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overdraft charges v new loan
i know consolodation is bad bad but ... i have an overdraft of 6k which i am currently paying £100.00 a month off but am getting charged 80 -90 a month interest. ( so getting no where fast) my o/h has offered to get a loan or 0% c.card in his name that would be my responasbility to pay etc. (he has no denbts and good…
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Money Worries - debt management
Hi - I'm after some advice! My sister is about to use a company called 'Money Worries' to sort out her monthly installements on various debts (she's not going down the IVA route). I just wondered if anyone had any experience of this company and if they do anything that she couldn't do for herself using the CAB or National…
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My SOA as promised.
I created a post "consolidate or juggle" and I was advised to post my SOA. I have done so now and would like some advice if possible on where I'm going wrong. I never have any money and never pay all my minimum payments because of lack of funds. This will change but advice is appreciatred Statement of Affairs and Personal…
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General progress being made.....
Hi All, About 4 weeks ago I posted on here about my SOA and I got some fab advice. I thought it was time I followed up on what I had done....something of a success even if it is only early days. following the SOA post,which was spawned by a change over of bank accounts and the bank stopping every single bill without…
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Well... Today is the day....
After reading some of your views on here, I have decided along with my other half that today is the day our finances are going to turn around... (Hopefully) Soooo.... With that in mind I have used the SOA calculater and put the results below, Any help is much appreciated. We currently live in Housing Association property…
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How much does a finance Co buy a debt for??
Hi we have had our house repossessed and CL Finance have a charge on it. We think it was for a five thousand loan that we had with the HSBC. Does anyone have any idea of the likely amount CL Finance would have paid for this loan as we dont want them making a profit out of our misery. Any tips or advice would be very…
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uuuurgggghhhhh!
:mad: So annoyed at myself! Have gone and got a bank charge today cos ddnt check my account properly. £35 down the drain :mad: Also have update spreadsheet with new wages as had to cut down hours at work and my debt free date is not for another year now and that is only if I continue killing myself working til midnight 4…
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Mortgage arrears - letter from Nationwide Counselling Investigations
Hi, we've got arrears with our mortgage and will be going down the voluntary repossession route. Today we've received a hand delivered letter form Nationwide Counselling Investigations saying: 'We have been instructed by your above lender to meet with you in your home to discuss the arrears on your mortgage. Unfortunately…
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Does anyone have these contact numbers?
Hi im trying to set up a dmp with cccs but i need to find out my balances and account numbers as ive been with a fee charging dmp for a few years now i dont recieve post from them anymore could anyone please let me know if they have the contact addresses or even better the tel numbers for Lewis debt collections this was…
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ccj help
Hi, Does anyone have any idea of how I can find out the details of a ccj? (which court/debt/year etc) Pref without having to order credit file or by contacting the DCA? (tall order, I know :o ). Thanks to anyone who can help.
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Wedding on a tight budget? check this out
I have just had my book delivered and i'm thrilled Basically you download the software import your photo's and design the book, you can write comments change colours cut/edit the photo's and design the front and back cover - i did the 8 x8 for my holiday photo's (it was our first as a family) and it took me about an hour,…
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What else can we do?
Current Situation: OH Mint Credit Card (0%) - £771.75 - £70 monthly payment - 11 months left Virgin Credit Card (0%) - £926.82 - £70 monthly payment - 13 months left Barclaycard 1 - £45.23 - will be cleared on 9th September Barclaycard 2 - £2988.75 - £85 m.payment - try to pay atleast £100 monthly Barclay Loan - £1247.62 -…
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abbey overdraft charges
in 2003 i used my debit card to buy a sandwich in a shop and ended up exceeding my balance , i had specifically asked my bank (abbey ) at the time of opening my account i did not want an overdraft facility , but i ended up in the red , at the time this was happening i had been made homeless and had lost my job , i was not…
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Heating in the winter - whats best
Guys I live in a flat with no central heating, I tried storage but they are so uncontrollable when it comes to being too hot! I've looked around but i don't know what i need - i want something that is electric (no gas supply), that heats a room quite quickly and doesn't eat the electric (!) what do people recommend?…
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woohoo! i am now under another thousand mark!
woohoo my debt is now officially £34,815.90. yay!:jso i have cleared £4000 in 6 months not bad at all!!even if i say so myself!and.... i am right on track to be debt free by the time i turn 30!!!!!!!
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PayPlan Getting Me Deeper In Debt
I have had several of my debts listed with PayPlan for approx 3 years now. Everything had been running smoothly until Great Universal sold my debt on, they changed the account numbers and then bought it back again!! This happened over the course of about 8-9 mths. All the correspondence I received regarding this debt was…
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Can anyone on a dmp with cccs give me some advice please
Was just wondering if anyone could offer me some advice on cccs i have just done their debt remedy after being refused with payplan theyve suggested a low start debt management plan but do you have to sned all th epaper work off yoursefl ? was just wondering as it shows how to work out pro rata payments you shouls make…
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Just done our SOA- not good
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 1100 Benefits................................ 736 Other income............................ 0 Total monthly income.................... 1836 Monthly Expense Details…
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Debt Help/advise
Hello all, I need help, not to sure what the best way is to manage my debt/finance, can you offer any advise? here is my finance/outgoings/income: Credit cards: MBNA 2000 80.00 per month Abbey 2000 5.00 per month(4 months 0% left) Citi 750 20.00 per month Barclaycard 2050 46.00 per month Loan 3887 106.00 per month (3rs…
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Finally getting myself sorted? Just the misses to go!
Well as the name suggests, I think I'm getting myself sorted. Here is my plan of action 1. Now i ave been accepted for a tesco club card plus account, transfer budget for food and petrol onto this card for the month, and not go over!! 2. Hope the barclaycard that I have been provisionally accepted for has a big enough…
