to pay off my £790 or so account with them - they cannot produce a signed cca and after lots of toing and froing they wrote to say i could pay £1 a month by 4th feb…
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Experian
If I've posted this on the wrong board then I apologise in advance. I had a default on my Experian report for 6 years defaulted in 2001 it has now gone in 2007 but it has just appeared back on my Experian report saying i defaulted in 2006 with no company name next to it can they do this as i'm still paying it off monthly?
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Celebrating the good things about being a DFW..
It's been a long hard Jan and I thought it would be good to have a bit of positive thinking amongst the doom and gloom of debt busting! I know debt busting is hard, esp for those of us who will be around for years!! but there are good things to come from it & I thought it would be nice to remind ourselfves & each other…
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Pap & Moozies what have/will you spend Sun 10th February???
Gooooooooooooood Morning Well it is a lovely sunny Sunday here which is lucky as I am due to have a tennis match soon. Hoping for a nsd as I will be too busy chasing tennis balls. hope everyone has a great day:D
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advice on cccs and the way to go
I will try to put together a SOA tomorrow i am thinking about going to cccs for help with my debts but know little about it only bits what i have read on here .The worrying thing is more than half of my debts are with lloyds tsb and i have just been reading they are really unhelpful when people ask for reduced payments so…
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Help! Wedding present on a budget...
http://forums.moneysavingexpert.com/showthread.html?p=8542139#post8542139 Just posted this on the Special Occasions board, but wondered if anyone here can help? Sarah x
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My updated SOA - I'd love some advice please
Hi everyone, I posted an SOA last spring but wanted to post an updated one as I’ve just remortgaged and my mortgage is rising by an extra £50 a month. I’m well aware that this isn’t a lot compared to some but it’s a lot for me as I never seem to have any disposable income left and I’m only paying the minimum amount back on…
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Old Style Board - what is this?
I keep seeing people refer to the Old Style Board when advising people on how to cut down their food bills. Where can I find it? I have looked and looked but can't see it :confused: Sorry for posting it on this board but this is where I see people mention it!
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Facing up to the problem
Help, i need some advice as to how to turn my debt ridden life around! Basically, i moved out of home, into rented accomodation 5 years ago, this was the biggest mistake of my life, and after a year, i moved back home. Hated the experience, and also gained some debt in loans. Since then i've been building up debt, but im…
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One step forward, two back ... (a moan)
Sorry I am feeling very miserable and fed up at the moment. I feel so fed up of having my life on hold for so many years. We have no money at all. Every penny of our disposable income goes on to the credit cards. I dread the day before payday when my account is transfered to the credit card only to be refilled with money I…
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A thought - Statute Limitations and Student Loans
I dont know why this just popped into my head, but its got me wondering. On the current system of student loans, you only pay if you earn over 15K a year. Assuming that you earned less than that for 6 or seven years after graduating and had no form of contatc with them, where would you stand with regards to Statute…
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A note to fellow debt free wannabe's!
Just been reading through some of these threads and as a fellow person in debt I thought i would mention that debt free can be achieved! I owed £20k when i was 22 and really had a tough time. I remember thinking I would be OK because I was coping fine paying back minimum payments and still had money to play with. The…
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Debt and Tears, Plz help!!!
Hello everyone, I'm new here and have been slowly making my way around the site. I didn't know where to start so though it best to read a few posts first to get the general idea around here. So here goes! Please bear with me :) SOA (monthly): My Monthly wage :£1009.00 Partners: £1200.00 Debts: Bank Loan: £224.00 (balance…
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Debt and Tears, Plz help!!!
Hello everyone, I'm new here and have been slowly making my way around the site. I didn't know where to start so though it best to read a few posts first to get the general idea around here. So here goes! Please bear with me :) SOA (monthly): My Monthly wage :£1009.00 Partners: £1200.00 Debts: Bank Loan: £224.00 (balance…
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moozies/paps weekly ~ w/c 10th feb 2008
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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help can u advise
Hi need advice on what i can do I have a deafult registered on my credit file from 02. I have contacted 02 and received a letter advising that i do not owe them any money and was not late with payments. I have asked them to correct this and remove from my credit file but they keep advising it is equifax that needs to do…
