-
working out a budget
I was wondering how I can workout how much household bills could be each month so that I know how much I can afford in rent. I currently live in a house share with bills included, a friend lives in a studio with bills included. If we were to share a place together we would most likely be looking at bills on top of rent. We…
-
Need Advice on Cetelem/Lowell's Problem
Hi, I'm new to these boards but have been reading for a while :) In 2005 I took out a 12 month credit agreement from novatech for a new laptop, which was through cetelem, but then like a fool forgot to pay it so I got put on their 29.8% yearly job. So in 2006 i began paying out £55.84 a month, since then i've moved house…
-
County Court Judgement
Hi everyone I decided to look up my credit report last week, as i expected it doesnt read well :cry: and my credit score is 541 which is rated at very poor. I was quite shocked to see a CCJ against my report for £400ish, i didnt even know i had a CCJ :eek: . How do I go about paying off this CCJ? And will it be removed…
-
Mortgage free or loan free?
I’m currently on a DMP after a period of illness and downtown in work led to financial problems. I seem to be over that and will soon be in a position to clear all the debts on the DMP and also make a hefty overpayment on my mortgage. However I’ve just realised that an alternative might be to pay off the mortgage entirely…
-
Help with Thames Credit and interest charges
A few years ago I had a credit card with barclay card. Due to various reasons and illness the card was passed onto a debt collection agency called Thames Credit Since early 2004 I have been making monthly payments of £25 and then upped it to £30 in 2005, on time as agreed with them and in the years I have missed 4…
-
Welcome Finance / LMB
Well I just had a phone call from LMB about my loan with Welcome Finance. Wanting to know where there money is. Anybody would think I'd not kept them up to date with my situation but I have I've made regular phone calls and written letters they wouldn't accept nominal payments. This post probably won't make much sense but…
-
Callcredit "Free" Offer - BEWARE!
I recently attempted to check my credit file using one of the three credit reporting systems: Callcredit. Callcredit's site says, and I quote: "Your credit score FREE for the first 3 months" When you click this - it automatically comes up with a detail input field, where you can input your details and apparently receive…
-
New SOA needs Help + DFW Diary
Right then guys I've decided to start afresh after letting things slide yet again due to ill health here is the SOA as of today
-
newbie re: bankruptcy
I have been on a dmp for about 3 years, but things have got to a head and can no longer afford the payments. Havent paid them now for 6 months as our outgoings have reached higher than our incomings. The only asset we have is our 1998 peugeot 7 seater which is worth around £5000. The hp for this is in joint name and is…
-
Dealing with bank advice needed please
Hi guys My arranged overdraft with my bank is not getting any smaller, the interest payments are eating up so much of the monthly payments it's getting very difficult and frustrating. Has anyone dealt with their bank directly in organising a freeze of the interest or arranging a payment plan or do you all go through CAB or…
-
old council tax debt
Can anyone advise me? Today I recieved a demand from Sheriff Officers asking me to pay £1500 within 7 days, for council tax. When I called their helpline no.enquiring about where this had come from,as I have had no demands regarding this at my present address, where I have lived for the past 3 years, I was told it was…
-
pap/moozies ~ what have/will you spend mon 12th may 08?
Morning all How are we? Monday today a start of a new week :j woo hoo. The sun is shining, the birds are singing and its a happy day. Remember if you need to spend please 'keep it low' and take care all :A Today I have to send a parcel but other than that it shouldnt be anything, I guess the parcel will cost around £2 but…
-
Monday 12/05/08 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…
-
Chance to clear Capital One Card
Hi, As some of you are aware DH & I owe Capital One a little over £10K. A member of DH's family have offered to loan us the money to clear the credit card and we can then pay them back after a month at £100 no interest. This would relieve a lot of stress between Dh & I, as we wouldn't be paying out £400 - £500 per month on…
-
DFW Daily Chat Monday 12th May
Hi everyone for later;) I know you are thinking what is she doing up so early? I was in my bed at 9 last night...and woke up at 5 this morning so ..here I am:rolleyes: DD is feeling better now:j she WILL be going to school.! But OH has the bug now:p Coming out in sympathy with Snaggles:D But because OH is not at work today…
-
My Debt Diary
Hi folks, I figure since I read everyone else's debt diaries on here, i should start my own to keep track of how much I owe, how much I am paying and generally try and keep me on the straight and narrow until I have cleared it. Firstly a SOA (all figures monthly): Income: £1204.67 Outgoings Rent = 200 Car Insurance = 23…
-
My bumpy road to being debt free!
In a bid to motivate myself I'm setting up my own own debt-free wannabe diary. I owe £5300 made up of 2 credit cards and 2 overdrafts. My partner owes another £40700, split mostly across cards and a single loan. We have a joint mortgage of £118,000. We both have reasonably paid jobs and are intelligent people however we…
-
Advice please: Baines & Ernst
Hi Everyone, I was wondering if you could help me regarding my debt management plan I have with Baines & Ernst. We have been with them since Feb 2005 and looking at finishing the plan in 2 years. Everything has been fine until Jan this year where it has all been going wrong! I asked themto send me through new balances for…
-
Petition to Knight Martin Lewis
Hi guys, I hope you don't mind me posting this on here, but I've noticed an awful lot of people (In various threads) saying that Martin should be Knighted for his superb work on our behalf. I have already posted this on the IPTW forum, but I thought maybe some of you may not have seen it. If any of you would like to sign…
-
Thank You
Hi, I'm new to this site and i want to say a big thank you to you all. I've been reading this site for quite a while and it never fails to give me hope that there is light at the end of the tunnel. We've got a large mortgage and roughly 15k worth of unsecured debt too. We've been in this situation before but managed to get…
