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Please Delete _ Duplicate
Good Morning :D Very chilly here today. I'm not sure what I'm going to spend today yet, because I'm umming & arring about buying a rug:confused: also, I saw some bedding in a morrisons leaflet & I do need some, so depending on whether they have bedding & I decide on Rug - we'll see If I do buy bedding will be using the £5…
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coming clean to Partner - now wants me off mortgage.
I posted my woes on here last week.. I finally confessed all to my partner who did not take it so well. We have been together for 11 years and lived together for 3, we also have a child together. Our fixed rate mortgage ends soon, and we were looking at other options.. My partner has now told me that he wants me off the…
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Pap & Moozies What have/will you spend Tuesday 20th May??
morning all:hello: should be a nsd here:rolleyes: hope you all have a terrific tuesday:)
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Boyfriends debt £2500+
hi all, I'm panicking after last night discovering that my bf owes ~£2500 on two different credit cards. I opened his statments (shouldn't have done I know) because I knew something wasn't quite right. I have loaned him £500 to pay off one card (balance now £1600) and £250 to clear another one. The balance he owes is £1600…
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Checking your DMP Balances!
Hi Guys, This is just a quick note to remind anyone on a DMP (I've got mine with Payplan) its a good idea to keep check on the outstanding creditor balances rather than relying on the one shown on your DMP statement. I've just double checked a couple of mine and have already come across a couple of mistakes. Even without…
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DCA advice wanted please
I have posted about this debt before. We've had 3 dca's trying to collect a debt of £214.04. OH owes Yorkshire building society £129 according to his credit file. I have intended to pay the money directly to Yorkshire but am broke at the minute. OH opened a letter from Advantis credit and rang them! Letter says they are…
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Tuesday 20th May Daily Thread...
Ooh, I've never started this before......am all excited now! Sunny day on the Lancashire coast - bit breezy though so not expecting tropical temperatures :) My tiny salad plants seem to have survived a chilly night, thank goodness. Got a busy day in work today, then a train trip to Warrington for a quiz at the rugby league…
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Happy Birthday Smashedbooboo
Happy Birthday Smashed :T :T :bdaycake: :bdaycake: :bdaycake: xxxxxxxxxxxx
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Pap/Moozies Weekly Challenge ~ w/c18th May '08
Got all excited just now as I thought I'd seen the new challenge thread for this week....... then realised that it was one from March that had been posted on :o :o Pap, hope you don't mind that I started the thread, have been waiting for you (hope you're ok btw x), knicked this from last weeks...... Welcome all... I hope…
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HFO Services
Hi, Citicard recently sold my debt to HFO Services. This was being paid back via CCCs. HFO have now written to me saying they are not happy with the repayment terms and want more. They are threatening putting a charge on my property or going for an attachment of earnings if I am not cooperative. Can anyone confirm where I…
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Attitude towards money
Evening all, I just wondered if anyone else's attitude towards money had changed since embarking on their debt free journey. My parents commented today that for the first time ever I seem to be responsible with money (I'm 32!) and it got me thinking. I now respect my money much more and am much more protective of it, in…
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Paying off debt early
hiya guys I have the following debts and wanted to know if there is someone who could work out roughly how much i am paying if pay off early Welcome loan £2500 ( think its roughly 60% APR ) monthly payment £239 ( 23 months left ) Welcome car loan ( think its roughly 64% APR ) monthly payment £170 ( 42 months left ) Another…
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IVA Full and Final Proposal
Hi All, It's my first post here so please be gentle with me! I'm in an IVA with W3 and am paying back £200 pcm over 5 years, bringing the total to £12,000. I recently applied for a job in the public sector and passed everything, from application form to interview, with the exception of the IVA. So they've had to withdraw…
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Statute Barred and Credit file
Hi,I would be grateful for any advise. Had a call a couple of weeks ago from a debt collection agency ,who said that they were phoning about a debt to British Gas for £146.Anyway as I could not recall ever being a British Gas customer I told them that they must have the wrong person and thought that was that.Got another…
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What is considered "delinquent" debt?
I have encountered the term delinquent debt on a job application form and I am wondering if anyone can tell me whether this term only refers to debts which have yet to be paid or whether it includes debts which have been or are being serviced. Cheers.
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Incorrect CCJ on my credit file!
I applied for the new Capital One 4% Cashback Card the other day and today got a letter telling me I've been unsuccessful. I’ve been living at my new place for 3 months and in that time have had numerous letter from bailiffs and debt collectors for possible previous tenants. (See here) Anyway, I thought maybe this has had…
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claiming bank charges but no account details?
Hiya Please can anyone help I am now ready to start claiming back bank and credit card charges from various companies which should total around £4000 I think, if not more The thing is I don't have any of the account numbers and the companies will have my old address details because I never updated the information with them…
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Debt!!! Help
Hi all, just a quick question. I've recently had a letter from a debt collection company regarding a debt thats OVER 7 YEARS old. They say its all in my name but i've no idea about the debt, apart from its from lloyds bank. Where do I stand on thid matter, surely they should have got in touch sooner. Please, any advice…
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Can I get my money back?
HI I posted on here a few months ago as I was having problems with a Car Finance company. Although, I hd written to them countless times advising them that we were having financial difficulties due to myself and my husband being no longer able to work, they continued to pile on Late Payment Charges. I am now, thanks to a…
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The Saving starts Today
Following the lead of the £2 savers club and the 20p savers - I'm going for an all in savers! When I do my weekly shopping, I budget £100 - thats for myself, hubby, our 2 kids, the cat and my mum-in-law (who we live with!). At the end of the week after I've given her our £30 rent money (we pay the electric and the council…
