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For One Night Only !!!! Saturday night ebay listing challenge !!!
Pania and I are going to have an ebay listing session tonight if anyone wants to join us !!! No particular rules, just list as many bits as you can tonight while watching tv / enjoying the toga party / avoiding the ironing / whatever else you are up to tonight :rolleyes: :D I have done 2 items so far ... its soooo dull but…
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Sat Night Toga Party! Grab a sheet!!!
:money: :money: :money: :money: :money: :rotfl: :T :A :cool: :mad: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: Toga Toga TOGA TOGA TOGA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I'm up for getting drunk-has been a helluva week...Anyone want to join the fun??:p (and does anyone know how to post a picture…
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CCA request & fee applied to disputed account
Hi Guys I have requested a CCA from Link financial re a debt they have purchased from Abbey. Its psrtly for an O/D so i know there are issues around whether or not the CCA covers O/D's. They have responded saying they are asking Abbey for the info and this amy take 30 days. happy to deal with that issue as they hace 12 + 2…
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Is being in debt making me ill?
I cant help feeling depressed. I though 2008 would be a baetter year for us. But it keeps getting worse. We get invited out loads but I keep cancelling as I dont feel in the mood. Our marriage is very rocky at moment (only been married for 3 years this August). DH and are always arguing, havent had sex in 2 mths, and just…
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Help...I think im sinking!!??
I feel as if im sinking, my beautiful wife is having our child next month and i'm desperate to sort out finances My SOA per month Mortgage £102000 £ 900 (with n rock std rate) C tax £200 Car insurances £58.95 Home Insurance £39.10 Cat Insurance £5.99+£7.99 Virgin phone B/B £47.84 Sky digital £22.5 Car loan £135.52…
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Aaaaarrrggghhhhh ... I'm slipping ....
I can feel myself slipping off the wagon and I really need to jump back on .... I got my mobile phone bill today and I seem to have gone absolutely crazy with texting this month and have spent over £60 on texting! That is on top of my free 400 texts a month! Yikes! So now my total mobile bill is £106.98 :mad: :o :eek:…
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Things to do to avoid spending
Any suggestions to someone who is trying to avoid the shops to save money (I am allowing myself basic stuff - food etc, but no clothes/magazines etc) on what else to do? I am in the library now so I can spend time on the Internet for free and get free books to loan. Got a trip to a museum (free) and art gallery (free…
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What should I do about this?
I own Lloyds TSB £990.83 for an overdraft that at the time I didnt pay off, mainly for medical reasons They closed my account, and then Moorcroft Debt recovery wrote to me asking for the full amount or they would be sending the bailiffs around. I wrote to them at the time enclosing a financial statement and a letter saying…
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Help - cant see the light yet....
Hi group, Well this appears to be the place to come and get help and support so here I go.... debtor outstanding balance monthly premium lloyds TSB £8,317.99 £262 lloyds TSB cc £9,711.33 £196 Northern rock 18199.77 £210 student loans 4500 £130 Egg card 6408.64 £131 Morgan stanley 6673.71 £135 Barclays credit card £8,113.58…
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Help! I need £300 by Monday!!
My car just failed its MOT and I had to leave my car at the gargage to be fixed. The bill (estimated!) is just under £300. I thought of selling my body, but how will I make the other £299.50?? :confused:
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What should we do about our car??
Hi everyone - I really need some advice. We have a car which was brand new 18 months ago. We want to change it because the monthly repayments are crippling, but it is worth less than we owe on it - the finance is with Honda. We have to get our monthly outgoings down but as we are so tight for cash now I don;t think we…
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Have we any hope at all?
Hi, really hope someone can give us some idea as to how to deal with a debt we have. In 1998 we took out a £2100 loan for windows, shortly after I became ill with depression and anxiety and lost my job. We have paid bits and pieces toward this debt on and off and have paid off about £900 in total. We moved up to Scotland…
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What are the chances of that happening?
Hi, I wonder if anyone has a bit of insider info; I am currently on a fixed rate mortgage with Northern Rock which ends in May. I need to re negotiate soon, but I have a poor credit rating due to the amount of credit I have. I have never missed a mortgage of loan payment (the products I have with Northern Rock) so I was…
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Credit File Request Confusion
Hi everyone, This is my first post so I apologise if it's not in the right place or has been answered before (I did look but couldn't find :confused: ). I recently requested my credit files from Experian, Equifax and CallCredit by post. I am still waiting for the file from Callcredit. but I am very confused by the files…
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Help required
we have recieved the following letter from 1st credit, its slightly different from the usual ones, in that it actually claims they will be trying to force us to sell our house. I have been in debt for 8 years now through divorce and then an accident that left me disabled, through grants our house has been adapted for…
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Nationwide Court Action
Can anyone give me advice please - Had an outstanding loan from Nationwide for £12K - I was paying it as part of my DMP until last year when they said no and took me to court. I asked for court hearing to be moved to local area and the hearing was last month. I wasn't able to attend due to work commitment but wrote a long…
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IVA to DMP?
Can it be done? My husband and I have been in an IVA since June last year and my husband is hopefully going to be getting a new job soon which will bring in around an extra £700 p/m. If the IVA took it all we would not finish any earlier because are debts are quite high and we can not afford much on our current income. The…
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THANK U all 4 everything. Plus need extra advice pls!
Firstly I'd like to thank everyone on here for helping me out with all the difficulties that I've experienced of late. Financially i was truly struggling to keep my head above water and could not see a way out at all. So much so, that even when i posted my SOA i was doubtful that anyone would be in a position to offer any…
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Car insurance - £73 = charge for credit??
i've just renewed my car ins. i've got a newer car and the premium is £595. I opted to pay over 12mths. Now, i've received a copy of a consumer credit agreement that they want me to sign and it say's Total charge for credit is £73.22. now i've had insurance over the years and never noticed the premium included a charge for…
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Saturday 09/02/08 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…
