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When will you next change your car ?
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Overseas credit card debt
Hello there, I moved to Denmark last August and have one remaining debt in England with Tesco credit card. I have been making the monthly minimum repayments (it is currently interest free) and had assumed that I would be able to pay off the balance. Unfortunately due to the high cost of living in Denmark and delightful…
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Pap/Moozie's what have/will you spend today Wednesday April 30th?
morning all:hello: should be a nsd here:rolleyes: hope you all have a wickedly (wet) wednesday :)
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Off to fight Abbey again
Wish me luck. I want to pay the account off an shut it down but so far they keep refusing to deal with it and adding charges at £65 a time. I refuse to pay the charges when their refusal to talk to me cause the problem in the first place.
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secured loan
hiya all, dont no if this needs to be in this sec but here goes. WE have a mortgage of abouts 84k one personal loan for 8k at £391 per month credit card for £200 and a overdraft for £350 We are wanting to to get a sercured loan to pay off personal loan, c card and od. But im abit worried that it will affect us when we come…
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He hates me
Just thought I would give everyone an update post debt relevation. He hates me. Can't put it any other way. He's barely spoken to me since Sunday and to be honest I would rather he was ranting all the time - at least that way we would be communicating (yes I spot the irony in that one). The worst thing about it is that we…
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Ive Been Knocked Right Back Down :(
:cry: :cry: :cry: :cry: :cry: I have been posting over the last few days and have been so positive that we can make do untill we at least sell the house. Then pay off whatever huge debt is left once we are living with parents. Woke up this morning to hubby saying that we only have £150 left once the mortgage comes out on…
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Wednesday 30/04/08 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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Daily Chat Thread 30/04/08
Morning all *yawns* Just about to get ready for work - was so hard to get out of bed this morning. On a good note - its payday yeay! Hope everyone has a great Wednesday and I'll see you all later x x x
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Please Help
Hi People, I'm looking for some advise and to be pointed in the right direction. I have been suffering for the last two year with depression, anxiety and for a time paranoia. During this time (which mostly i can't remember) I bought things for the sake of buying, I was even buying clothes in random sizes and then just…
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Erm, Hullo Again!
Dear Lovely DFWs, I used to frequent this board a while back, and the support, feedback and advice was brilliant. I felt better about myself and the state I'd got myself into, did some practical things (yay for reclaiming unfair bank charges!), started really chipping away at my expenditure and debts. Then I whizzed off to…
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IVA or not?
I'm really not sure what to do? I've had some advice and been given 3 options to clear my debts. £47k debt and I earn £20k a year, no assets. 3 options are; 1. 'muddle through' 2. BR 3. IVA I would really like some advice about what to do? Thank you :rotfl:
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Newbie - advice needed
Hi I’ve decided after the last week or so to pluck up the courage to post my SOA!!!!! Scary or what !! I’ve made a few changes over the last couple of months but realise that things are not looking too healthy at the moment and I want to try and sort them out before they get any worse. I’m employed with a full time…
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debtmatters sold!!
hi my boyfriend has had an iva with debtmatters for about a year and we were doing just fine with it, but now they have been taken over by grant thorndon and they have phoned him and said they dont do ivas-then the other day they sent a letter saying that they were meeting up with his creditors to come to a new agreement,…
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Debt over 6 years old?
Can any one please help me - I have finally decided to get my finances in order and have been dealing with a number of debt collection agencies - I have been paying them but another one has come out of the woodwork - I was set up with a company that was paying my debts off monthly but due to circumstances i defaulted on…
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Credit rating affects of Defaults
I know that they stay on your account for 6 years,but do they become less "visable" for want of a better word after a year or two?Same with CCJ's?
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previous bank acc/credit cards/loans
Could somebody please tell me how i find out all previous bank accounts, credit cards and loans i have had as all my paperwork has been lost?
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What APR can i expect to pay with a debt recovery agency?
Hi everyone, I currently have a loan with welcome finance which is 55% APR and a credit card with mint that is now 30% APR. I am behind on both of them and have impending default notices if i fail to make the next payments. I just wondered if letting a debt recovery agency could actually be a blessing in disguise? Granted…
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are you obsessed
is it just me or are all of you obsessed with saving money for over payments. hubby thinks im obsessed cause id rather stay in and save money than go out and spend it. im trying to save £40 a week for over payments so when hes home at weekend(he works away all week) he wants to spend money and i dont want to which results…
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Choose to refuse does not work on 08xx numbers?
Hi, We just phoned up BT Nuisance Calls line and asked about their "Choose to Refuse Service". This has been recommended by people on this board and in other articles. BT just told us the service does not work on 08xx numbers. It only works on landline numbers. Does anyone here have the choose to refuse service? Does it…
