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Please please advise me! Panic-stricken.
Hello all, I have just had a card in the post from MBNA which said someone would be calling to my house today! I rang the number and insisted no-one calls around EVER. The operator confirmed that no-one would call at the house. I also asked them again to stop ringing me. They said they couldn't stop ringing me as they're a…
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Why is it my richer clients drive old bangers?
I cant help noticing that my clients that are comfortable, even wealthy, tend to drive modest cars such as; Old Volvo etstaes Old Audi estates A typical client of this ilk will be a professional, tends not to worry about clothes too much, and is modest and under stated. They would not for example wear anything with a large…
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Overdraft
I have very minimal debt compared to everyone else - a £1600 overdraft - but it's getting me down. I was made redundant and had to take a lower paid job out of desperation (i'm literally earning half of what I was). I have cut corners in many parts of my life but am still struggling, and am not sure what to do next. I have…
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Moorcroft and Intrum Justitia bank details??
Hi all, has anyone gt the bank details (ie. account number and sort code) for the above companies? I'm trying to set up a standing order but am finding it hard to find the details. Many thanks. xxx
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Council Tax
My fella was unemployed for a year or so and on benefits. He was exempted from council tax from December. However the council have made a mistake and recorded that he only started claiming benefits in May of the next year. So the council kept claiming that he owed them over £400. He sorted it out with them, but by then it…
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i want to help others in debt..
Hey, I dont really know if this is the right place to post this..but here goes.. I have verged to almost bankcrupsy but mangaged to some how get on top of everything. i have worked really really hard on my own to get things back to an even keel. Luckily I ve had some great support and I ve been very pro-active because of…
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Expert help needed please
I am trying to help my friend who moved to this area about 3 years ago after spllitting up with her husband in Scotland. It seems she was given some dodgy advice from a solicitor about what she could expect out of the divorce and bought a house based on that. Obviously things havent gone according to plan. Her house has…
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How to work out interest rate
can anyone help me work out the interest rate as I am trying to do the snowballing calculator I am not very good at theses things the monthly interest rate is showing as 0.723% to work out the yearly do I have to just multiply by 12 might sound a stupid question but I am a bit unsure on these things thanks in advance
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Egg - what jokers!
Well in Jan i got a letter saying they were cancelling my agreement not to use my cards and to keep paying monthly payments, which i tried to do but had to default - CCCS sent them a letter with an offer now as far as i know they haven't accepted or declined the offer but today i got the same letter as January they were…
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i cant cope anymore
i cant cope anymore,im scared whats going to happen to me,as im still again od with bank because of recent cheques with the money shop,natwest have sent letters treatening default for account and loan,my cards been cancelled and they said if any more items are presented to my account its a criminal offence,am i going to go…
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I need advice!!
Hi, I've never posted on a forum before but would be interested if any one has some advice out there. Basically we owe £25000 on credit cards and are going to get a secured loan to ease the pressure. If we do this we will still be over spending by £200 per month. Is this a too risky step to take? We have 3 children and do…
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Scotcall...
Well, I'm finally getting somewhere with my debts, I'm waiting for some full and final settlements to come back etc so I'm on course to sort everything out HOWEVER! I've received a letter from Scotcall and its a doorstop collection notice - now i've emailed them and sent them a hard copy of a letter a fellow MSE sent me…
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I've just cleared my first debt and boy it feels good! Thanks for your helo
sorry help!..okay so it was only Ebay for £33.43 but its money i didn't have and wouldn't have had unless i started the payment a day challenge on here! its one less horrible letter to get through the post my tip is that if like my bank they wont allow you to make electronic payments under £2.00 transfer the pennies…
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Paying off debts and credit rating
Hello All, I'm not sure if i'm on the right board here so please point me in the right direction if i'm not. I have a hypothetical question to ask and would appreciate your feedback/advice on it please. I currently have a credit card and a loan which have approx. £2,000 on each which i am working to clear asap. I am aiming…
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Help! - Which do I pay?
Hi Hope we are all well I have some confusion with my Nationwide Credit Card. I need to pay it off today as I got a letter saying the collectors will be round in 72 hours to get the money! :eek: If they are unsuccessful they will send in the debt collections agency :eek: :eek: Anyway the letter from Nationwide CC informs…
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Cca
Hi all Can any one help me I have been reading other posts on CCA requests and the most part I underdtand, but I dont understand is the part about the courts taking action to make the company or if all is in order myself pay. is this a ccj, want happens if the company looses is the record wiped from your credit score. I…
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Thursday 21/08/08 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…
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Pap / Moozie's What have / will you spend Thursday 22nd August
Goooooooooooood Morning everyone:D Another wet August morning -roll on December when we may have better weather:rotfl: Hoping for a nsd today- gooooooooooooood luck and keep it low:D
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*Daily chat Thread**21st Aug 08**
Me laptops broke! Having to sit in pokey office at home to write this.... Anyway off you go - flylady your way round the house... Thursday Throwout!!- Master Bedroom & Landing Level 1 Check fire alarms are working.. mine needs a new battery Remove and wash bed linen and duvet covers. Fling open the window and let in the…
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The Way Forward...Advice Sought!!
Hi everyone, Not sure if this is the correct forum to post this in but here goes! My wife and I (43 & 38) have over the last 10 years managed to get ourselves into a stupid position with huge debts. We both have good jobs and our current joint income is about £58k. We are currently in a payment arrangement with Payplan for…
