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Debt-free wannabe

Archives for June 2008

Live on £4000 for a year - Part 3
Welcome to Part 3 of 'Living on £4000 for a Year'. (The third quarter of 2008) You can find Part 1 here for the first quarter of 2008 and Part 2 here. This will give you an idea of how, where, when, and what this challenge is about and provide you with plenty of reading material on the subject of frugal living as you get…
legal help
my partner and i ran up some rent arrears last year and have recently finished paying them off to the housing association. we have now received a citation informing us of a summary cause court case to attend, at the bottom it says this. the pursuer respectfully moves the court to recall the sist pronounced in this case on…
Is anyone ever "happy" they got into debt?
Ok so happy might not be the right word but is anyone grateful or glad they got into debt? I am for the simple reason of i am 23 and because i have been in debt i now realise the importance of money and how you can get it to work for you and i can't wait to start saving. Anyone else feel they have learnt from being in…
Things going from bad to worse!
I recently was on here saying how despite making minimal monthly payments to my creditors I was struggling ,and that I would contact probably the CCCS for advice etc as I was struggling due to my daughter being seriously ill. Well the phone call wasnt made.I had wriitten to a few creditors re my situation and offered token…
Are you ashamed of having a 2nd job?
Well had my 2nd night at the bingo hall tonight and I have to say its alot easier than the working in the pub! But what has made it easier is that I know that there its hardly likely that someone I know will walk in and ask why I'm doing what I'm doing....perhaps this is why OH didn't want me to take the job in the…
IVA and a Sucured Loan????????
Hi all, thinking about getting an IVA for my debt , and to cut a long story short i was just wondering if i can get an IVA set up as the biggest part of my debt is a loan which is a secured loan. I was told you can only have an IVA with unsecured debt? Any advice would be grateful, thanks…
June £100 Challenge Spend - Now till 25th
Spending in the last month or so has gone a little wayward and am finding myself sat in the red each month, not massively but by about £200-250 and it annoys me. So this month i intend to spend £100 on food and other stuff maximum, now the usual household bills have gone out, and keep a mini diary of it to ensure i keep a…
Debt Free Me's New Plan and Challenge
Hello All Right, starting tomorrow, I have a new plan and challenge, which by fluke has been timed quite well. I remembered that if I save approxiamtely £5.5k by the end of 2009 (I need to check out the actual settlement figure on my letter, can't find it at the mo but that's around the mark) along with my monthly…
Finally admitting I need help....
As you can see this is my first ever post, I have been a lurker for a long time, or perhaps in denial is a better description!! Anyway I have recently started going down the self negotiating route, as CCCS/Debtline said I didnt have enough disposable income to go on to a DMP. I wrote to my creditors enclosing a budget…
In a pickle, dont know where to start!
Hi I'm newish to the site, well have done a lot of lurking but have only just managed to pluck up the courage to post :o Basically to give a bit of background, I'm 24 a single mum and in a financial mess! I have just started a new job which I will be payed for at the end of July, I HAVE PREVIOUSLY BEEN ON benefits for 3…
New to the forum and need bit of help!
Hi all, Not sure if this is the right place to post but thought a good a place to start and hope you can all help point me in the right direction. Well in brief I owe £17,000.00 on 3 credit cards and £22,000.00 on loan if settled now and £32,000.00 is went to the end of the loan term. I have already contacted a debt…
What shall i do ?
hi all .. my finances are in a bit of a 2 & 8 .. i am approx 27,000 in debt , i am paying min payments on my CC (owe 8 grand) etc etc . my outgoings every month are 1600 , and that is before we eat or clothe the kids . we struggle every month , and so far we have kept our heads above water . but my works are cutting back…
Demand For Payment help please
Hi all, Could I ask for a little help please. Am I right in thinking, that if you get a letter from a collection agency, in this case it is LCS Civil Enforcement, that they have to prove this debt to me when requested? I received a letter posted on saturday saying that I owe £323.87p (not a lot I know), I called them and…
dmp confusion...what do they mean...?
Hi all Had a bad weekend, kids set fire to the garden, I have no water til tomorrow, I am pregnant and all alone with a toddler! Anyway..... After lengthy sobbing sessions with cccs my dmp started officially today, being the 1st payment date. I wrote to my creditors, Alliance and leicester - £13300 loan 7.9% and…
My attempt-at-being-honest-about-how-much-I-spend-in-the-hope-to-reduce-it diary
Seeing as we're in July tomorrow and I was really naughty with my money yesterday and today I decided to log all my grocery and 'essential' spending in the hope that it might make me see where I waste it and where I can cut back. I was going to start this yesterday until I went to the shop for some milk and came home with…
IVA and a SECURED loan????
Hi all, thinking about getting an IVA for my debt , and to cut a long story short i was just wondering if i can get an IVA set up as the biggest part of my debt is a loan which is a secured loan. I was told you can only have an IVA with unsecured debt? Any advice would be grateful, thanks
spam.jam addressing my debts diary
Ok, I am taking the plunge. I will write up my spends etc after my exam on 14.07.08 when I have more time Debt today 3292.00 Love this site Good luck everyone
Ex company wont provide proof i paid them debt
My first post wondering if anyone can help. I worked for a company last year and left oweing them £226 i paid this before it went to court and had proof but lost it. I've done a credit search on myself and it shows i have a ccj. The court want proof i have settled it but the company wont send me proof so i cannot satisfy…
Please help - Barclays want money I just havent got
Iwonder if anyone can help. I have an old overdraft from an old Barclays bank account which after about 3 years they suddenly have called in. I have explained to them that I am happy and committed to paying this back, but because of other debts etc, I can only pay £50 per month. I have been doing this since Jan 08,…
Alliance & Leicester / Homecare Putting The Frighteners On Old Ladies!!!
:mad: My MIL was sent a new cash card. (It's a debit card for some reason where previously she had always had just a cashpoint card.) The bumf said she had to phone to activate it - so she phoned and they told her they'd put card insurance on her account against identity theft, in case anyone uses the card fraudulently and…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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