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IS it THAT bad?
I know our situation could be a hell of a lot better, and we are slowly working on it, but after reading Martin's Mantra - Debt isn't bad, bad debt is bad", I think we have got our debt under some sort of control. Mgage - 85000 Loan - 15000 - 214.15 / month - 11.9% APR Both will be paid off in Novemeber when fixed rate…
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A question about Interest
When first writing to various creditors to let them know we were struggling, we also asked that the interest be frozen. In that time, the debts have been passed to various collection agencies and the amounts have all continued to rise, apart from 2 credit cards. What is the law as far as interest is concerned, can these…
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My DFW journey a year on....
Just some ramblings of mine that are in my head......I do lurk on this site a lot as it's of great support to me. So i thought i'd put down my journey so far (i do have my own Blog so this is just a summary) My LBM arrived in February 2007 - we had moved house in October 2006 and always seemed to be short of money so I did…
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using savings to clear debt
Hi all Do I clear my debt on credit card of £3000 with money I have just inherited, or I have a new balance transfer credit card which I could transfer the money into at a charge of 3%. Hope you understand what I am trying to ask!! Help please
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Opened up last night
Hello Everyone:hello: Last week i had my lightbulb moment, after over a year of my £2500(ish) debt i decided its time to-do something with my life and get my backside well and truely into gear.:D I know it doesnt sound like a lot, but i earn very little and it feels like the world is on my shoulders :( I had been keeping…
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MBNA & Transcom
Hi there, has anyone had any dealings lately with Transcom/Arrow Global? Hubby has a debt of £6,700 with MBNA which we have just been advised has been bought by Arrow Global and dealt with through Transcom so i thought. However, after just one conversation with them to say our debts are being dealt with through CCCS and…
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I don't know how to get round this
People assume that because DH and I are in well paid jobs that we have money to burn. Of course it doesn't help that we live in a big house, have two cars (one is a company car) and lots of nice things (hence the £70k debt:o ). The thing is we don't want people to know the mess we're in, its none of their business but what…
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HBOS Collections
Morning DFWers. Does anybody have the number for HBOS collections department. I dont have a direct debit setup and dont want to be charged a late payment fee/interest..... Thanks.....
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Aktiv Kapital Investment
Hi I have reeived a letter form the above company demanding that I pay £847.57. Now whilst this debt could be mine from my student days I cannot remember ever oweing anybody this sum of money. I have read some of the very long post regarding this company but wish to just clairfiy a few things. Firstly I have read that if…
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Making a final settlement
Hi, I'm hoping someone can help me with offering credit companies full and final settlement on some of my accounts. I've been trying to negotiate these over the telephone and even tho they seem very helpful most of them are sticking at settling the debt at 85%, I've tried pushing for less but they all seem to have…
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Debt Query
Hi all, A friend of mine has been having probs with a debt collection agency. She had a debt about 13 years ago which she beleived she paid off. seems now that she did not and they obtained a CCJ in 95. They are now seeking payment as they have found where she is now living - can they do this? they are talking about…
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Monday 19/05/08, 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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Had a mad spend weekend
:eek: Had a mad spend weekend. Went out Friday night. Saturday went shopping with daughter number 1 and bought her new clothes and shoes and some things for the house had dinner out. Sunday went out with both daughters and bought 2nd daughter new clothes and shoes had dinner out again. The great thing about it was we had…
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been so stupid re council tax
i know we have been so stupid but we have not paid council tax for ages as was sorting out the other debts and totally forgot not good i know but the thing is on friday jacobs came round we were not in but they are asking for 12,000. i'm so scared my dh has called themn asking them to come round when he is in but i'm so…
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Lowell Group...
Well I have returned from Honeymoon (LATE last night, body clock a little screwy so was up before 6am... don't ask!) to find a delightful letter from Lowells claiming they have been trying to contact me regarding an address I lived at during December 2000 - February 2001... Now first of all I left a forwarding address at…
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DFW Daily Chat Mon 19th May
Morning all Been getting grief:rolleyes: so not on much. looks a bit dreary here today. So I may tackle the MAMMOTH pile of ironing that has found its way into my house:o Have missed you all:D will be on later :A
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In Trouble :(
Hello, I need some information or help. I am umemployed at the moment claiming JSA (£240 a month) as my only income. My credit cards (8 credit cards) total debt = £8,500 and a £1,000 overdraft = Total £9,500. I know that isn't much compared to some people but since I am only 24 it seems to be alot. I have no idea what to…
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Troll patrol
Hi peeps, have done the night patrol so far and caught a few newbies. So far so good. And no trolls in sight. I dont think i have missed any first posters. Even been across to Bankruptcy board. All quiet on the western front. x x x x
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thames, cabot and Logic - AARGH
:D deleted :D
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I'm confused, please help
I'm confused, please help! I work full time and have also been babysitting with an agency; this work varies sometimes twice a week, sometimes I dont babysit for weeks at a time, anyway, a friend of mine has made me paranoid that if the agency got audited I would be in trouble for not declaring this extra income, is this…
