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pap/moozies weekly challenge w/c 25th may
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…
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Pro Rata Payments
A few weeks back you may remember that I was telling you how nasty Marbles were and at the time I offered them a reduced payment level and asked them to stop the interest., which would be a big help in getting the level of debt down. Anyway the pleasant chap on the other end said he couldn't make that decision on the basis…
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The annual Eurovision Song Contest Party thread!!
Woooooooooooooooooooooooooooooooooooooooooooooooooooooo!
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Changing Bank Accounts
Hi Everyone, Although my SOA is pretty darned good (mainly thanks to all the good advice here) I have been reviewing it and there is one think that is really niggling me - paying for having a bank account I currently pay £17/month for the privilege of a Lloyds Bank Account. The only "benefits" I utilize from it are an…
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Tax Bill and Worried Sick
We entered onto a DMP with Payplan 18 months ago and they have been great. We were putting £100 aside each week to cover the tax bill that we get each January. This year we managed to pay it okay but since November last year my DH has been scratching around for work since the construction industry hit a low and we just…
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Best way to clear off debt quickly
Hi guys, wondering if someone a little better at rates and maths could help me! I'm considering using my 0% virgin card to pay off some of my debt, but with the BT fees I'm not sure if it's worth it. Basically I have a Virgin card at 0% until the end of March 2009, with 3.1k unused credit on it. There is a handling fee of…
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credit report today
i have just looked through my credit report and happy to say that my CCJ and other bad credit history is no longer showing, i must be a magnate for lenders to throw their money at me!!! wrong, i have been denied by vanquis and monument in the last few days. Can I write and ask these companys why or would it just be a waste…
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Csma Credit Card
Hi I am after some help with regards to an outstanding debt on a credit card. The situation is this: 20/03/08 owed £7622.37 at 0% made a payment of £155.00 on 11/04 and then made another payment of £400 on 25/04, these payments have gone 'missing' I paid them through internet banking. Apparently the csma card has been…
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Pay loan or credit card?
Hi all, Just wondering if someone more savvy than me (am trying!) could help me with this query. I have been able to switch my credit card balance to a 0% until March 2009. The total balance now is: £5,400. I intend to pay money off every month (over the minimum repayment). I also have a loan for roughly £16,300). It is…
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How far i've come
Hello all. Not posted for quite some time now, but still look every now and then. Thought i would just give you all an update of my situation and hopefuly some inspiration. All is never lost, positive attitude and never be too proud to ask for help. As you can see from my signature I was in dire straights, with nearly…
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Court Papers receieved - couple of questions please!
Hi, I have received court papers from NR for a CCJ. I have to respond to this by the end of next week. I am admitting the claim and my repayment proposals will be in line with my DMP. I have taken a little advice from the National Debtline website, but wonder if anyone could clarify a couple of points? 1. It appears that…
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Pap/Moozies What have/will you spend Saturday 24th May?
Good Morning everyone :p I'm hoping today will be a NSD, fairly nice weather am so tired, would like to relax, what a relief that it's half term next week!! so no work for me either as I work in a school:T May take the kids to the park, or just let them play in the garden, haven't decided yet, garden is not exactly much…
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AA Loan Repayment Help
Hi all, I have a Loan with the AA which I have been paying off £122 every month until a couple of months ago. I have been self employed for some time until the beginning of this month the Doctor signed me off. The repayments for the loan has been a little unmanageable for some time and I have written to them once asking…
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Saturday 24/05/08. What small 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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Im The Last One Here Tonight So I Will Turn The Lights Out And Lock Up
CLICK !
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Is There A Fairy God Mother Out There?
Do you think any millionaires read this forum? for some sadistic pleasure!? Would they like to give me lots of money...for free...? ok ok I am being very good at keeping within my means but I feel a rebellious spendaholic moment coming soon. It's a bit sad being sensible How do you get over these barren DFW moments?
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Quickie question
Got home from work to find a hand delivered card posted through my door from my friends at Barclaycard :mad: saying that a debt collector had called round today and will call again. I'm not overly worried about his visit as I am on a DMP and BC are refusing to play nicely. I CCA'd them a while ago and have heard nothing…
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I'm new and embarrassed!
Hello - I am new to this forum. I have been speaking to someone regarding a debt management plan - and I don't know what to do. I am up to date on all my bills but I know that my debt is not going to be manageable for long . I work full time but am searching for extra part time work in evenings and I also have a craft…
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Credit affected by joint tenant?
Hello, I'm not sure if this is the right place or method to ask this question, so please bear with me....... If someone is a joint tenant of a flat, (not in a relationship, purely flat mates) and one pays bills on time and the other has people knocking on the door for payment, how does that affect the "good" person's…
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Recycling
does any one know if its worth your while doing all your own recycling and taking it to the centre instead of letting the council take it away. iv heard some places will pay you especially for tin cans etc?
