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I want to be debt free
My Debts As above, there is a list of my debts which are accurate to my best knowledge. I'm currently claiming back charges from Capital One and Vanquis hence the column called "Refunds" I am currently out of work at the moment, so not entirely sure on how i'm going pay a lot of these back, is there any quick fire ways of…
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Latest news
Hi some peeps might remeber me a while back when i was just starting a DMP with CCCS for the first time Just to keep all up dated No budge from lloyds TSB how ever i did get a lovely letter from there solicitors today asking to pay up full in seven days!! when will they get the message that i cant afford it!!:huh: well…
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Breaking News
my son got into uni finally ...after all the hassel hes had he has just phoned to say he got in ...he is going to be going to the same one as me so this will be fun ...just had to share
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Must stop frittering money away!
Went to local spa this morning with intention of buying 1 thing some 1001 for carpet. Found it bargain at £1.35 then got lured by ok mag with britney on front and got paper for hubby(ok gone up to £2.95 I always remember it being 2quid last year!) Hubby rang said get some pop and chocs so 2 cans and 2 choc bars Total bill…
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Help!!!!!!!
Hello chaps, first of all, I am at my whits end regarding debt. Sometimes I even think its time to "pack life in", but I'm too scared to do that. Here is the deal. Income £1050 pm Outgoings £800 pm (Mortgage, Bills, etc) So that leave me with £250 per month. I currently have debts of CC1 £10,000 CC2 £3,200 CC3 £2,000 CC4…
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Sealed pot challange
Ive started trying to do the £5 a day challange but struggling abit can anyone tell me what the sealed pot challange is?:confused:
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Tesco deals ---HAVEN
Hi Not sure what board i need to be on for this question but here goes!!! Does anyone know if the Tesco Deals re Haven holidays is coming to an end??I always use mine to have 2 short breaks out of season each year and i noticed it now says that anyone that has haven vouchers must use them by the end of Dec 2008!!!!! Does…
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Growing Veg indoors
I've just a nose on the Money saving the old fashioned way and i saw some conversations long ago about trying to grow veg in a flat - did anyone actually try it? i am growing chillies and herbs at the moment quite sucessfully but would love to try something else a bit more useful - my flat is on a corner and is very sunny…
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Council Tax Help!!!!
My husband received a letter from an old council stating that he still owed the council taxfroma previous address. They sent along a form with it asking about our income and expenditure and how much we would offer to pay. We filled this in and sent it back stating that at the moment we could only afford £5.00 per month as…
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Arrrrrrrrrrrrrrrrrrrrrrrrrrrrgh!
Will someone please tell me why Welcome Finance can take a 10r for ringing you up and we don't claim them back......Or should I be?
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Has anyone defaulted with GE Money?
Looking for some advice. We have missed 2 mortgage payments and are currently waiting for a default notice to join a government scheme to allow the housing association to buy the house from us and rent it back. So, has anyone defaulted with GE Money? and if so can you please tell me how long it took to get a default notice…
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Who else is affected with my debt?
Hi I was wondering if someone could help me out on this one? I have been with a debt management company for over six years now and still ploughing on with about £33,000 left to go. I may seek some advice on my debt soon, but in the mean time I was wondering who else gets affected with my debt?? I know my name is branded…
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First post and debt diary.
Hi all Well, I was feeling bad about my debts but i've come across this site and can see that many others are in the same boat. So here goes! Thankfully i'm still at home with parents and they let me live rent free. Monthly Incomings: My salary - £1200 Monthly Outgoings: Phone - £45 Food - £48 (lunch at work) Car Insurance…
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In a LOT of debt and I don't know what to do!!
Hi, I'm new to this board and feel I need to finally stop burying my head in the sand. I am 28 and have racked up debts which amount to approx 50k, I will do a detailed list for you in the next few days but i'm doing it step by step. I feel like a complete failure and feel sick with worry every single day, i'm having to…
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BritPilot flying to debtfree heaven
Help - I have amassed this huge debt and need a lot of help. Please feel free to rip this apart and I will be eternally grateful. Thank you so much! Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 3333 Partners monthly income after tax....... 0…
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Please Help, I am being heavily harassed
Hi, I am severley disabled and I have four children so my DH already has a load on his hands. Last year I entered into a DMP plan - one of the debts got left off and for the last six months I have been trying to sort out with the CCCS to get it put on. They admit it is their fault they have not sorted it, but this debt has…
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CCJ Query
Best mate has turned up at my work today in a bit of a state - he is being threatened with a CCJ for a debt run up spread-betting. He won't tell me how much but says its a considerable amount - over £5k. He is worried about what options this will give the creditor........he says he has started to go through the process of…
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what do i do?regarding egg card and..
hi all i have recently asked for my cca for my egg card which arrived all looks ok but had absolutly nothing regarding ppi, no wording on it, no tick box no signiture box nothing, absolutly zip!!I realised after looking at some of my statements (they wont send all of them as they say its my responsibility to have them!)…
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PaP/Moozie's What will you spend/have you spent today Wednesday 20th August thread
Good Morning everybody :hello: :hello: :hello: Couldn't find it this morning, so I am starting today's 'daily spend' thread, as I'm not going to be about that much, this morning - must visit my dad, as it's his birthday. :) :) So, fully armed with birthday card that I bought last year (Buy one get one free offer) I shall…
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Feeling positive - Budgeted properly for the first time!
Morning all DFW's We are in a lot of credit card and loan debt for various reasons. We are not struggling to repay the debts every month but it is holding us back from doing things we'd like to do and can't really save any money either. I also discovered the snowball calculator through this site which has probably saved us…
