We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Debt-free wannabe

Archives for April 2008

credit card debts
can any one advise me on what to do with 2 cards that total 20000. cant afford the payments. how easy is it to freeze interest?
Help needed PLEASE....
Hello, I need some advice on a situation i am in at the moment, here's the story..... At the moment i live in my parents house, i bought the house and am paying the morgage....its not in their name now. Thr problem is this..... My brother got my parents to get him loans and use their credit cards to pay for things and now…
Please help! 1st Credit refused every payment offer.....
Hi All, I'm new to this forum but i've been reading the threads and i say well done and thanks to you wonderful guys for the great advice on this forum. I would like some advice regarding how to deal with 1st Credit who have turned down every payment offer and have threatened to take me to court and put a charge on my…
Eeeeek - help needed!
Hi guys I have two bank charges due out in May with Bank of Scotland - not got the £70 to pay for them and sent an email to their online help desk pleading poverty. They have asked mt to call the customer services to investigate the charges being stopped - what is the likliness from your past experiences?? And also if they…
Full And Final Settlement Query?
I had requested a full and final setellement from MBNA for a £3k credit card. They sent a letter saying: Further to our recent communication, I can confirm that a payment of £1500 will be accepted in settlement of the above account. Once payment is received and cleared onto the account, MBNA will register a partal…
Final charging order on jointly owned property
My partner has received a letter stating that a final charging order is to be placed on our property. Can they do this? We aren't married but have been living together for 4 years. The debt that this relates to was an unsecured loan which he thought was paid in 1998 (we have no proof as it was paid by dd from his old bank…
Overdraft - repayable on demand! Help!
Hi guys, I have an overdraft with Barclays for an account which I no longer use because it was getting out of hand so I switched to another account - I think this has made it worse because now my account is 'permanently overdrawn' they have demanded I pay it back immediately - thats £1800 I need to magic out of thin air! I…
DCA Advice Please
Hi all, I have been reading the many DCA posts with interests and have some questions that I hope may be answered. 3 of my debts were transferred to DCAs. To be honest, I have never had a problem speaking to the guys. Maybe I'm lucky, but all of the staff that I have spoken to at the DCAs have been very polite and helpful.…
Positive thinking for May - what are you goin to do...?!?!
As most people will be getting paid this week i thought it would be a good idea to list what we aim to do to help clear our debts for the month of May (almost half way through the year already :eek: ) This can vary from making at least half of the £10 a day challenge over paying credit cards/loans/other debt by a certain…
Credit Card Charges on house
I'm in debt to 10 credit card companies. How come 2 of them were able to put charges on our property? The others simply accepted a Debt Management Program where I worked out what I could afford to pay each month and pay each proportionately based on how much I owe. Can charges be removed? I’m hoping to Sell to Rent before…
Urgent Help
I got paid by cheque yesterday (not good and i wasnt advised this was going to happen), and £180 worth of DDs go out tomorrow. My bank wont help me (they have just told me that!). Should i just cancel the DDs (if they go out they will get returned and i will get charged £25 per DD) or should i ask work if i can have £180…
Waiting for Smashed
Hi, my first post on here. Advised by Smashedbooboo. She is going to have a chat with me about my debt situation when she gets home from her course. And she says Hi peeps.
pending eviction-please help
hi-bit of a long story really but basically-we got into arrears with our lender due to family illness over last 2 years(both mum and son were critically ill and i lost earnings).we had taken a loan out with a sub-prime lender-BIG MISTAKE but... we also got behind with council tax and had a huge car bill end of last year…
Weird phone calls
Firstly let me lay out some background info, this maybe a bit long and confusing so please bare with me. Just over 2 years ago we bought a second house and rented out our original one. When we moved we took our phone number with us. Our rented house now has tenants that have been there 2 years. They arranged for a new…
possible csa payments?? help please!!
i've just received an unexpected windfall! two cheques in the post for nearly a grand each. there's no letter enclosed and when i googled the address on the rear of the envelope, apparently it's a postal centre for many organisations...including the csa. i spoke to my ex who informed me that he recently paid a big amount…
CCj and Bailliffs
I just wanted to check something. I have an outstanding CCJ, they have sent the bailiffs round and I have had a letter saying that a locksmith and van will come and force entry to remove my property. I thought they had to gain peaceful entry (they have not been in and I haven't signed anything). Also there is no bailliff…
Credit Report - what to do?
Well i got my credit report a few months ago (more like 6 odd!) and so i have a couple of questions. 1) Should i bother to get it again just now, as i know it will be awful, and not a great deal has changed? When do you recommend i get one if not now? 2) On one of the addresses i put in (my address i lived with my mum at)…
Unexpected windfall - clearing debts help please!
I was recently made redundant and got a redundancy payout of about £2200. I have debts as follows: Credit card 1 (no interest for the next 4 months, I think) with Natwest £670 Egg (16%) £511 Post Office (14% I think) £700 I also have two loans of £5k (now reduced to £3k) and £9k (now reduced to £6,500). A friend lent me…
Experian have sold my phone number to a load of debt consolidation parasites
A while ago i took advantage of the free offer Experian credit reference agency had to view my credit rating. Though i've cancelled the subscription, i still get emails from them. Now, as i mentioned on another thread i was looking into transferring a credit card debti hae onto a loan as i am currently only able to make…
Letter from a debt collection agency
.......................................................................................................................

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

View All

Debt-free wannabe

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Debt-free wannabe

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free