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Northern Rock - What's Your Experience
Hello Everyone!! Thought I would start a new thread to see what peoples experiences of Northern Rock and Debt Management Plans are? We are due in Court very soon with NR and I am nervous, so some internet forum moral support would be good!! Heres my situation; NR Together mortgage £105000 taken out about 2004 on a 3 yr…
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default settled
Hi, In the last 12 months I have started to pay off all my debts. ( I was very silly from the moment I could get credit). In the last 6 months I arranged to settle a debt which had defaulted. I know that the default stays for six years. I settled the debt 2 months ago. I did get a £111 discount as I payed it off in four…
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How much do you spend??
Hi all! I haven't been around for ages and really need some motivation! I'm sure this has been discussed many times before but as food prices keep getting higher and higher I really need to address this! NOW I know my food bill is too high but I am struggling to get it down. I am trying to set (and stick to!!!) a realistic…
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Any advice welcome
Hi to anybody reading this... I am in so much debt ( £47,000) I just cant see any light at the end of the tunnel.. I have been in touch with the CCCS and have an appointment ..I know they will help me I suppose Im just plain worried about the whole thing and where it will all end..IVA's..bankrupcy..omg Suppose I would…
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frantic with worry, please help-will they reclaim my car?
Hi-I bought a car on hp from welcome finance.-usual story-got behind with payments but claimed back ppi from them which had been mis-sold.They said that once the amount owed was down to £1300 they would wipe off the loan.I have still struggled with payments due to other arrears on other accounts since we had family…
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Mature student any advice to see me through
Hi i am an avid money saver and always try to save money wherever possible. I am off to uni in september and will be having a bursary and also working part time. things will be tight i am a single mother off three but i want to have a better future. I am looknig for tips or advice from anyone who has been in my situation,…
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jam jar challenge!!!
ive never saved up really, wen i was little i never had a money box / piggy bank and ive never used a savings account just to save up so i thought id start small ive noticed a lot of money box clubs on here but the 20p/£1/£2 savers club woud take me ages as i have very little money and very rarley take cash out (all bills…
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Mackenzie Hall - urgent advice needed please
Hi I was recently chased by scotcall for a really old debt that i think might be statute barred. I requested a cca and they said they dont have it and have closed their file. Last week i got a phone call from mackenzie hall asking for me by my maiden name (i have been married 8 years) and wanted me to confirm my details…
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Refrence Agency Inaccuracys
Hi all This may not be the right thread but here goes anyway. Having paid of debts 2006, and recently checked the reference fiels I see that two files still show they are not satisfied. One still says I owe outstanding monies (paid in full 11/07/06) the other Barclaycard :mad: shows that no payments have been made at all…
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newbie on this board...
but not newbie to trying to get debt free :) Having had around £800 credit card debt and around £1500 loan and paying it off all slowly, my DH got very ill and is still of work, needing care. Our debt spiralled as misery can come in multiples - car died and we needed it for transport to hospitals, etc., we had little…
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best/worst???
Hi, i was just wondering what is the best money saving / debt paying thing you have ever done and what is the worst??? My best - sing up for internet banking and track every penny going in and out = no more charges and i know where my money is going :D My Worst - adding to a loan in 2006 (about 3 grand:eek: ) that i cant…
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extra income wanted
Looking for ideas for a extra income maybe working form home using my computer or somthing similar, Any ideas:confused: I would do any sort of work just to earn some cash, anybody from montrose scotland who has work get in touch, willing to learn!
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Protected Trust Deed Fees
My partner and I (now husband) realised around 4 years ago that we were in serious financial difficulty. I’d not long had a baby and after returning to work having had a very good job, my salary was 50% of what it had previously been. It took us longer than it should have to re-adjust our lifestyle and of course had…
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Bryan Carter
Hi all, Yesterday I got a letter from Bryan Carter solicitors about a debt that I've been dealing with Fredrickson International about. Are they the same company, or do I start the whole thing over again with BC? Cheers.
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Oveerdraft Advice please
Hello Every One,I just need to ask a question.. I currently have a Overdraft (HSBC)of 590, Can anyone give me some advise on how to get this down.. I mean shall I transfer it to my Tesco Card at 0% till june 09, or just pay it off. (they charge 3% to BT, if they do it to a current account or virgin at 0% till jan 09) or as…
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Has your way of thinking changed?
Further to an earlier post, trying to think of ways to rid myself of a high interest MBNA debt, all my others are 0% or LOB, can't get any new cards, it's funny how when your on the DFW road how your thinking changes about money. Just a 'for instance', we have just had to buy a new phone which has an answering machine…
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credit card advice needed
I don't know if anyone can help me I was wondering if there are any credit cards out there that have a 0% balance transfer that accept you if your credit rating is not fantastic I know this is a long shot as I have already been turned down for halifax card and I don't want to do too many applications because I have heard…
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Feel like I'm hitting my head against a brick wall!
Hi everyone!:j Had my LBM 2 years ago exactly when my debts hit £27000. Have worked really hard at it, and with ups and downs its now £7600. But... feeling that I can't get rid of this last lump! It's in the form of 2 loans that I can't overpay on, so was trying to build up savings so I could clear 1 entirely. However,…
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Dmp
if you have 4 creditors but are managing with 3 ie no missed payments is it possible to put the forth into dmp thanks in advance
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I have news.......
Oh crp oh carp oh carp oh carp oh carp oh carp.....:D eeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeekkkkk!!!!!!!:o :o :o
