-
notice to newcomers part 2
Hi everybody. Over the last few weeks we have had a number of "troll" attacks on the boards. What is a Troll? A troll is a person that posts deliberately provocative, nasty or hurtful comments on threads. They may be a person with no previous connection to the board or someone that has created a pseudonym to get their…
-
Your credit card debts totally written off
I am here to tell you that I have successfuly managed to get some of my credit card debts wiped totally clean. Some of the credit card companies do not have the original agreement which I signed at the time, of if they do, they are so illegible that they can't be read. If the original contract was shredded but a copy kept…
-
Help ..where is My mad ebay challenge?
Help ..where is My mad ebay challenge?I always have problems finding this thread. I search forums ..is that wrong? bloomers5
-
Urgent bailiff advice needed!
I know its a bit late in the day but - I owe £538 in council tax, liability order has been passed. Removal team is on the way (allegedly). Bailiff says he can only accept full amount. I want to pay 138 today, 200 in a week and then 200 a month after that. He says he wont accept and they are coming for my stuff. Can he do…
-
Reply to a letter of Barclays
After requesting a default notice from the bank (barclays) i got sent a termination letter, i have written a respnse and was wondering if someone could check that it was ok? Dear Mr Conley, Thank you very much for your swift response to my letter. I would like to start by saying that in your letter to me previously you…
-
Im struggling motivation wise
I know its probably just an off day but im starting to struggle. I have a spreadsheet i keep looking at hoping something is going to change to make me debt free this year! It doesnt! I am stretched to my limit and there is no way i can add any more money to my debt without giving up food! :o :rotfl: I keep checking my…
-
Is this for real? Can you "buy" a bank account?
I am really desperate to open a bank account as have an IVA and currently run from a building society. My business is starting to do a lot better, but as a result I am doing a lot more transactions. Its OK to send money overseas, but not being able to do basic things like check my account on line, set up SO's and DD's or…
-
pap/moozies what have/will you spend mon 23 june 08?
Good morning all :j Hope you are all well and looking forward to the week ahead :) So a new week a new start. So today what will you spend? Remmeber martins mantra ~ do I need it? can I afford it? can I find it cheaper somewhere else? and try and keep it low :) Have a fun day/evening and take care
-
Bankruptcy - my car
Hello everyone, My husband and I are thinking of going bankrupt (we are currently in a DMP but the creditors are asking more money which we cannot afford). We were wondering if we go bankrupt, will the OR take our car away (est value £4,500 - 6 years old)? Also, we were wondering if the OR goes through all your statements…
-
What To Do??
After reading numerous posts on here over the past couple of years, I had a kind of Lightbulb moment a couple of years and am currently working hard on clearing all my debts. My debt free date is March 2009, but possibly sooner :D My current problem is not so much a problem, more a dilema. I have to pay my insurance for my…
-
Debt passed to DCA - advice please
One of my creditors, Bank of Scotland (a Preference account), has already passed my debt onto a debt collector - Blair, Oliver and Scott. Am I right that these are just another part of BOS? They have sent me what I assume is a regular letter wanting payment straight away or asking me to phone them, which I'm not going to…
-
Problems with Eversheds
Hi Guys, Would any of you kind ladies and gentlemen have a look at a thread posted on the Bankruptcy board about problems with Eversheds. http://forums.moneysavingexpert.com/showthread.html?p=11930257#post11930257 This is the body of the text from Goldflower Hi, 1st time on forum-please bear with. Have got a bit of a debt…
-
Cca Requests / Successes
hello again , as you know I have a thread for CCA request results . Now can I ask for your successes please . After being hassled for months by a DCA , I requested a copy of the CCA . They closed the account and returned it to OC . The account was for around £7000 . Comments can be posted on my other threads please .
-
Monday 23/06/08 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…
-
Daily Chat 23rd June
Hey everybody I seem to be making a habit of this:D How are you all? Well done to Maz and Buffy for the RFL yesterday:T Today I am starting back my diet and fitness regime....I did already register for the moonwalk ....so just in case I get an entry I better make a start.:cool: Thanks also to Squizzer for the link…
-
Clearing Defaults
Hi, I'm not sure this is the right forum but was hoping for a bit of advice, I currently have debts in the reigon of 13.5k. The vast majority of this is non priority. By the end of the year I will have cleared what I owe on my priority debts & am managing to meet my minimum repayments on my credit/store cards ect. I am…
-
Clearing Defaults
Hi, I'm not sure this is the right forum but was hoping for a bit of advice, I currently have debts in the reigon of 13.5k. The vast majority of this is non priority. By the end of the year I will have cleared what I owe on my priority debts & am managing to meet my minimum repayments on my credit/store cards ect. I am…
-
Sky callout charge
Hi, I'm a newbie so don't know if this is the correct place to post but I have a money saving question please. I recently moved house and contacted Sky to fit my multiroom into my new house. Booked a time slot of between 8am and 1pm. Engineer didn't call on the day to let us know where we were in the queue, and turned up…
-
Lloyds TSB Credit Cards - what DCA?
I fear my credit card debt with Lloyds TSB may soon be passed to a DCA as I'm nearing the end of a six month reduced payment plan - in the letter confirming the payment plan it says it's a "one time offer" I have two questions if thats okay: 1. Will they consider extending the payment plan do you think? (I've never missed…
-
My SOA
[tt] Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1000 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 398 Total monthly income.................... 1398 Monthly Expense Details…
