Debt-free wannabe

Archives for April 2008

CCJ been put on my file
hello please help me . i had a debt sent to debt collection agency. i was not working and told them this and they agreed 20 pound a month. (amount was 255) unfortunately i still did not pay this and just kept quiet. three months later i sent a payment of 40 pounds which would mean i was only owing 1 month.. 2 days later i…
Calling all you night owls
Ok,here are the Night owls Numbers. Smashed booboo No1 ButteNo2fly lady I WILL UPDATE WHENI HAVE CAUGHT WITH NAMES ETC
DMP questions.
Im waiting for the dmp pack to come in the post from cccs. In the mean time im sending token payments of £1 to our creditors. I pay provident weekly from my tax credits, do i contact them and just pay the token payment too? If i call tax credits will they be able to give me a rough idea of whether ill still be recieving…
Debt over six years old
hi can anyone help me. my partner started paying back a debt in sept 2006 that was over six years old. she has repeatedly asked for a breakdown of the debt as it had grown by over £4000 in the six years. she just gets told on the phone that the debt has passed through a lot of dca's. because of the constant threat of court…
Legal charges on property
If a bank sells a debt to a third party should it still have a second charge on a property for that debt ? . If not how can it be removed & by whom ? Thank you
Waiting for my welcome pack !!!
hi ! I have signed up for dmp and I'm scared !!! Been reading forum for 2 hours now had to register seems I am not the only one ! I would like to say this forum seems fantastic for support and I am sure to be visiting regularly ! I am waiting for my welcome pack - then I suppose I will be getting some nasty calls !
Guarantor for dd's flat
This time last year DD signed a lease towards the end of her first year of Uni, and we agreed to be guarantors. She did not complete the year, but went back to B'ham and lived with her friends, working p/t as a waitress rather than studying. She is no longer a student and is living off p/t earnings. It has been a really…
Been On A Downer
Hi Everyone - I've been on a downer since we had welfare rights out to visit us on Monday, but come what may we need to face the music. Don't get me wrong the guy was really nice and has suggested we deal with our problems by setting up a Debt Arrangement Scheme (DAS) - mind I'm in Scotland, so that's what we're going to…
On DMP want to make overpayments help please!!
Hi Im on a DMP with churchwood and was wondering me and the OH want to start trying for a baby but i want to get our debt gone first so our plan is to start making overpayments and pay it off asap. Iwas wondering because we are with a fee paying company is it better for us to make overpayments through them or just pay it…
cccs
Hi we are thinking of doing a debt management plan with cccs but we have heard a few things apparently there was a write a bit back in the guardian newspaper about them saying that they are actually employed by the creditors and that they keep on making you put ure payments up it also was saying that they are getting…
Dramatic change of circumstance - single DFW advice?
Evening all, I was a regular on this board a while ago but haven't been on for a while. Thanks to the advice on here I paid off most of my unsecured student debt (only car loan left which is a very managable monthly bill), bought a house with my boyfriend and i thought i was on for a rosy future. And then life turns round…
CCA Request,think I've been sent my appliction?
On monday I sent a CCA request letter to network credit for a debt they are pursuing.Today I got a reply with the documents enclosed,including a copy of a bank sttement and passport,also the original application form filled in and signed by me,does this constitute a CCA?
De-stress With Bubble Wrap
Hi,I know how hard lots of us are working to pay off our debts,so why not make a nice cup off coffee,sit down and burst some bubble wrap? you will feel de-stressed and ready to tackle anyone or anything,have fun. www.therightfoot.net/mystuff/whatever/swf/bubblewrap.swf make sure you turn the sound up.It drives everyone…
I've got to get out of this place
If I have to live with my parents any longer I think I am going to explode. So here's the plan... * Get debt free. * Get a deposit. * Get a flat. I feel I need a new diary to give me some sort of focus. So, here it is. I will post up an accurate list of my debts later this evening as I always just guess and that's not much…
CCA and IVA
Have been reading a while and seems that a lot of people are requesting CCa's My question is we have recently entered into an IVA and have not yet requested any cca's. is it worth us now to request these and if not supplied in the correct timeframe be able to delete that particular debt from our IVA. Beginning to realise…
When Is Personal Debt Written Off
Help please, In 2001 I arranged for an unsecured personal loan, not long after I was in a car accident were my insurance didn't cover me for the personal injuries the other party sustained. This is were everything started going wrong I was ordered to pay £6,000 on a ccj which meant I struggled to repay the loan I had not…
whats the % saying to do with spends/save/charity?
I am sure many of you posted on the 'young people paying board' thread about the % rule. Where you pay a % of your income on board/bills, saving, spends and charity. I may be totally wrong but does anyone know it? Thanks in advance papster :D
Getting Harased By Tsb
Hi everyone im new on here at the beginning of march i went to the cab debt counselor and they did a financial statment i sent it of to all my creditors and most of them are fine, execpt the tsb they are contantly phoning me up every day even on sundays when i have family visitng i have sent another financial statment to…
credit cards
can anyone advise me on what to do with 2 card debts totalling 20000. how easy is it to freeze interest
Interest on Debt over £5K ?
Hi peeps - Hope you can give some answers to a couple of questions - to calm my nerves as Mrs BHB as just had a county court claim land on the doorstep for a small amount and I have quite a large debt myself . We are fine about the consequences of this particular action and probable result but I am personally worried about…

★ ★ ★ Meet your Ambassadors

MSE News

Octopus Energy buys Shell Energy UK – here's what you need to know
Octopus Energy has agreed a deal to buy Shell Energy which, if approved, will see Shell’s 1.4 million energy customers and 500,000 broadband customers moved to Octopus.
Have yourself a MoneySaving Christmas… starting with the best way to bag a cheap, sustainable Christmas jumper from only £3
Jumpers are for life, not just for Christmas, but most of us only wear our most garish festive get-up for one or two days a year, and then feel pressure to buy a new one the following year. That's neither sustainable nor MoneySaving, so what can we do about it? I have a few ideas...
More Than to stop selling car insurance policies – here's what it means for your cover
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
New scam ad protection measures to be introduced by Facebook, Google and more – changes Martin Lewis has long called for
New scam ad protection measures, such as two-click reporting and verification for advertisers, are to be introduced by major tech firms, including Amazon, Facebook and more.
Bank of Scotland, Halifax and Lloyds to close 276 branches in 2023/24 – here's the full list, plus alternatives
Bank of Scotland, Halifax and Lloyds, which are all part of the Lloyds Banking Group, will shut at least 276 of their bank branches in 2023 and 2024 after Lloyds announced a further 45 closures today (Wednesday 29 November).
'Unpredictable' broadband and mobile price hikes should be banned, say Which? and Citizens Advice
Broadband and mobile firms should be banned from hitting their customers with unpredictable mid-contract price hikes, consumer group Which? and charity Citizens Advice have said.
Martin Lewis: Do you have a Power of Attorney? It’s crucial protection – not just for the elderly – and more important than a will
Do you have a Power of Attorney? MoneySavingExpert.com founder Martin Lewis explains how this crucial protection works, why it's more important than a will, and how to get one in the latest episode of ITV's The Martin Lewis Money Show Live.
Second cost of living payment paid to millions – here's who qualifies and what to do if you haven't got yours
More than eight million households on certain benefits and Tax Credits have now received the second third of their £900 cost of living payment.

View All

Debt-free wannabe

Discussion List