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It's offical Blair Oliver and Scott say so?
Well my wife answered the phone and she started talking to them, Blair Oliver and Scott that is. We have gone through it again don't answer any questions just say ALL COMMUNICATION IN WRITTING PLEASE! but anyway...... She gave me the phone and I said By chasing after payment you are contravining the CCACT of 1974 and as…
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Virgin Media...Agggh!
Today I recieved a bill from VM for £22.84 so I called them as I've already pais my broadband bill on 9th May by DD so was wondering why this bill was so high (I don't have a landline) as my TV bill is only £2 due to the deal I got with them. The guy told me that people have been complaining that they have seperate bills…
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MrsTine's post wedding Ebay challenge
OK now the stress of the wedding is over I have LOADS of stuff I want to list on Ebay and I want to major declutter the house as my aim is to get a cleaner in by the end of June, but it's just too cluttered at the moment! I know a cleaner is extravagant and I could use the money to be debt free a lot quicker, but hubby and…
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About to get £55k loan and getting the heebie-jeebies...
I am about to go to university for a post-graduate degree and doing that will cost about £80k. I have been saving like crazy this year and have managed to put together £25k from scratch, however I must borrow the remainder. The university will lend the money at 8.75% (with a 4% arrangement fee) to be repaid over 25 years…
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Dont Sign Anything - A Warning to All!
I recently came into commercial contact with a company called " UK Debt and Legal Services UK Debt & Legal Services Ltd. from Newcastle. They are effectively a door to door dca. I was given a demonstration on how the Debt Collection agents they employ operate. I was told they got little or no information from the…
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Credit card issues
Was advised to post this here rather than the credit card forum where I originaly posted it. Hi guys, I need your advice please. I'm a student midwife getting a non-means tested bursary of £510 per month. I can't get a student loan as I'm a diploma student and unable to get regular employment due to placement work, the…
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General form of judgment- bit of advice needed
Hi everyone. I paid off a creditor in full over 6 weeks ago following court proceedings being issued. I got told by other sides solicitors that they would cancel any further court proceedings (i have never been to court, paid it off before it went that far) but have never heard from them since. I have today received a…
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need advice!!!
hi in need of advice , started to receive letters from creditors now saying dd been cancelled - havent received payments PAY ARREARS NOW ! I am confused as they have all cashed token payment which I sent with draft letter from cccs explaining our situation do I need to phone them or wait for more letters to drop through…
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Trying to clear some debt, easier said than done
Hi peeps. Basically over the past few years i've been nothing short of a dipstick - had a fascination with fast cars, and an inability to control credit card spending. As time has gone on, and i've met a lovely girlfriend, i decided it time to grow up and sort things out the best i could for now. Basically, i took out an…
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Stuck in a 12 month Gym contract - HELP!
Hi I have been a loyal customer of a well-known gym chain for a number of years but now wish to cancel my membership. I called to do so but was told that I couldn't cancel as I had committed for 12 months. It is true, I pay £50 per month for a 12 month commitment rather than a 'per month' charge of £63.50... I took this…
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26 , 4000 POUND DEBT , off to uni in SEPT !
Hi there folks ive been subscribing to mse for over a year now and read and used some articles but im finding still hard to become debt free . ive always been good with money and always refused credit cards as i used to just save as much as i needed for a travelling since i moved here at 18 from South Africa . would just…
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Please please help
Am in urgent need of advice. Am shaking and in fear. I live on my own with two kids and have wrecked up a whopping £33.000.00 in debt in a short space of time. Have had to live off credit and now its all ran out. I had to get my only small amount of savings out today to ensure that it brought my overdraft of £1000 down to…
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Average bills
First post so please be gentle with me.... after struggling with credit card debt, unsecured loans and other debts for some while I finally got my head out of the sand last month and switched my bank account, cancelled my direct debits and put together a debt management plan which I sent off to all of my creditors. Almost…
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My posts
Wont come up?
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How do I pay off my overdraft?
Hi there everyone, I have been reading these forums since January and been lurking here. My situation is worrying me to the extent that I have not been sleeping and I had to call in sick today. Like so many other people I feel stupid for wasting money and taking bad decisions in the past.... We (my OH and I) have a £97,000…
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Need to hire a hospital type bed, urgent
Hi all you lovely peeps. I dont know if you know but my mum is in hospital. And she cant come out unless we have certain things in place for her at home. And one of the things is she needsis a bed that raises and lowers. Electric hospital bed basically. Please does anyone know where we could hire one from. Getting really…
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My 1st birthday as a DFW
When I was logging into Quidco today I realised that I have been a member there for a year which can only mean that I have been logging on here for a year too :j I found my very first post and wanted to 'blow my own trumpet' as to how far I have come. This was just rough estimates of what we owed and I haven't even…
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Rounder, Broker, Slower
Well guys I just spent the last 20 mins writing out a very long very detailed and i must admit what I thougth was quite funny post. But I havent been on the boards since last year and I think I hit the wrong button at the end and instead of posting it deleted. Anyway you will be delighted to know Im not going to go…
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IVA advice cons
hi I am currently deciding whether or not to go ahead with an IVA. There are a couple of things that I want to check. I have about 27k of debt with credit cards, graduate loans, over drafts etc. 4500k grad loan barclays 1500 hsbc overdraft 4000 citi credit card 2000 mint credit card 0% interest (just did a balance transfer…
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looking for direction
Newbie to the board, signed up ages ago but never really actively participated, however with the credit crunch and the wife finally coming around that times are hard, i have decided to look around and see how i can improve, so this is not a long first post, what sort of details should i post here for advice? I notice some…
