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Is the tide turning?
Things have been pretty rubbish recently. Had very little temping for ages :( so no money coming in. Been going to a couple of interviews but getting no where. Discovered on Sunday that our bedroom is soooo damp that when we moved the mattress is was like somone has poured compost/ink/composty water all over the bed. We…
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Is it wrong????
Hi All, Just wanting help on a morale/financial issue. Is it wrong to buy something knowing full well that you could sell it for more on an auction site? Just wanting some opinions. Thanks:confused:
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Which Debts To Pay Spare Money To?
Hi Everyone, I hope this is the right board for this question but basically I've been trying to sort out my mum's debts for a few years now. I've finally got it to a point where from here on in she will have some spare cash to put towards paying off debts and I'm trying to work out what to do with it. From this month she…
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advice on a loan for a newbie!
Hello Guys, hope you can help. I have a loan for 7800, APR 11.3%. The term is for 5 years (started june 06) and I have 6896 left to pay on it. Do you guys have any advice on paying this off sooner without paying more interest. I can afford the monthly repayments at the minute, I'd just prefer to get it outta the way asap,…
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Round Two with debt collectors
Last year my OH had a couple of months of hassle from Capquest regarding an old debt with Natwest for £1,200. The debt was NOT his, but something his ex-girlfriend had taken out fraudulently in their joint names, and the statements showed she was using long after they split up too. Anyway - thanks to the helpful precedents…
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Advice on possible fraud happening where I live
Hi - I wasn't sure where to post this but as I am trying to get debt free I figured this might be a start. I live in one of 4 rented flats in a house conversion, all the flats are rented out. I have noticed over the past month mail arriving for a business suing the house number - not with any flat numbers - as the…
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Help needed with Allied International Credit regarding bank charges
Hi Everyone I need some help with a problem i have with AIC (Allied International Credit) debt collecting agency. Here's the story I am currently trying to claim back bank charges from natwest, the charges come to £4600, but the total debt comes to £7000. recently i have been called by AIC demanding i pay the full £7000 to…
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Is this true??
I have been told that if a creditor reveals information about a debt you have with them to a third party without your permission, this makes the debt null and void. Is this true? Would this apply to creditors passing debts on to dcas?
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does checking your on credit rating effect it??
This may be a really stupid question but..I have paid for my credit report online and have looked at it several times today. It has just dawned on me that this may affect my score..would it??
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quick one! would the agreement for ppi be on the credit card application??
hi all having real trouble with egg at the moment ( see all my posts!!!) just located my credit card agreement online, and there is no mention of ppi which i have been paying. all there is, is a box saying this a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its…
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Life after bankruptcy
Hello I went Bankrupt last year and have a few questions regarding how it effects my life post bankruptcy. Basically I have been bankrupt for around 6 months now (well tomorrow) and in this time my father passed away and has left me around £21K. The money was left through a system that means that it is given to me as a…
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Strange one- debt from a lease car
This maybe a bit of a tricky one.. so hoping someone can help When i was 20 I had a good job and new to credit and made a right mess of things. which I'm pleased to say I have been paying through payplan and have managed to pay from 20k down to 11k I have settled a few things early by saving and working hard. One of the…
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ok
well i saw rjdc73 ( i hope thats right) soa and decided to have a wee go with mine as well ...lol it is quite funny Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1165 Partners monthly income after tax....... 1775 Benefits................................ 0…
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Thursday 17th April, what dfw things will you do 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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Welcome to DFW RJC73!!!! :D
Hi!!! Now you have to post your SOA - no option lol!!! :D Chat to you later Sea xxxxxx
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CAB or Solicitor?
Well I split from my boyfriend of almost 4 years last June, and stupidly, i took a lot of credit for both of us, but in my own name! Since then I've payed about £4500 out to these creditors etc, but I've still got more i have to pay, must be approx £2500, and i'm Unemployed. I am wondering if i see a solicitor, is there a…
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IVA Help
A previous partner took out a loan of £26 000 to pay off her credit cards etc. in 2004. I have noticed on my credit reference file from Experian that this is shown as a joint account. I believe that I may have unwittingly signed the proposal form for this loan without knowing the full implications (i.e. I thought I was…
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Pap/Moozies what have/will you spend Thursday 17th April??
Good afternoon everyone:D Hope this is not a duplicate. Hopefully just a paper today for free dvd, may buy a few food bits out of food budget & pay £315 savings into the building society:T Bit annoyed as just broke the door handle off of the tumble drier, not that I use it, only emergencies & my daughters coat that needs…
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Newbie
Hello, I am a newbie to the forum and looking for a wee bit of advice. I have decided to try and get my finances under control and am totally shocked to see how far into debt I've slipped :( Anyway, I've looked into DMPs but have decided to give it a go myself rather than pay someone else. I have prepared my…
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So scared of losing everything
Hi, I'm new-ish to this board but been reading through some of the forums. I have an appointment with the CCCS tonight to hopefully look at a debt managemet plan- I wanted to know will this affect my mortgage in any way? Bought flat in Jan 08, thought relationship would last but didnt,now find that I cant afford to do…
