-
What is a genuine CCA
What should a genuine CCA look like please?
-
Quick update and thanks ....
Hi all. This is an update on my finances. Earlier in the week I had savings (£4k) and an overdraft (£4k) , my OH's student loan £550, 1 Barclay cc £2200 and a Natwest Loan of £10,050 (plus this quarters interest whic I think will be about £240. So having taken advice from MSE (thanks to all helped :beer: ) I have taken the…
-
good credit a few blips but always refused cards
Can anyone help please. I am new to this site - and this is the first time I have posted anything in my life. I want to make a couple of credit card transfers to 0 per cent deals. Have been refused by egg and virgin. My credit score is about 650 with a site that analysises all credit scores. I would say in every way I am a…
-
Balance Transfer ????
Hello again everyone! Last night i sat down and worked out how much needs to be paid off the 2 credit cards each month with stand at the following: Barclay Card - £666.86 - 1.873% - MinPayment £15.00 - Interest £11.00 Barclay Card - £3919.75 - 2.207% - MinPayment £88.00 - Interest £86.00 I worked a way that by paying as…
-
woohoo!
just got the p/t job i applied for to help get my out of my overdraft :) im sooo happy :j September dfd here we come! £700 overdraft needs to be cleared my end of september 08 - i know i can do it :) Didnt really know if this was the right place to post it :confused:
-
Introducing myself and my bad money management!
Hi there Well some folk never learn or learn the really hard way and I guess that's me. I am currently about 2 thirds of the way through my 2nd protected trust deed (live in Scotland). I had the first back in 1998 when I had logged up about £30K in debts on an administrator's salary. Done partially as a result of a messy…
-
9 mths pregnant 80k debt - please help.
Hello, I am in major debt, am about to have a second baby and am about to sort out my debts but wantedto sanity check it with any experts out there. I was made redundant when pregnant with my first child which meant a loss of my annual salary of 80K Per year plus all my exsiting wedding debts topay (35k). I have managed to…
-
Just need some support and encouragement...
Sorry, it's a little long but I'm on the verge of tears and I find anonymous sharing helps! I'm just feeling really low today because it's suddenly occurred to me how deeply in debt me and hubby are. We know the situation and how bad it is, but I feel as low as I have ever done over it all and feel that the struggle to get…
-
Moorcroft quiery
My Next account has been passed to these people. balance £400. had previously arranged with Next to pay £50 a month. did ok for last 5 months apart from last month (due 14th may) i missed it as i had no spare cash at all. was going to make payment today (salary has gone in) but ironically enough a letter just arrived from…
-
Allied International Credit
My husband received a handwritten postcard from this company, we called them and they were extremely rude, and most unhelpful and we have no idea what this is regarding as he has no outstanding debts. I had to do some detective work on the internet to even find out who they really are. I am finding the whole issue quite…
-
default notice
Please can anyone tell me what happens when you have been sent a default notice . I have been sent one from the Bank of Scotland this morning , it looks very official .They are asking for the arrears which i have not got ,i have sent them a small payment and my income/expenditure so they can see what i can afford but they…
-
pap/moozies what have/will you spend friday 30th march
Morning all :j Hope we are all well and ready for the last working day of teh week (ok for some). Hope the weather is lovely where you are, have a great day and remember if you must spend 'keep it low'. Take care :A Today I have a day off work but I do have parcels and letters to send so unsure how much that will cost…
-
Remortgage, while on DMP?
hello, i have also posted this in the mortgages forum, but also thought someone here might have been in the same situation? Hello, Me and my husband have just comleted agreement for a DMP with CCC's. We have never missed a payment with any of our creditors but simply were borrowing money to live. We continue to pay a…
-
DAILY CHAT!:Friday May 30th-Joe's B-day
Sorry, shameless plug-it is my DS 3rd birthday today. *sigh* It goes by waaaaay too fast doesn't it? :o This times 3 years ago I was driving to Shrewsbury hospital to be induced-my sister was thinking she was going to stay with me in the delivery room but once I started moo-ing she left, sharpish, lol Nice day so far in…
-
Friday 30/05/08 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…
-
Car insurance quotes and credit file
I recently visited a car insurance comparison site (don't know if I can mention its name but the one advertising a million pound draw) anyway. I'm a learner driver and had viewed a few different cars so I went on the comparison site 3 times to find out what the insurance would be like for each car. I didn't realise they…
-
Soa
Hi all this is my first time on tis thread and jut found the calculator,here are my results if anyone can help i'd apreciaete it,sorry if this is in the wrong place. Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 300…
-
Advice for a newbie please
Hi every one and thanks in advance for helping a complete stranger, Ok in a nutshell, ccs collection services are sending letters demanding just over £1000, :mad: (not a huge amount of money, but more than i've got!) for a debt which is possibly 6 years old, and was never that much anyway but seems to have doubled! Now…
-
New to DMP's
Hi All, I have just started the DMP process with CCCS and though I am sure there welcome pack will answer some of my worries I am too impatient / nervous to wait. This is what I owe, 14k to MBNA, 14k to Barclaycard, 5k to Natwest, 5k to Egg, 4k to Morgan Stanley, 1k to More and a 1.5k overdraft to Barclays. My DMP will be…
-
New start - food budget anyone?
Hi there, I've just recently realised how awful my money situation is and with a lot of help from this forum I've been sorting myself out a bit over the last few days! Been reading all the diaries which are inspiring, I hope to be able to be so organised and dedicated! I'm in the process of moving house due to my marriage…
