Debt-free wannabe

Discussion List

• Back on the straight and narrow...and a new challenge!

  Hi all :hello: I haven't posted on here for months but have dropped in occasionally. Things have been ticking over with the DFW quest but not as fast as I had hoped. Debt when I signed up was over £28K - now it is down to £18K but it has taken 18 months to get there (haven't been as MSE as I should have :o ) So I have…

• Debt Counselling

  Hi all, Please can anyone advise me what formal qualifications are required to become a Debt Counsellor? Many Thanks,

• Hi, just showing someone

  Hi peeps, just showing someone how to use the forum. They will be joining this week. Hope you are all well Love me xxxxxx

• Where can I get self employed debt advice???

  Hi All I am currently self employed and its not going too well this year:( , business is dead and I have used up all my savings and emergency funds and now having had only a few days work over the last 3 weeks I don't have enough money to cover all my bills. Does anyone know where I can get advice?? CCCS weren't to keen as…

• Sunday 13/04/08 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…

• pap/moozies what have/will you spend today Sunday 13th April 2008?

  Morning all:hello: Should be a NSD here:rolleyes: Hope you all have a peaceful and restful Sunday, and enjoy the roast (and best of luck to all those Marathon runners:j:j:j

• How DF has your weekend been?

  I rarely post as can't do so from work and don't seem to have the time in the evening, but wanted to share my weekend - Friday - Visit to Mr T - £35.47 spend, overall cost was £23.52 due to vouchers:money: Monthly visit to Costco - £100.10 spend, but from this have made 6 chillis, 6 bolognese sauces, 2 lasagne, 1 shepherd…

• credit card negotiations

  Hi everyone I need some help I have nearly been talked into having an IVA but have been very unsure that this is the correct route for me and having read Martins advice I now know its not!! I have borrowed some money froma family friend interest free to clear my credit card debt but having limited money I want to know if…

• credit card negotiations

  Hi everyone I need some help I have nearly been talked into having an IVA but have not been convinced this is the right path for me and having read Martins pages I now know its definately not!! I have borrowed some money to pay off my credit cards from a family member interest free to get me straight but what I would like…

• Really scared about future since redundancy

  Morning to all you early birds. I am in a real predicament at the moment and feel things are going to start going downhill fast. I can't sleep worrying about how to pay the next months bills and feel really desperate. Up until December last year I was working for the local authority in a full time post that paid £28,000 a…

• SOA for a small amount of debt

  Hi everyone! I'm gonna post my SOA below. Although my debts might seem small compared with those of some people on here, for a full-time student they seem big! I've had a lot of stress caused by debts in the past, but now I've paid off most of the smaller ones (plus half of the biggest) and I have a regular income, things…

• Unhappy with Debt Adviser - Should I make Offers myself?

  Hiya, I owe 5 creditors somewhere in the region of £8,700 and have been paying them nominal amounts for 16 months or so under a repayment plan set up by a CAB Debt Adviser. In about 4 weeks I'm going to receive about £4,000 as a result of injuries sustained by being knocked off of my push bike by an inattentive motorist.…

• Help - addicted to MSE!!

  Hi people I think I am in need of help...have been registered with MSE for a few months now, but only recently started hopping on the forum boards and having chats and basically a good old nose around the Debt free wannabe threads - great you might say...however, I now find myself logging on at least two/three times a day!…

• On the Road to being Debt Free!!!!!!

  Well its not much but its a start! Some money i have been waiting for has finally cleared in my account and it means on monday i can pay off 2 of my cards (asda and mint) a total of £650! Now considering my debt is £3650 it doesnt really knock it down by much, but every little helps right? I had considered just knocking…

• Abbey not accepting offer

  This has suddenly flared up again to cause a great deal of distress. About 2 years ago, I ran into debt with Abbey through unplanned overdrafts - I can't even remember what caused the overdrafts now. The debt totals £153. At the time I approached them to attempt to make an agreement with them to pay what was reasonable for…

• Barclays have caught up with me...after almost 6 years. Advice needed!

  In my student days (about 6 years ago) I managed to run up £3300 with Barclays. The repayments got a bit too much for me so instead of doing the sensible thing and sorting it out I scarpered, and I hadn't heard anything for almost 6 years until today. I've received a letter from The Lowell Group telling me that my debt has…

• Quick Question about council tax and different councils..

  Hi All, Sorry if this is the wrong forum but I just wanted some advice on my council tax bill... I was advised on this forum by fellow DFWs to ask my local council to basically allow me to pay my bill over 12 months instead of 10 and they have refused to allow this despite me telling them the difficulties that it will…

• Can anyone pls advise me on my options?

  HI all, I'm currently in a bit of a pickle. Im married and looking to leave my husband. I currently owe 27k in debt all in my name (this is all my debt) I own a house ( joint morgage with husband) I do not pay into the morgage as my all my money goes on my debts and more each month. At the moment I don't have a pot to pee…

• My sister is doing my head in Next Directory & HSBC

  Am trying my hardest to help sis get a DMP sorted. She has a Next directory account and she currently owes £1800. Are there any banks that are linked to Next? If so which ones? She has set up a new bank account with HSBC are they connected to Next at all?

• Any Template Letters To Stop Phone Calls

  Hi I'm continuly receiving phones calls from Northen Rock, I intailly sent them a recorded letter re the "Administration Of Justice Act" informing them that I was on a DMP with Payplan. This was 2 months ago, at present they are calling me upto 6 times a day, they have refused to deal with Payplan, I have also spoken to…