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72k in debt....I feel sick
OH MY GOD...that's the figure that the CCCS gave me yesterday....I think that's my LBM right there!
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Help got letters from debt collection not my debt
Hi my oh got 2 letters this morning from a company called debt managers limited. One in his name and on in his and his x wifes name who he hasnt seen for 7 years. He has no idea what these debts are for . Should he ring them to find out or would it be better to write? We have been together for 5 years so they must be from…
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Shared account for partners with bad credit? Suggestions.
Hi. Thanks in advance for any suggestions/advice. Situation is this. I am on a DMP with CCCS which is ending in 3 1/2 months, hurrah! I will finally be debt free. My wife has a fine credit rating. We want to find a way of having both our wages paid into one account. Does anyone know of a way we can do this without…
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last occupant problem debt
have received mail for last occupant relating to a debt they owe have had a few letters about this debt and have always phoned the no. on the letters to let them know that the person no longer lives here been told many times that the records would be marked with this info and yesterday received an instruction to summons no…
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This No. Keeps Ringing Me
I keep getting calls from this no.08708503492.It's been several times aday and no one ever says anything.I have searched it on Say No To 0870 and it says it is Royal Bank of Scotland debt recovery.I don't have anything anywhere outstanding and nothing with RBS. What do you think I should do,any ideas to getting the calls…
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Asda/Tesco price war this weekend cheap shopping for DFW's
Hi this was posted on PTS by Nicola29, thought I'd share with those struggling with food shopping at mo. ASDAs offers are.... This weekend only.... 50p kg of Bananas 50p 8 Asda brand pork sausages 50p Smart price mince 50p 800 gm White Bloomer 50p was £1.98!!! Piel de Sap Melon 50p Smart price half dozen eggs 50p per kg of…
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Pap / Moozies What have/will you spend Friday 27th June?
Good Morning Everyone :D It's Friday _party_ :beer: :j :T it's been a long week! I don't envisage spending any money today - hoping for a much needed NSD Have a lovely day & don't spend too much:naughty: :p
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Daily Chat Thread - Friday 27th June
Hi Couldn't find the daily chat anywhere so thought I'd set it off this morning. Weather is lovely and warm here at the moment. We're off to the Nelson Mandela concert in Hyde Park later today so fingers crossed the forecasted rain stays away. Have a lovely day everyone.
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DCA charges
Hello all. A little bit of help is needed here. I have an outstanding balance of £1800 on my student loan account that has been passed to Mackenzie Hall and the debt seems to have shot up to £2400. The loan company and Payplan who are acting for me say the debt is £1800 so it seems Mack hall have added on £600. Can they do…
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CCA's How do I do it?
A friend mentioned to me last night that I can request a CCA (I think he said it stood for Consumer Credit Agreement) for £1 from the credit card and loan companies I owe money to and if they cannot produce one then I am not liable for the debt or it is not legally binding or something. Can anyone shed any light on this? I…
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I have finanlly done it
I have finally done it As of today, I am officially debt free. Thanks for all the support and guidance you have all given me Although I havent posted very much on this particular board, I have been lurking and reading. I have come along way since originally posting my SOA and the help that I got back then was just…
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Unexpected payment in current acc???
Morning peeps, ive had an unexpected payment in my current acc this morn, had to give tax credits some info bout OH work, there was a period where he didnt have a job for about a month and half during our current claim - sent this info back to them as requested and today weve had 2 payments into account about 388.00 - does…
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F&F Settlement Response
Hi All I wrote to a DCA with a F&F Settlement Offer, they came back to me with a counter offer which was 85% of the original debt. I stuck to my guns and offered the 30% again (im hoping they will go down to 50% roughly). I got a second response which sounds like a template letter they send out as it says its not…
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Soooo Soooo Close i can taste it
I've nearly hit the £50,000 and feeling good. A little push this month and i'll be well under. if i can carry on paying off £1000.00 a month (including saving intrest) i'm gonna do it. Woooo Hoooo!!!!!!!:j Any posters out there with any pearls of wisdom??? To the those who dont think its much :tongue: Every little battle i…
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The DFW Glastonbury Weekender Thread!
Happy friday!!!!!! The weekend is finally in sight and so begins the DFW weekender thread, suitably glastonbury themed to help make anyone who wanted to go but couldn't afford it be more at home... We're just missing on ingredient..
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Friday 27/06/2008 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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Help! ANY ideas?
Hi, I'm new to this forum but not the site. Briefly, to save people wasting their time, I have taken the important steps towards getting my budget fixed: Put a SORN on the car - no car costs, dropped every non-essential outgoing, switched mobile contract, got half-price modem (my lifeline to here and eBay) Made an extra…
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New Deal Is A Shambles
hello all, im currently on a New Deal programme, (ive been unemployed 6 months). from day 1 it has been a complete waste of time. i have tried and tried for work and at the moments cant seem to get anything yet when i was in work it was so easy to move to another job :( . anyway as i was saying im currently on a new deal…
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QOL's pay off 15000 by xmas thread.
I have set myself a relatively tough challenge of paying off 15000 by xmas. Im lucky in that I earn pretty good money from a couple of businesses, one of which involved having dollops of coins hanging around. Im also expecting a payment of 7500 some time soon which could halve the debt if im disciplined enough to use it..…
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sorry for being a pain
hi i posted my soa yesterday but not really sure what i need to do to get the ball rolling, sorry if im being impatient:o
