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Debt-free wannabe

Archives for August 2008

Dmp Payment To Cccs Help Please !
hi all as my BF is self employed he has been let down with his pay this week ,which we needed to use to pay £265 to CCCS for his DMP ,it has to be paid on 1st of month . we will not be able to pay it till friday now (5th) is this a problem ? we are really worried about it and my BF is going to ring CCCS tomorrow to ask if…
Newbie...some cccs advice needed please!
Hi there! I've lurked on these boards for years now but have decided to register as I could do with some help myself. My partner and myself have set up a Debt Management Plan with CCCS just last week. They've been a brilliant help and totally taken the weight from our shoulders (my partner and myself have taken out the DMP…
Prove it! How long
Hiya all, Firstly this forum is just the font of all knowledge. Has helped me tremendously! Thats the creeping over with now my question.. ;-) I have sent a "Prove It" letter (as per the one in http://forums.moneysavingexpert.com/showthread.html?p=11570893#post11570893) to Low(life)ell. It has now been 17 days (they signed…
Can I pick your brains?
Have posted this on my diary, but don't think I would get a response there, so I am popping it here in hope! Have been chatting with OH about his finances a bit. He has a motorbike, which he bought second hand with a loan about 7 or 8 years ago. I don't know the full circumstances, but I know that unemployment, depression…
debt managment or iva
Betweeen myself and my husband we owe £40,000, loans and credit cards, it has come to the point where we have no spare cash, we never go on holidays, we often have to turn down invites from friends because we just can't afford to do anything, this has started to effect my health, i'm finding myself delving in depths of…
Ff ?
Hello peeps:D I am on a DMP and would like to start to think about offering FF for some of my smaller debts, I have 4 that are each less that £500. But would offering FF to the small debts upset the larger debts? I owe a lot to MBNA and I would not want to upset them in anyway. Any advice would be nice, many thanks:beer:
Help Needed-Won't cost you a penny but could change lives
I wasn't sure where to post this but as DFW is my MSE home I'm putting it here. Feel free to move it mods-but not until after you've voted please !! :) A very good friend of mine's teenage daughter in Newcastle was recently diagnosed with this devestating syndrome and has gone from being a healthy teenager to living with a…
Daily chat sun 31st aug
What no daily chat? What will keep me away from the housework?
Please help, we've hit crisis point
Hi, I posted a couple of days ago asking for help in finding a company who would give me and my OH a loan so that we could consolidate all our debts in one place. However, everyone who replied said not to consolidate and post our SOA. So I went to the site and did my SOA, and boy did it make me cry. I knew we were in a bad…
dealing with creditor
Hi, I have an old barclaycard debt that was passed from agency to agency over the course of a year, finally settling with me paying them £10 per month. I paid this for a year or so then moved house. Anyway to cut a long story short the debt got passed to another debt agency Apex Credit Management, and they have contacted…
September - The NSD Challenge
I searched and couldn't see one and Angeldiva hasn't been online for a while now so hope people don't mind me starting a September thread? Originally started by Wanttobeasaver in July http://forums.moneysavingexpert.com/showthread.html?t=1006651 And of course the very successful August Challenge by Angeldiva!…
pap/moozies ~ what have/will you spend sunday 31st august 08
Good morning all :j Its sunday ~ its the last day in the month :D Bit cold outside at the moment but I am hoping it will brighten up a bit later. So what are you planning to spend today? I hope you try and keep it low and remember martins money mantra :j Today will be a nsd here, have made a list and need to do some random…
Pap & Moozies what have/will you spend Sunday 31st August???
Gooooooooooooood Morning everyone:D hoping for a nsd today keep it low and have a fun Sunday:D
pap/moozies weekly challenge ~ w/c 31 august ~ everyone welcome
Every Saturday a thread is started where you all pledge a ‘target’ amount of money you will not exceed through the week, Sunday ~ Friday inclusive. Each day, if you can, come along to the daily spends thread and post what you have spent that day. We are all very supportive in there don’t worry. Then on Friday night ready…
Something Has Gotta Change
As we sat last night in a bit of an agrument, not with each other but more about the situation we are in I think it dawned on the both of us that something major has gotta change or we aren't going to be together much longer. Its not the debt that we are in, Infact its minor as we got most of it paid of earlier in the year…
Sunday 31/08/08 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…
What next?
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 720 Only just started this after 9 years as a stay at home mum Partners monthly income after tax....... 2100 Benefits................................ 0 Other income............................ 163 Total monthly…
inheritance tax and capital gains tax
do you have to pay inheritance tax and capital gains tax I will be inheriting property within the coming year. I know I will have to IHT. The property will be about 700,000 pounds. Would I need to pay capital gains tax if I sold the property within the year.
So, where do I start?
Hello all! After a couple of years of juggling debts etc I have decided that I need to try and get my finances in order. I currently owe £3800 on MBNA credit card at 0%, ending Dec 08. I also took out a £12,000 loan at 8.9% through A&L in March 07 (car and previous credit card debts). I took this out over 60 months and am…
Lowells/Hamptons Overdraft CCJ HELP needed please.
Hi, Firstly I'd like to say Thank You to this great site as it has already helped me reclaim my Credit Card charges. :beer: I'm hoping that you will be able to provide some much needed assistance to my girlfriend Chris. I've read alot of threads and have picked up a good basic understanding but could do with some relevant…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Debt-free wannabe

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