-
Getting started, what to pay and how much to pay
This is what I have currently Rent - £544.80 Council Tax - £1,778.93 - See Below Credit Card - £655.34 Electricity Supplier - £681.11 Gas Supplier - £253.48 Misc Debt - £168.28 BT (not current telephone provider) - £59.91 Misc Debt - £367.72 Misc Debt - £97.99 Water Debt - £851.89 Misc Debt - £86.51 Misc Debt - In Dispute…
-
Credit Report
just got my credit report from experian, I dont understand it because it doesnt show any outstanding debt, im confused anyone know what they are looking at? A summary of the calculations based on your credit report on Saturday, August 16, 2008 You have £0 of available credit (excluding mortgages) You have £0 of outstanding…
-
Yea.......We've exchanged!!
Finally.......after such a rollercoaster of the past few months we exchanged contracts at 3.45pm yesterday. It was such a relief I can't tell you. I won't bore you with the ups and downs of the past week. Suffice to say that it rates in my top 3 of stressful weeks and I had a monstrous headache all day yesterday. We also…
-
Please can someone give me some advice (again):
On July 31st I received a letter from 1st Credit stating that they don't have the CCA that I requested and Sky Card still have it (Sky Card being a form of Mastercard) and that they'd get it from them - as long as I get in touch as soon as it arrives to arrange settlement. It's now the 16th and I have heard nothing from…
-
Angry with Anglian Water
Following advice from this site, I recently requested copies of my credit report and found I had an outstanding balance with Anglian Water from a previous address. I phoned them direct and they confirmed the amount owed. I told them I would be writing to them with an offer of repayment which was duly noted. I then wrote to…
-
Cady's get out of debt diary
Hi I thought id jump straight in and start a diary!!!! ive thought wll it cant hurt so here is my situation an my goals: Me and my partner own our flat and most of my money goes into that, things are ok with that we both pay into a joint account and all the DD's come out of this so the house stuff is ok its just my things.…
-
any help or pointers??
this is a bit of a desperate post to write really, but any ideas would be truly appreciated. im am a 31 year old nurse, married to my wife 25 and a postie, and our son aged 3. we are in an awful situation, not living near family, and that route is not not an option for financial help. we live in a little terrraced house,…
-
Over Draft
Sorry - me again! Ok i have an OD of £700 - today i have recieved a cheque for £200 from tax rebate which im going to put back into the OD to bring it down to £500 (OH doesnt know about OD or cheque so shhhh ) Now . . would i be better off paying my over draft with what i can each month (so say i have £50 spare i put this…
-
Help Needed!!! Sons Overdraft
Can anyone tell me a way to help my son,hes with the TSB hes got himself an overdraft of £1000 hes gone over by £226 due to just loosing his job.I have the means to help with a couple of credit cards virgin which is still in offer of %0 till march,could i use another card which is the halfax, to pay the overdraft off then…
-
The Best Way to pay off a loan??
My Husband and I have a large loan which is eating into our money. My husband is in the Army and we need to buy a house sometime over the next couple of years and also think about having childern, it would not be possible for me to go back to my current job with childern due to the long hours. He has owes £12531.35 on a…
-
can anyone help? please
a letter came yeaterday morning..it was for my wife..a comapny called Mcenzie hall..looks like a debt collecting agency..i phoned them up and they said it was for a debt owed on a overdraft with the halifax bank in 1996!!!!..can the reclaim this debt..if anyone can help it would me most appreciated..
-
IVA proposal rejected
Had our creditors meeting last week. We have 48K in unsecured debt:eek: owed to 6 creditors. Anyway we put forward a proposal offering 46p in the pound plus the usual equity release clause for year four. 5 of the 6 agreed and voted "Yes" MBNA despite not being the largest creditor voted "No":confused: Anyway we are going…
-
Cutting down my overdrafts
Hello all, as you can see from my sig I am nearly DF! Now I want to work on cutting down my OD and am looking for suggestions. In theory not paying off my CC every month should bring it down, but I'd like something more structured. One of Martin's articles suggests living on a 0 per cent CC (which you of course pay off)…
-
Urgent Help Required Please!
I currently have arrears of several hundred pounds on my Nationwide credit card. After little payment for a few months now my case has been passed to KPR debt collection agency who have threatened to issue me with a CCJ! Secondly I have a graduate loan with Natwest bank. This loan does not for some reason show up on any of…
-
Legality of Council Threat
Hi, Any advice, would be gratefully appreciated. I recieved a letter from my local council and sheriffs officers in March 08, threating me with legal action, over unpaid Poll Tax from years 89/90, which I have disputed. I spoke to them at the time and they put a hold on it. It's upto an individual to provide evidence, in…
-
Natwest taking us to Court
Hi there. Sorry if this is the wrong thread but I could not see one appropriate. We have entered into a DMP with CCCS. Every creditor has accepted our proposals for repayment. Except Natwest. CCCS have sent proposals and payments have been made for the past 3 months. We have a loan account of £13000.00 and a current…
-
house repossesion and rebuilding credit.
Hello. I will try not to bore everyone to death but can someone help me a bit. I had a house reposessed in sept 05.It was sold at a profit of £57,000 after auction and all court fees paid.I have only recently chased up this money and generally have been a complete plonker after divorce and hence repossesion,debt,etc.I have…
-
pap/moozies what have/will you spend 16th aug 08?
Good morning all :j hope you are well and enjoying saturday morning. So what are you up to today? Where are you going? and most importanlty what will you spend? Remember to try and keep it low but as always choc is alowed ;) take care all :j
-
budget weekly challenge w/c 17th aug 08 everyone welcome
Good morning all…. 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…
-
i cant work it out???
hi im trying to figure out how many payments i need to pay off my loan the current balance is £7484.99 and the interest is 10.9% i think im just working it out wrong (im crap at maths:o !!) i want to start paying extra as of Jan 09 so it will be paid off by dec 2010 but i dont know how to work it out i pay at the moment…
