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Thursday 29th May *Daily Chat* Thread
Good Morning lovely people. I am just about to go into to work on my day off as it is Meetings, Meetings, Meetings due to an Ofsted inspection starting Monday. Lovely and sunny here today and my tomato plants now have little baby tomatoes on them....I am so proud:D I could kill a cactus so that is a really big achievement…
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Thursday 29/05/08 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…
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Halifax want permission to speak to CAB on my behalf?!
Not sure where to post this, as we're not even sure this concerns a debt. Mods, can you please move this is you find somewhere better for it to go? :) OH got a letter yesterday from Halifax containing the line "We are keen to deal with your concerns as quickly as possible, and would be grateful if you could send a written…
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A quick hello!!!
Evenin All, Thought I would say hello :hello: I used to be a member back in 05/06 but lost the password and changed my email so I cant get in with that username anymore!:rolleyes: Anyway, just needed to start posting to get myself motivated for the challenge in my sig. Cheers CC
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Serious Advice Needed
Hello everyone, im new here and in need of some financial advice. Im 21 years old and live in England, Im in financial bother all down to a bad choice in car. I purchased the car (MG ZT) 2 years ago for £5000, I got a lloyds TSB personal loan (36 month) for this, everything was all fine and dandy. In the last 2 month…
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IVA/Bankruptcy Help
Hi i am a newbie, Found your site while trying to look for help with my mess. I am contemplating IVA or Bankruptcy as over the last few years i have managed to acquire approx 38k of unsecured debt and in the last couple of months my outgoings have been exceeded my incomings. I will be honest and this is mainly due to my…
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Where to Start When Your on Basic Income Support
Hi, Can anyone help I want to get back in some sort of control but have no idea where to go or start living on Income support and child benefit, I gave three kids, one 17 with mild asphergers and at college training to be a mechanic, one about to leave school hoping to go on a construction course and one whose 10. I have…
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June Make £10 a Day!
Batgirl started this challenge and has been running it brilliantly for months helping lots of us to make lots of extra money - :T to Batgirl. She's taking a break for other things but so that her excellent challenge doesn't fold, here is a new thread for June - do join in and I will do my best to keep the list up to date!…
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disputing a default with the cra's
hi everyone i have paid one default on my credit file (see signature) and waiting to be satisfied and before i settle the second i was wondering how to dispute with experian as in question the info on my file and hoping that the company will be too lazy to confirm a paid debt with them resulting in that default being wiped…
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Help! Please help me with citifinancial
As at Jul 04 after taking out a loan of £2250.00 the monthly amount was £141.64 over 36 months = £5099.04 (Insurance added to loan!!!!!) By Jul 05 I had paid off = £991.48 leaving £4107.56 In Aug 05 I went to the Citizen Advice Bureau who directed me to clsdirect.org. Got interest frozen on all accounts. I thought!?! Just…
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Should I cancel accounts with 0 balances!!!
Hi, I am about to begin my DMP with payplan and have sorted all of my creditiors out and everything is progressing well. One question I have however, is that I have a the following Dorothy Perkins card Wallis Card Next Card all of which have Nil balances as I do not intend to use these again due to my current financial…
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does anyone know about wholesale?????
hi, This is my first time on here although i have been a member for months, i really want to clear my last remaining debts, I have done well so far i sell our unwanted unused things on ebay i make hand made cards and wedding invitations, but this is not making a big enough dent!! I would like to with some friends who also…
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Halifax default
Hi there, I had a halifax student account default and this has since been paid off monthly from a debt collection agency, they offered a full and final settlement offer in February which I accepted, £90 was knocked off the balance. They have since sent me a letter confirming that it has been paid and the case is closed,…
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New to MSE
I've finally got round to doing my SOA. Any advice on which debts to pay off first? I'm going to move back home in the next couple of months which will mean minimal outgoings. Monthly income after tax................ 1263.49 Partners monthly income after tax....... 0 Benefits................................ 0 Other…
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Cccs Dmp
hi all well ive been working on my plan for a good 5 months now. and feel so much better that this weight is being lifted :) my parentys have helped me out and now have £5000 i currently still owe £5780.77 to 4 creditors. do you think they are likely to take the £5000 split to get rid of the debt. i am going to be so…
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Nationwide - Charging Order - Courts
Nationwide got the charging order . Their solictor turn up! the only good thing about it is, the judge ruled that the payment should be lower from the original payment of £140 to the DMP payment of £7.97. Hubby is hoping to sell his shares in a couple of years , for us to pay the charging order off. CQ
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Mackenzie Hall
Hi About 8 years ago I stupidly ran up loads of debt on credit cards and loans. Finally I stopped burying my head in the sands and started to deal with my creditors. I am still paying some debts off on a monthly basis, and have not missed a payment in the last 3 years. Today I got a letter from Mackenzie Hall saying that…
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been in touch with CCCS, need ot send pro rata offer letter to HSBC
Does anybody know which address i should dend the pro rata off payment to?? is it my local branch or a specific address? thankyou guys! x
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experian doing furthe checks?!
I applied for my credit report a few weeks ago (the thought of looking at it makes me feel sick). Couldnt get the free trial thing, now have had an email from them saying they need to do further checks on me. Why?:confused: i need it sharpish as I am getting call after call from First Credit. I want to get my DMP set up…
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been to court yesterday..can anyone help?
Hi everyone- i've been to court yesterday regarding mortgage arrears:o . I had already come to an arrangement with my mortgage provider and they were asking for a possession order on a suspended basis. the judge was extremely kind and overruled them telling them that I only had to pay a fifth of what they were asking me to…
