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DFW Diary
Hi all, I've been a lurker for quite some time but the time has now come to bit the bullet and get this sorted once and for all. I'll post a SOA later today once I've found APR's and suchlike. Just wanted to post this so I've committed myself to posting up my SOA and then I won't back out as I have done for god knows how…
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my debts....help please
i have posted before about my debts, was going through the citizens advice but they were as much use as a wet paper bag! anyway thought id have ago at either doing it myself if i can or maybe doing a dmp?? tbh im not sure what is the best route to go, at the mo im still incuring interest and charges on everything, the main…
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Credit agreement
can some one point me in the direction of a "can you send me the signed credit agreement" letter please Thanks!
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Fv1?
Does any one know what FV1 is? just done a credit check and it says: Company name:FV1Account type:Current accountsStarted:14/11/2000Default Balance:£ 676Current Balance:£83 only bank account i have is with Natwest and thats not in any arrers, dont have any loans or CC so what is it? I did have an outstanding account with…
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how do i bank a tesco code
title says it all. have found a code but am not shopping yet can i bank it on my account for my next shop
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1st Credit !!
Hi Guys, my first post. I have Plan in place with CCCS, all up to date ( couple with Blair Oliver and Scott ) but my problem 'people' are the commission-driven 'negotiators' at 1st Credit....Citifinancial just sold me to them! They threaten EVERYTHING within 7 days of buying the debt, I,ve written pointing out the CCCS…
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Help! re catalogue CCA's & statement of acounts
Hi, I don't know whether anyone has any advice for me re some catalogue debts. I have been on a self administered DMP since Feb and all major creditors agreed to my offer of reduced payments. However I have 4 smallish catalogue debts who simply ignore all my correspondence and refuse to accept anything less than the total…
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Saturday 16/08/08 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 / Moozie's What have / will you spend Saturday 16th August
Goooooooooooooooood Morning everyone:D hmmmmmmmmm today will be difficult as I am meeting up with my Mum but I will try to keep it low. Gooooooood luck everyone:D
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*Weekend Chat Thread**17th Aug 2008*
Morning all. YAWN! Been up since 3.30am. Had a chinese and a couple of drinks (!) and it doesn't agree with me. I woke up with a raging thirst and haven't been to sleep since. Have spent a productive couple of hours fine tuning my debt busting and have now made standing orders for min payments (or above) to come out of one…
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Please help. RE: CCJs and court fees
Please move to correct section. Here goes... I have been searching my credit file for the first time and it appears I have been given a CCJ a year ago for an unpaid Barclaycard which exceeded its limit and wasn't paid. I moved house months before the CCJ was issued so this is news to me. 1. What would happen now? I want to…
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Low income, bankruptcy, payment plans, secured and unsecured debts plus baby
I'm guessing there maybe more people with advice for this guy than on house buying/renting where he posted.... http://forums.moneysavingexpert.com/showthread.html?t=1098417
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so stressed - cried in two supermarkets today!!
Having such a nighmare week its getting me down so badly. Due to incompetent manager (or to be honest i feel like its actually not so much incompetence but rather complete disregard for other people ie ME) it is a possibility i have lost out on the job offer I had - at worst. At best I have lost out on minimum of a weeks…
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On the white board of a debt collection training room
Sky news has a thread where they are talking about debt, the guy doing the talk on line says he saw this at the head office of a debt collection agency where they where teaching new staff......... DON'T EVER EVER ACCEPT A FIRST OFFER :rolleyes:
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Dealing with overdraft reduction.
Hi, I've had a scout around and I cant find too much on this subject, hope Ive not missed anything. And hope i'm not posting in the wrong section. Right I have a student account which has already been reduced from £2000 down to £1150 and it is set to be reduced at the start of Sept by £650. Which to me is a considerable…
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Advice please :o)
Hi guys, im new to here so first i would like to say hello! I'm currently struggling with my MBNA credit card as i am paying £100 direct debit each month but only about £30 is going off it which would be ok but i am over my limit by £400 and the call centre staff dont seem to be very helpful. I explained to them that i no…
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Whats the best way to go about paying off my overdraft?
Hi I have a graduate account with an overdraft facility of £2000 which I am currently in by £1500. Each month my wage goes in (£1341.45 after tax) and the following comes out: £800 - goes into our joint account to pay for mortgage/bills/insurance/food etc £10 - contact lenses £15 - mobile phone £90 - car insurance (I know…
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Former Spice's SOA
Well here goes. I have gone through Martins spreadsheet and come to the following. Negatives . I owe £34K on CC's plus 6.4K on Barclays Advance and I spend £700 a month more than I earn. On the other hand.... A lof that debt is at low APR's. I have a tiny mortgage with £70K equity and only about £27K outstanding on it with…
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Former Spice's SOA
Well here goes. I have gone through Martins spreadsheet and come to the following. Negatives . <br><br>I owe £34K on CC's plus 6.4K on Barclays Advance and I spend £700 a month more than I earn. <br><br>On the other hand.... <br><br>A lof that debt is at low APR's. <br>I have a tiny mortgage with £70K equity and only about…
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cca, can I do this?
Mr Bee got into difficulty with his credit card a couple of years ago, as a result, it got sent to a dca. Now this dca (I forget who) were reasonable, accepted what we offered in payments, all fine and dandy. Then for no reason, it was sent to another dca who have given us nothing but hassle and have proved that they could…
