-
what bank account ? please help
I am thinking about opening another bank account which i can put money in and spend it for everyday spending /food shopping etc. I am with CCCS i was with Lloyds TSB before i went onto a DMP so the bank account cannot be linked with Lloyds . I opened a HSBC current account when i went onto the DMP but i have all my direct…
-
Credit rating advice please
Hi all, I am up for a remortgage early next year as my fixed rate finishes. Also I am looking to consolidate some debts for easier payments. I have applied for a few loans and been turned down recently so checked my credit report and have discovered that there is a default on the record. I have lots of green 'Satisfactory'…
-
Sunday 22/06/08 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…
-
Hooray - Today's the Day
:j Hi peeps, it's my birthday today, and for the first time in a long time i'm looking forward to it! This is the year for cutting a chunk off my debts and to hopefully becoming a slim-jim :T Off to the extortionate garage now for some teabags (not very dfw), as went to get the second half of the box out of the cupboard…
-
Sunday 22nd June *Daily Chat*
Good morning lovely people:hello: Awakened this morning by the cat crying for her breakfast at 7am, I couldn't ignore her though she is 16 now and as we lost her companion (Tess) last year she is now my special "baby". Well after that cheery start:rolleyes: I hope everyone has a lovely Sunday. I plan to finish off some…
-
Need help re extotionate fuel bills
Hi I've not really posted much before but have been reading with interest other peoples SOA's - particularly regarding Gas & Electric bills. We've just had notice that our direct debt (with Scottish Power) is going up to 222.50 per month! This is dual foal and the rears are minimal - a hundred quid at most. This is usage!…
-
Need help with Debt !!!
Hi all, I've just posted in the Mortgages section for some advice ,now I'm looking to you guys n gals for help. As it stands we have 3 debts £3042,£1032, £986. The first ,£3042, This company took us to county court and I sent back with the documents a SOA that I had done with the CCCS. I didnt hear anything for a couple of…
-
ex debtor laughing at dca tactics
do people actually fall for the silly tactics and tricks of a dca ?? if so why??,i know people are worried and desperate but i use to get phone calls (set the answer phone then changed number) they sent silly post cards binned them , sent letters shreaded them, offered all what i could afford sent it and ignored all there…
-
Would you borrow money from your child's saving account??
Hi all. I'm a long-time lurker, but this is my first post. Quick bit of background, I'm married with two children (aged 4 & 6). My husband works full-time, me part-time, and our combined income is in the region of £29k. We owe around £5k in total on two credit cards. We've been trying to clear them but rarely manage more…
-
bamboozled!
:confused: firstly very sorry if this goes in wrong place, and if it's moved thats fine but wondered if anyone can clear stuff up for me ....i have been lookin round the sight and there seem to be lots of 'similar' cases but i need specific help and advice if anyone would kindly offer me any ;) please?! i had a card with…
-
bamboozled!
:confused: firstly very sorry if this goes in wrong place, and if it's moved thats fine but wondered if anyone can clear stuff up for me ....i have been lookin round the sight and there seem to be lots of 'similar' cases but i need specific help and advice if anyone would kindly offer me any ;) please?! i had a card with…
-
Pesky Debt Collection Agency.
Hello. I've not been here for ages :o I hope someone can help me with a problem. About 6 years ago I went on holiday and when I came back I opened a letter that said something like "Thank you for your order but we can't dispatch it till you've paid for the goods you've already recieved." I look at the invoice and its for…
-
Completely honest SOA...I feel sick!
I posted earlier today regarding the debt collectors from NCO wanting to come to the house so thought I would now do a Joint SOA for me and my OH and it doesn't look good at all! Monthly Income Details Monthly income after tax................ 450 Partners monthly income after tax....... 0…
-
Why do some loans/CC end up in court, and others don't?
Just wondering really as I noticed some people can claim statute barred if they have not acknowledged a debt for over 6 years and others can't if there was ever a CCJ registered against them. Surely all loan or CC companies would take you to court if you didn't pay wouldn't they? Like I said, just something I have been…
-
Soa
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1500 Partners monthly income after tax....... 1500 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 3000 Monthly Expense Details…
-
Groceries - and adult children's contribution
Hi, I posted on here a while back and thanks to the advice I received am making inroads into my debt and getting my life sorted out. My son of 21 is now working again and we have had the usual debate about how much he should contribute. He thinks that because he contributes, I should buy the stuff he wants, not the stuff…
-
Please someone kick me up the bum!
Hi all, I haven't posted on here for ages, I have had a really tough 5 months while my business was struggling so have spent all my savings and haven't made any more payments to my debt. Business wise things are better for now but I need to get back in control of my finances so I don't end up getting into more debt. I've…
-
Where do i stand?
At the moment i am trying to remove a defualt notice from my credit score (experian) and to do so am using template letters outlined on this site http://www.learnmoney.co.uk/credit-cards/remove_default_notice.html So far i have sent the first letter on the page and have recieved my reply, the reply was as follows…
-
removing default notice from credit score
Hey peeps, i am trying to remove my defualt notices from my credit score, what i am interested in knowing is, are termination notices the same as a defualt notice? Thank you for your time
-
What's the BEST thing to happen to you today????
Ok, I'm tired of all this doom and gloom recently that seems to bombarding us from all angles and I believe it's time to start concentrating on all the good, important, HAPPY, kind, thoughtful, wonderful things that happen to us on a daily basis, no matter how small-hopefully this will rainse the spirits of all of us…
