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Downward Spiral...
Advice needed urgently please!!!! I have accumulated £22000 worth of credit card and overdraft debts. I started off really well last year, I was comfortably paying bills, enjoying a social life with money to spend on occasional sprees in Primark! I have 2 properties one I live in and the other I rent out which I was making…
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help with getting rid of debt
Hi all I am a house owner (sole mortgage) and last year went through the hounding etc of repaying my debts which i know is only fair as i have racked up the debt. I have been paying my creditors with accepted payments for last 12 months and been left alone really. I have a debt of approx £45k unsecured on credit…
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DCA trying to get phone numbers
Just a quick one... I am moving back to the parents for while to help me pay back my debts and my Debt collectors currently don't have a phone number for me - and I want it to stay that way. However, I obviously share my surname with my father and once I have moved back there it won't be too difficult for them to get the…
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Nearly paid off credit card!!
I`m so pleased with myself, I owed nearly £4000, and am now down to owing £120!!!!! Paid what I could when I could and it suddenly seems that the pennies do indeed look afer the pounds! :D It`s taken me nearly 3 years, as I`m on disabled and on benefits. To anyone else in this situation, stick at it, you can do it!!!! :T
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I have a problem...
Hi everyone, I usually read through here alot, but post less often. I have a slight problem that I was wondering if you guys could help me with. I'll start at the begining! I have a current account with HSBC, though decided to transfer to A&L recently. I have a £1000 overdraft with HSBC, which they've decided to start…
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Insomnia Ends Here DFW Diary
X x x x x x x x x x
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Do I declare my joint loan
I am in the process of setting up a DMP with cccs and am not sure whether I need to include a joint loan I have with my husband on my list of creditors. I have a joint account with him also at the same bank as the overdraft I have declared from my own account and cccs have advised me to get my name taken of the joint…
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Advice Please - End Of Car Contract Period
Hi Everyone. Come January 2009 I'm about to end a four year HP agreement with Merecedes financial services on a C class. They've just written to me inviting me to visit my local dealer to perhaps trade it in against a new one. Pigs will fly ! The car cost £35K new and is now worth no more than £9K. My problem is that they…
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lotto @ work
:mad: Recently at work, we started a lottery syndicate. on wednesday we put our first lot of tickets on and won a total £3579 - comin in at £275 each on thursday this was reduced cos the person who set it up decided that we should each put the £5 on for the forcoming saturday draw (something i was against, but i aint gona…
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Slaying my debts, the second year
I realised the other day I have been on MSE for a year now. I can honestly say it has changed my life completely. Not only in terms of money but in terms of my personal life as well. I hadn't really thought about where my life was going or what I wanted to do for a long time. This last year (espcially the last month or so)…
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KPR debt collection agency (Nationwide)
My nationwide credit card account has now been passed to a company called KPR debt collection agency. They said a default will be automatically registered unless I clear the full balaance owing. However, then I proposed to clear the arrears today of £565. They agreed to stop the default if I cleared the arrears. I today…
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lowell dca help please
hello hope someone can offer some words of wisdom... my husband has an a debt with lowell (cap1)and has been paying monthly installments since may. he then got a letter from them saying he owes them money for shop direct group, he has an account with additions but is paid well, no problems. a few days later a more…
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my first soa
hope i have posted in the right place Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 0 Benefits................................ 760.8 Other income............................ 0 Total monthly…
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My new SOA - Need help
For various reasons we've had to move house. The new place is more expensive however and the budget works out at having something like £17 left over each month, this doesn't cover things like new clothes, school trips etc etc. With non-monthly costs like car tax etc it's a minus figure. We're thinking about reducing or…
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DCM Apex
Hi! I was wondering if anyone has had any dealings with DCM Apex (or Money Solutions)?? I have been using them for some time now and I'm not sure that I can believe everything they are saying?? I just wanted to get some feedback positive as well as negative from any one else's experiences. Thanks a lot.
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Do you ring or write to ccj creditors?
hELLO,I am driving myself a little mad with trying to sort ccj,s.I have money to sort 3 out of the 4 I have,do I write to the companies or is it ok to ring them.I only have the court referance numbers no account details or referance nunbers.I am trying to get my head round my debt and feel so stupid as I have not got…
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it would appear i've got a job peeps...
oh my god oh my god oh my god........ they've offered me the job.... I'm feeling a tad scared!!! biiiiig step to take next... got to shoot out now but do i take it or do it not... aaaaarrrggghhh!!!!!! excited but absolutly terrified!!! P xxx
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Debt Management or Do it yourself
Hello We have got ourselves into a lot of debt. I have been seeking advice but am unsure whether to go through the CCCS low start payments, or to do it myself by sending letters and arranging payments directly with the creditors. Is there any advantages in either? Have attached SOA. Many thanks. [tt]Statement of Affairs…
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Friday 22/08/08 What small dfw thins 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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Pap / Moozie's What have / will you spend Friday 22nd August
Goooooooooooooood Morning:D I am away later this morning for a few days with some friends at a competition weekend so won't be around until next week. I won't have access to a pc. So I expect some money will be spent (food is already paid for as it is included) but a few drinks may be bought:rolleyes: keep it low whilst I…
