Debt-free wannabe

Discussion List

• My updated SOA - and now your fave part - please rip it to shreds!

  Hiya guys & gals! For those of you who don't know me a little background ... I'm 21, living with my OH in a rented apartment, in debt and want to be free of it, and I write posts which are far too long - sorry!! :o Sooo ... I'm posting my updated SOA in a new thread so that those of you who think my diary is a tad rambly…

• Creditors and debt management.

  Is there anyone who can give me some advice. I have been handling my own debt management with companies i owe money to for the past 3yrs. Every six months everything is reviewed. Unfortunately, for one reason or another one company had requested my financial statement and i had been late getting it to them. Since then they…

• A little advice for a 'newbie'

  Hi guys, this is my very first post so you could consider me as a newbie! I was just after a little bit of advice really.... I'm a 21 year old student in my first year of uni and have a part time job which is relatively well paid, (£610) per month. I have a loan of £7800 (for a car, which is worth about £2500), it's a 5…

• Help - Secured Loan (First Plus)

  Can anyone give me some help please. My best friend is in huge debt and I am trying my best to help her sort the mess out. She is not strong enough to do it alone as she is under so much stress. I have spent hours & hours trawling the internet for information and I need some clarification on a particluar issue. She has a…

• defaults

  after checking my credit file from experian it says that a default on my account has a balance of £5. i presumed i'd payed it in full when i cleared the debt. how do i go about sorting this out and will the fact that it states theres still a balance of £5 on the default affect me? Any help would be appreciated.... and…

• Trying to break even

  Hi We had our first child last year. My partner was on maternity leave for much of the year. We're now feeling the pinch. Especially with the costs of child care coming in to play. Our income has always equalled or exceeded our outgoings. Despite all the excellent recommendations from MSE we're now not breaking even. Most…

• Pleased with myself

  The summer edition of my catalogue came the other day. Along with a voucher for 10% off my order. So - I have thrown it away! :T Yes i would love a new pair of shoes, yes a new dress would be nice but NO, i don't want to use money I haven't got. Now that's all thanks to you lot cos I wouldn't want to have to say I spent…

• Rockwell - Full and Final settlement refused. next step?????

  I currently have a debt with Rockwell Debt Recovery for arond £1500. i sent them a letter offering a Full and Final settlement of £550 (which i appreciate is at the low end!). they sent me a form to fill in, which was basically an SOA. i filled it out and sent it to them. it also contained information on how much i owe to…

• In IVA and have mortgage with Northern Rock

  Hi, my husband & I are in the 3rd year of an IVA and our 2 year fixed rate mortgage with Northern Rock (NR) at 4.85% comes to an end in August. We have received a letter from NR basically saying that the new mortgage rate will not be a competitive one and suggesting that we may be able to find a better rate elsewhere. As…

• repossession hearing need help!!

  First time poster and i need some help please. I have a repossession hearing on Tuesday and am really unsure of what to do. We are 2 months in arrears due to our young daughter being in hospital and me having to take unpaid time off from work. Our mortgage company have been kept fully informed but have been unable to help.…

• Me vs Capquest + Natwest

  Hi, I sent capquest a cca request for a debt they purchased from NatWest however when it came to them supplying docs to me they said they had to write to NatWest. Anyway time ticked on and i never received anything so i sent the follow up letter to capquest kindly asking for default to be removed etc. I have just received…

• pap/moozies what have/will you spend today Sat 12th April 2008?

  Morning all :j Hope its sunny/nice where you are and lets hope this weekend lasts forever :rotfl: Have a lovely weekend and remember if you have to spend try and keep it low :D Moozies challenge is here if you wish to join. Take care all

• pap/moozies weekly challenge ~ w/c 13th april 2008

  Welcome all... I hope you have had a great week and kept it low... and are you ready to be turned red/green? Everyone can join, just post a target in keeping with you/your debts/your spends, don’t worry about everyone else’s budgets. Then each day post on the daily spends thread and add them all up ready to post the…

• Debt Collectors - What Next?

  My mum took out a joint loan out last August with my father who unfortunately passed away in September, leaving mum to repay the loan. Due to her financial situation since my fathers death, she cannot afford to make any repayments on the loan. The loan was with the Bank of Scotland and then passed to their debt collection…

• Saturday 12/04/08 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…

• Fine your family

  Hi everyone, I've been a lurker for the last few months and have read so many brilliant tips about saving money and making money. So I thought I'd share one of my saving ideas with you all. My husband leaves lights on all the time without even noticing, so I've decided to fine him everytime I go into a room and find a…

• **DFW Weekend Chat Thread**12/04/08

  It's the weeeeeeeekend! Woohoo! (although, officially, I'm on a Very loooooong weekend right now, lol) Up with the [STRIKE]worms[/STRIKE][STRIKE]birds[/STRIKE]kids early today so thought I'd start the thread! Lovely sunny day here in Salop and I hope it stays that way-I'm going to attempt to make a Pavlova from scratch…

• Would you get involved with someone in debt?

  Hello hello. Just thought I would ask the above question. Would you get involved with someone who is in debt? Whether that is someone you meet while you are in debt and you find out they are too, or you find yourself eventually debt free and you find out they are in debt? Just wondered really. I know it is easy to think…

• Wrongly listed as Defaulting on Mortgage by Amber Homeloans

  :confused: :confused: :confused: I have been annoyingly listed as a mortgage defaulter recently by Amber Homeloans for a self build i have completed and just remortgaged to pay them off so now they have my money and have given me poor credit as they couldnt get the settlement figure out to my solicitor on time before the…

• Living In USA with £70K of Unsecured UK Debt... HELP!!!

  I am originally from the UK but moved to the USA in December 2005. Between 1995 and 2005 I managed to rack up around £70K of unsecured debt. During this time I was a student and the debt includes student loans as well as many credit cards and unsecured loans. I used to have a good job in the UK and great credit but left my…