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Advice needed please.
Been reading on here for a while and have finally plucked up the courage to post my finances as I am getting stressed about an upcoming event that is going to put a strain on me and my family. So firstly here is a list of my outgoings and incomings:- CAR 189.27 WATER 47 HOMECARE 28 TV CARE 6.99 GAS & ELECTRICITY 80…
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The Daily DFW Thread Sunday 15th June
Morning troops :) Makes a change for me to start this one off! Up early again as the cats demand food/letting out/fuss at latest 8am... Having some breakfast before deciding what to do today... SO what ya all up to?
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Pap/Moozies what have/will you spend Fathers Day Sunday 15th June ?
Morning :D Happy Fathers Day to all the Daddies out there:beer: :T I shall be visiting my hubbys dad later, but my daddy is poorly & doesn't want to give us his bug! my hubby is away, have sent him a pressy BFPO, but he still hasn't got it :rolleyes: never mind. Can't see me spending any money, so should be a NSD:T
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Please help!! Bankruptcy
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Sent letter already to Debt collector can I still send for CCA?
A bit worried now, will this comment in a letter I sent affect me recieving a CCA or being able to go down this route as I have basically said the debt is mine?: the woman I spoke to suggested I wrote you a letter to inform you of the current situation. She also suggested that I send you a list of my incomings and…
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Bristow & Sutor/Council Tax Question
Hi, I have been having relations with Bristow and Sutor over outstanding council tax. I've been an avid reader of here and have followed some of the advice given in other threads but have now come to a bit of a stumbling block in my debacle. Here's the story so far, it's long-winded... I had council tax arrears from 2…
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Moorcroft Debt collector..
One of my debt is a £ 3086 credit card debt from halifax that until 3 month ago i havnt paid much off since i defaulted in 2003, moorcroft sent a collector round with a card, we agreed that i pay £20 a month and i have been doing so, until today he turned up and due to car bills and tax etc i have nothing much left and i…
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Scotland legal advice Debt collector Please
Hi there, Im looking for some legal advice please. I own a flat which I rent out and went to a double glazing place to ask if they could cut 2 circular holes in a double glazed window so that an extractor fan could be fitted. They told me this was impossible so I asked that someone come to the flat to advise what best to…
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HSBC Managed Loan>Advice Please
When I was aged 18-20 I got into quite a lot of debt. The main debt being my loan to HSBC bank. It started as a flexi-loan of about £1500, then £3000 and then the full £5000. I then must have borrowed a bit more (I really can't remember, bad I know :( ) Anyway, I struggled to pay the loan each month so they took away my…
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Please please help.
I believe I have a debt problem and not a debt crisis but il let you be the judge. I have listed my income and outgoings to give an estimate of where im coming from. I earn about £1300 working two jobs my expenses per month are 1000 overdrawn on my barclays graduate account Car Insurance at £145 pm Bcard bills totalling…
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giving up choc/sweets challenge!!!
Hi all!! I've noticed recently that a "giving up unleaded" thread was started and we've already got giving up alcohol and smoking! has anyone thought about giving up chocolate and sweets to save money? i've already given up alcohol and dont smoke lol so the next vice that i spend a lot of cash on is sweet stuff!! anyway i…
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pap/moozies weekly spends challenge ~ w/c 15th June
Welcome all... I hope you have had a great week and kept it low... and are you ready to be turned red/green? Everyone can join, just post a target in keeping with you/your debts/your spends, don’t worry about everyone else’s budgets. Then each day post on the daily spends thread and add them all up ready to post the…
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Why are we always in the wrong
Sorry just having a general moan. I've posted on the PPI thread but haven't cooled down yet. The misses has a storecard with Debenhams and she's been paying PPI for 12 years. They sent me a copy of the CCA which clearly shows she didn't want it. The lying sods have said she requested it over the phone. Complete rubbish! My…
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Where do I begin with my debts???
I opened a think banking account to try and help but it's proving a lot of hassle. I owe around £1900 on an Egg card, 0% until I believe May next year. Around £4000 on a LV card (but £3000 is a friends debt, yes I know bad idea don't ask :( ) plus £1000 in HSBC overdraft, around £600 on Additions (£300 is the same friends)…
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Changing your phone number
Hi, anyone out there know how to go about getting your phone number changed? I'm with talk-talk .
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A bit of financial advice please!!
Hi Im after a bit of advice please. 10 months ago, me and my wife bought our first home. She inherited some money, at the time we had a little bit of Credit card debt so we paid that off, and put the rest down as a deposit on a house. The house was 240k and we put down 130k and mortgage for 110k on a 2 year fixed deal, we…
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Were do I start ??
Hi all, Would anybody be so kind to start the ball rolling for me, Tell me what info you would need and then help me put a plan together so I one day can be debt free. Thanks In Advance.
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loosing battle
hi everyone, just over 2 years ago my wife and i ran up unsecured debts of just under £15000 on various credit cards and unsecured loans. we were out of our depth and after some advice contacted pay plan, they were very good after going through our finances they came up with a repayment plan and negotiated with our various…
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Pap/Moozies What have/will you spend Saturday, 14th June?
Hi all - good afternoon! I had a look for this thread and couldn't find it - I apologise if it already exists (this is my first time starting this thread). So, I haven't been around this week due to lack of internet at my new flat, so here are my spends for the week... Monday - £1.50 on a Krispy Kreme! Oops... Tuesday - £9…
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Time limit on DCA collecting Council Tax?
Hey all I'm wondering about this thing that's suddenly popped up with Rossendales. According to them, a liability order was granted over a year ago for some council tax on my shop that closed. I didn't receive any paperwork whatsoever, and they've only just contacted me about it. Is there some sort of time limit on this?…
