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DFW Daily chat Thread Saturday 9 Feb
Morning all, bright and sunny here. What is everyone up to? I need to start work soon although I could do with doing some housework :rolleyes:
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Help Letter from AIC
Can anyone give me some advice, today I recived a letter from AIC debt collection regarding american express. I have an outstanding balance of £2600. I have tried to offer a min payment of £30 per month. But this was not enough and they have now passed this off to AIC. I called them this morning and they were so so nasty.…
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Debt consolidation calculator
I came across this online tool to help compare a consolidation loan with individual debts, and I wondered if anyone would find it useful. http://www.thesalarycalculator.co.uk/debt.php
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wage slips(self employed)
hi there sorry if this is in the wrong place but i wasnt sure were to post,my partner has been given finance to get a car,the problem i am facing is proof of income can he still use wage slips even though he is self employed,his wage is in cash and sometimes it is not banked as bills need to be paid ect ect,so bank…
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Help plz
Hi Guy's, I need some advice. :) I have a house valued at £117,500 and I am due to re-mortgage. My current balance on the mortgage is £90,000 and I have a personnal loan of £17,000 as well. Now my question is should I re-mortgage for £107,000 which will clear all debt other than the mortgage :) or keep the loan going for…
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Pap & Moozies what have/will you spend Sat 9th February???
Morning everyone Hoping for a NSD as only going to the gym later. Keep it low and good luck
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Advice on Student Loan Catch 22
I started work at a Collage in 2003. The following year I was on a .5 contract and I was requested to do the PGCE teacher training. I had my doubts about the course from the very beginning, and after airing my concerns I was forced to undertake the course. I was reassured at the time that the course would be mandatory and…
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Don't know what to do
Hi, I have been lurking on these boards for a while now but have never posted anything. I am a second year physics student, and during my first year I amassed around £15,000 worth of debt on credit cards and overdrafts mainly through gambling. I have managed to just about stay afloat in the past but I am now really…
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Save it or pay it straight off?
Hello :D I'm not sure what to do in regards to paying my debt. Should I pay it off in bits as and when I get the money, or should I save it up in an account then pay off the whole debt in one go? Whats best? I am not getting charged interest on any of my debts.
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Help with a couple of loans needed please
After a couple of moments of madness, midlife crisis or whatever, we have got ourselves into rather a large amount of debt. The two loans are from The Black Horse Finance Company. Loan number 1. We borrowed £16,990.00 1 Repayment of £208.06 118 Repayments of £208.06 1 Repayments of £288 Apr 10.2 Interest 9.46% per anum The…
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What a bunch of w***ers!!
GRRRRRRRRR!!!! :mad: My husband recieved a letter this morning from a debt collector, asking him to call the number straight away to pay the £4,990 he owed. Well, we were a bit baffled to be honest as there was no explanation as to what the debt was for, so he called the number to be told he owed Yes Car Credit the amount…
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Any HSBC/token payment advice & update
Hi Was wondering if anyone had any words of advice. After contacting the CCCS in december & discovering our income only just matched our expenditure we were advised to ofer token payments for the minute and duly sent off letters/i&e & £1 cheques. From the start HSBC have wanted to do battle! They point blank refused to…
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March 2009
OMG. I've just taken on some permanent extra hours at work. I've worked out that if I keep to my current budget and pay all the extra off my debts, I could be debt free in March 2009. That's just over a year. OMG.
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ivehadenough: We are concerned about you
starting new thread to raise profile of the original post - ivehadenough http://forums.moneysavingexpert.com/showthread.html?t=724783
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Debt Management Plan: the right thing?
Hello all... First time I've posted on here so hello everyone and thanks in advance for reading this. I am 17.5k in debt. I have the best, and yet worst job in the world. I am Cabin Crew with a monthly income which fluctuates a lot. I've faced my problems and am just about to start a debt management plan. Here is my…
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Lloyds TSB - 2 steps forward, 10 steps back!
My husband has been on a debt management plan with CCCS now for 2 years and has had the gradual increase in payments to creditors as he has had wage rises and also as creditors have been paid off. However in all this time the only company he has had problems with is Lloyds TSB. In the past two months they have added £400…
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Bankruptcy
Hi, i am looking for people who can give advice on bankruptcy , i am a little scared. Julie:eek:
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Friday night parteeeee... Dressy up time!!
Come as your favourite superhero/superheroine... I'm just one half of your favourite dynamic duo...
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Update from me...
Hello friends :) It struck me today that it was over a year since I joined the site, and took a little bit of control. It also struck me just how relaxed I'd got with my situation (a good thing) but also how my pursestrings are loosening (a bad bad thing :( ) So Im here, to remotivate myself and hopefully encourage any new…
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Need Help!
I am currently about 6000 in debt and am struggling with it. I do however have a secured growth accoount worth 30240, this account mattures in 2010, and if i withdraw early i will take about 26000. i am desperate to pay off my debts but have a poor credit score and so cant raise a loan or cc. any ideas on how to invest the…
