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I'm new. I need advice please! We just don't know the best way out!
Hi Everyone! Right this is a long one but I need to start at the very beginning. My partner is self employed (so not got a 'regular income' varies hugely) and has a son from a previous relationship who he currently pays £200 per month maintenance (direct to his ex not through CSA). Our problems started in January 2005. I…
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My House May Be Repossessed Soon
Hi, I haven't paid the mortgage in full for the last 2 months; just what I could afford, which wasn't much, so it's now in arrears. I'm also in arrears on various credit cards. My total debt is ~£400k, and the value of my home £550k, and I'm over 50, as is my partner. Our joint income is now ~£25k. It is a family home, and…
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Debt curse
Hi new here was just wondering how use all cope with you debts. Think I have reached the end of the line nowhere else to go and my bank has just taken my bank cards (for my own good) and cancelled my overdraft. Have debts of £35000 that the CAB are dealing with at the moment but my day to day living is getting harder and…
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So happy with myself
:T Finally a cheery post from me. Ive been working loads of overtime at work and just got paid today. Im so happy its been tiring but bloody worth it. WE can now pay our RED electric bill and our 2 RED credit card bills too. Off on holiday to CEntre Parcs next week (birthday treat from parents, Im turning 30 on Sunday…
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CCA - moral implications
I am in the process of setting my DMP with the CCCS. After reading the many emails on this forum (thank you all) i am thinking about asking for my CCA's of my debtors! Now, maybe I am just being weak but I know I ran up that debt myself and have no problems in paying them back while they except my payment amounts. What I…
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Negotiating A "Realistic Repayment" Advice Needed
I have received a letter today in relation to an outstanding credit card debt I have. The letter states that I should contact them to make a "realistic offer of repayment" but I'm not sure exactly how much that would be so I am looking for any advice as to what a reasonable repayment fee would be and also for any…
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Hello & thank you to all DFW's
Well, after skulking around for the last few weeks I've finally plucked up the courage to 'come out' as a DFW. My lightbulb has been flickering for a couple of years but finally 'full beamed' just after Christmas. I dont want to bore everyone with all the gory details - unless you insist - but basically through a…
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Just been told I'm losing my job!!!
Was told 'unofficially' on Tuesday that the company I work for are folding and that I will be out of a job. I am a graphic designer, earning £25k. Finding a job in the industry is really competitive and quite difficult and a long drawn out process. I have been given no info as to how long I have left, or how long I am…
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Catalogue charges????
Hi, I have an account with Littlewoods which i am paying off slowly but surely, i asked them previously to take the Extra care insurance off of my account and they have never done so. I would also like them to take all the administration charges off of my account as they go on every month and i am on benefits and…
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Mha
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OU students? Could someone clarify this for me?
About to start a You and Your money course with the OU. This morning I recieved a letter saying we'd been accepted onto the personal computer and internet grant scheme.... this is the jist of what the letter says. Does that mean we'll be getting £390 plus another £250? Or just £390 for thew computer? Do we have to buy a…
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Newbie in need of advice please
Hi I'm wondering if anyone can help. I have a credit card with HSBC at 17.9apr and a personal loan with Household Bank (owned by HSBC). I was offered a bit of a consolidation type loan to get rid of my credit card debt and add to my existing loan. Which I took up 2 weeks ago, but having received my credit card bill…
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Getting CCJ's satisfied???? Pease Help?
:confused: I hope someone can help me, I am desperatley trying to clear my debts, I have finally managed to clear my credit card (1 doem 5 to go!) and I am aware that the CCJ will stay on my record for 6 years, but I have been told that I have to apply to have a 'Satisfied' mark put against it otherwise it still shows as…
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A great big thank you!
I just wanted to say a massive thank you to all the DFWs...cos as of 9:05 on 25/04/08, I am debt free! :j I have just paid the last account off, and it's a wonderful feeling! It's been a long hard slog, and took a year longer than I planned, however the day has finally arrived. Thanks also to me ma and pa ;) So now I shall…
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Daily Chat 25th April
Seems like ages since I started off a daily chat thread! lol! But seeing as noone else had I thought I'd get the ball rolling. :D Anyone doing anything nice today? I'm off out on the town tonight which'll be good fun as we're getting dressed up.. I'm a saucy secretary.... having seen a pic of me in my outfit it should be…
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Friday 25/04/08 What small dfw things 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…
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Pap/Moozies What have/will you spend Friday 25th April ??
Good morning all dfw's Hope we are all well and ready for the weekend. Remember if you have to spend keep it low :j I am having a day off today and my wiifit has just been delivered so a day in for me having some well earned fun :D :j
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Mobile phone comapny getting heavy
Hi, first post so apologies if its in the wrong place. I'm currently in dispute with a mobile phone company over charges they have added to my account that I believe were added in error. Several letters have gone back and forward, although it would seem the company are unwilling to try and help and have basically washed…
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CCA's what is the desired outcome?
I'm in the process of requesting CCA's from 3 firms(maybe 4?)I understand the 12+a month bit of it,but what is the desired final outcome of the situation,is it the debt being cancelled,buying some time,reduced payments???Really not sure what to expect?
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My house of cards has come crashing down
Oh Gawd - where to begin. As you know we have a mountain of debt and until tonight hubby was unaware of the scale of things. For some reason, he decided that he wanted to go through everything financial and now that he has done he is absolutely furious and shocked at the amount that we owe. He's gone to bed and I know he's…
