-
Any advice for starting to iron for people
I am thinking of starting to iron a small amount to get some extra income and pay off the cards. I was just wondering if anyone has any advice or knows anything about paying tax and NI. It would be on a very small scale ~ much the same as someone advertising to walk someones dogs. Any help would be greatly appreciated,…
-
moneymabels debt free by 2009 diary
Hi , I am challenging myself to pay off my debt by the end of this year and thought if i posted it on here then i couldn't chicken out! I have been in debt for as long as i can remember but with the help of this site (and a kind relative who lent me the money to pay off my loan) i have managed to get my debt down from…
-
I called cccs!!
Might seem a tiny thing to others but i have big anxiety problems so its a big thing to me. I called cccs and the lady was very nice and i felt so relieved when i got off the phone :) And an incy bit proud that id done it:D Thanks to everyone on here who spurred me on to do it:A
-
In a right pickle with bank charges!!
Last week we paid for a takeaway (i know, i know..) by cheque, but then £50 of bank charges were taken out and there wasnt any money in there for the cheque:eek: I kept checking online banking and the cheque still hadnt been put in so i thought if i put the money in on monday when oh got paid it'd be ok. Unfortunately i…
-
Freecycle
I was just thinking of a funny thing that happened to us using freecycle and I wondered if anybody else had any. We got new decking built in our garden and I thought I'd post a "wanted" ad for some planters. I got an e-mail from an old lady asking me to phone so I did and she said she had some lovely planters I could have…
-
Defaults and CCA's
Hi,yesterday I sent off CCA requests to my creditors,I was wondering if after the 12+2+30 no agreement was to appear what would happen to any defaults on my account,I've received no notice of any defaults but am sure there are some,can these be challenged if the debt is deemed "unenforcable"?
-
Can someone help me plz
I received a default notice yesterday from Barclaycard! With credit solutions, I phoned them in sheer panic not understanding what a default notice is, I spoke to a woman who told me I must pay £100 now and £152 per month for 6 months. I stupidly gave my card details thinking I have no options. There is no way on earth I…
-
Will 'old' undeclared income catch up with me?
Hiya, My debt problems came to light nearly 2 years ago when I had a breakdown after years of sustained aggression & noise from a neighbour. I saw a Debt Adviser and a replayment plan was put into place. Soon after - and being very conscious of lack of money - I joined an Amazon affiliate scheme. I closed it down after two…
-
Beware bogus email
Hi just thought i'd let you know about a bogus email in my inbox this morning. The sender is "MoneyExpert" and the title is "Dealing with problem debt". It's from a fee charging debt consolidation type company. Delete it as quick as you can folks!
-
Every penny counts!
:rotfl: I am happy and still feeling positive Although the grocery challange does not start untill May i have gone through cupboards and freezer to make meal plans which can last a good two weeks!!! As an added bonus of working in a supermarket i get 10% discounts on my goods (usually for the first £10 discount i get at…
-
Reclaiming charges
Hi Firstly apologies if this is on the wrong board, saw Martin on GMTV this morning and want to know more about reclaiming if you are already in difficulties. We are trying to start up a DMP with CCCS and have incurred a number of charges over the years, mostly through our bank Halifax who we have an overdraft with and our…
-
CCCS review
Hi Apologies if this has been answered before .... My review is coming up with CCCS. I am in a short term contract whereby my salary has increased since starting my plan. Does anyone know what happens if one offers higher payments through CCCS and then have to lower them again. My salary will definitely decrease again at…
-
Full and Final Settlements
Hi I got behind with a couple of credit cards & was offered, without asking, a £17,000 write off on 2 cards with 1 supplier on a debt of £28,000. I went back & got £18,000 written off and interest frozen without too much trouble. I have to pay the lump sum in a few months time, but is this kind of percentage write off…
-
What's better, being on electoral role or living in house for 5 years?
Hiya! Very quick question for you..... With regards to credit scoring and credit referencing agencies, which of the following 2 situations would be better for my score? 1 - Living at the same address for 5 years and NOT being on the electoral role or 2 - Living at a new address for a matter of months AND being on the…
-
Pap/Moozie's what have/will you spend today Tuesday April 29th?
Good Morning all :D Well a NSD as in budgeted money, but have just pinched £330 out of the rainy day savings :o to pay for a years family pass to Merlin group (unlimited entrance to chessington legoland thorpe park & loads more ) have had a very dull 18 months whilst Hubby at sea, trying to pay off the debt & in the long…
-
Getting Married - Credit Rating
Does getting married have any effect on your credit rating? I've recently got married and noticed that since informing car and house insurance of our marriage that our premiums have gone down. Does getting married have any effect on your credit rating in this way?
-
Budgeting during the 'credit crunch'
Hi Guys I was just thinking about how the current economic situation is effecting my budget. Now I live with my Mum so I am lucky there. I have recently made her up my rent to £240 a month to try and help out a bit more. But what really made me think was going to fill my car up last night. Unleaded was on at £1.09.9 a…
-
Tuesday 29/04/08 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…
-
DFW Daily Chat 29th April
Good morning good morning, here's to you each day good morning, good morning to you. Yes i really did start this off at 5.35 in the morning. I have watched the dawn break. It is lovely. Finish work in 2 hrs then going home to bed. Hope you all have a great day. :grouphug: Hugs to all Me xxxxxxxxxx
-
I'm depressed! DH wants different things...
I'm so fed up. My husband got paid today and he got a bit extra due to overtime etc. I got all excited thinking I could put it on my credit card-which i'm desperate to pay off. Now he's said to me that he wants to buy some DVDs. It is the fact that the first thing he thinks of is himself....always... when it come to money.…