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Secure loan?
I posted on here last week http://forums.moneysavingexpert.com/showthread.html?t=1089981&highlight=Helpus and am not sure where to go next. I have had to go and see a Doctor as I just am not coping at all. He has given me propanalol to help calm me down as I am having what I can only describe as a panic attack in the…
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Advise please
Hi i had a loan for a vehicle back in 1992 roughly,the garage i bought the vehicle from went bust, and I moved away and had a couple of debt letters re the payments. I contacted one company once and agreed to pay something, paid 2 installments i think and then couldnt afford to anymore. I then never heard anything from…
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British Gas - Default - UPDATE
Not sure if anyone remembers, but I had a few problems with British Gas and an old account last week: http://forums.moneysavingexpert.com/showthread.html?t=1095915 Well after all that I did the letter as suggested but forgot my cheque book yesterday. I got home to find a letter from British Gas. I opened it and it reads:…
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Lloyds
I am on a DMP which i owe Lloyds TSB the most money ,i have just taken out a buildings & contents policy with Lloyds to pay monthly DD ( i have taken this out through Quido as they are paying out £120 and i could do with this money for christmas ) . I am panacking alittle now firstly is the insurance department of Lloyds…
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Old debts (that old chesnut!!)
Hello all, I am hoping you might be able to help me. My partner has been receiving letters from a couple of those blood-sucking companies who buy-up and chase old debts. I keep telling him about this site and all the advice offered (I love you guys!!), but he just keeps putting these letters in the bin. We have been…
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Changing to Virgin Mefia if on a DMP, will there be a credit check?
Am on a DMP for last 6 months and still looking at ways for trimmimg back the SOA. Virgin Media do a free TV channels deal if you take a phone line from them. This wouldn't cost anymore than we currently pay BT for line rental but would save us paying out for SKY. Because of where we live we cannot use a Freeview box and…
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HSBC just cancelled all my direct debits!!! Arghhhh
Help! Been on a self administered DMP for approx 6 months, set up a new bank account to take care of my wages and all the debt pyments. Left my old HSBC account still running with all my utility bills etc coming out of it and my husbands wages going into it. Occasionally went over overdraft limit if bills came out a day or…
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Tuesday 19/08/08 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 & Moozies what have/will you spend Tuesday 19th August
Goooooooooooood Morning everyone:D Managed to sneak online before heading off for work. Hoping for a nsd today. Goooood luck everyone and keep it low:D
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*Daily Chat Thread**19th Aug 2008**
Todays list, get on with it boys and girls.. by now you should really only need to do half the stuff:rotfl: today is study day for me and I WILL be studying. I have renewed vigour.....However, I have walls to paint too, and its quite stress relieving so I will study a bit and then paint a wall, study a bit more and then…
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Sole Trader will we loose our house?
My Husband is a sole trader, due to not being paid for a large job running into thousands ( the guy has gone Bankrupt) we now have a serious cash flow crisis and simply cannot pay our suppliers etc. He wants to stop trading but as he is a sole trader not a ltd co will we loose our home and what is the best course of action…
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Escape from Prison
Hello All, I'm new to the site and really getting into the money saving thing. :eek: That would very much shock many people who know me!! Having ready through everyones threads you all seem very clued up and any handy tips you have would be very welcome.:rolleyes: It has to be said that in the past I have been extremely…
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Escape from Prison
Hello All, I'm new to the site and really getting into the money saving thing. :eek: That would very much shock many people who know me!! Having ready through everyones threads you all seem very clued up and any handy tips you have would be very welcome.:rolleyes: It has to be said that in the past I have been extremely…
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Not sure where this is supposed to go...
Couldn't find an appropriate thread for this, so hope you guys don't mind if I park it here! A friend of mine is badly in debt, am trying to help her out. When we went through her statements we found out that despite her contract running out with the gym they had continued to take payments from her for half a year. We're…
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The username says it all
Hi, Everyone, first of all i would like to thanks you for reading this post. Little about me, im 20 and i am now starting to see the problems that i caused myself from been at uni, I went through a gambling stage and im gladto say thanks to my family i am over this. but ........... down to my gambling, i now ow a bit of…
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Sinking Fast And Dont Know What To Do
After many years of reading these boards I have finally registered and need help or advice. Basically I have been self employed for a number of years and things have been tough but over the last 6 months it has become unmanageable and I have built up loads of personal debt trying to save myself, unfortunately about 6 weeks…
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Debt Help - New to site
Hi I'm looking for some help as I really do not know what to do with my debts. I currently owe about 20k to four creditors. I have one large loan 14k and 3 small loans, I have not heard from the large loan company for 3years, I have only have about £30 per month left and I have also tried a repayment scheme but this did…
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Can using the CAB be a problem as well as a help?
I am awaiting the outcome of the CAB's negotiations with my 12+ creditors and fear that if I use Money experts' guides to reclaiming bank charges and PPI's I will antagonise the creditors who may not then agree to a repayment schedule. Has anyone found this to be the case please? Does anyone know whether there is a formal…
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Good news at last!!
Well I have posted on here lots over the past few months, usually looking for support or a friendly shoulder and must say you people are amazing and have been here just when I needed someone. So I thought it only fair to share a bit of good news with you all rather than always the bad. My debts have reduced drastically…
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Best way to pay off overdraft debts?
Hello, My OH and I are trying to sort out our debts. We have loans which I think will cost more to get out of early than to just stay with the repayments, but the debt which is causing us a problem is the overdraft over 3 bank accounts. The overdrafts total £2,900 and we are trying to find a way of reducing the interest…
