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reply from request for CA
Could anyone please advise on this reply from request for CA. Bla bla bla, they agree they cannot seek payment through normal collections channels with out a signed CA. But last paragraph says. If I decide not to make payments, on the basis that a signed CA could not be provided. It will be reported to the relevant credit…
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HFC/Beneficial hassling me
As it says really, I have explained my situation and that I can't pay at the moment, and they have sent out a financial statement for me to fill in, I have that now and need to sit down and work it all out. Thing is, they are still phoning, just had a call from them now, told her I don't want any more calls, just letters,…
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My S.O.A.
Hey guys I'm new to this but decided to post my S.O.A. so I could see what I should have at the end of the month (and don't!) Think I may start a spending diary next month and am aware that on some things I'm a bit extravagant (£40.00 on hair!) I clearly lose £150 a month somewhere too, eek! Anyway if anyone has any…
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My S.O.A.
Hey guys I'm new to this but decided to post my S.O.A. so I could see what I should have at the end of the month (and don't!) Think I may start a spending diary next month and am aware that on some things I'm a bit extravagant (£40.00 on hair!) I clearly lose £150 a month somewhere too, eek! Anyway if anyone has any…
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how to split my credit card payment and re-organisation
Hi guys I hope I'm on the right forum (or should it be the credit card one??) Heres a list of my credit card debt Card Orange Marbles Balance 3700 Min Payment 73 Interest Rate £2K@6.1 till oct £1.7K@16.9 Limit 9500 Card Barclaycard Plat Balance 1008 Min Payment 22 Interest Rate 15.5 Limit 1100 (reduced after I paid 2k…
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Payment a day - running total
Hi Further to Emilys v successful payment a day thread...I thought it might be a great idea to see a running today of what we have paid off....once on top of it, prob be better to incorporate into the main thread but thought this might start us off. So if you could post what you have paid off and the total from the post…
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Will we EVER get there ???
I guess this type of thread has been done alot before, but I could'nt find anything. We are in over £25,000 of debt and even though I had my Lightbulb moment November 2007, we are making slow progress. I must admit that we have good & bad months, but all the cards are cut up so we arn't living extravagantly. I just…
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Debt advice for my gf
Hi all My gf has recently admitted to being in debt, but wont go into all the details. I think that she is too embarrassed
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SOA - Can it be tweaked.
Hi All, I don't think I can squeeze anything more out of this but any hints would be gratefully appreciated. The reason I ask is I desperately want to start putting money aside for various reasons. I have nothing left at the end of the month and it really worries me. Statement of Affairs and Personal Balance Sheet Monthly…
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Shopping Budget for 2 people
Hey Wonder if you can help, i'm trying to cut back but one thing i always seem to find is by the time i get to the supermarket check out i've spent more than i planned so this week i'm sticking to my list! but i wondered how much is your budget for 2 people? (one who's work is very physically demanding and eats like he has…
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Pap / Moozie's What have / will you spend Friday 15th August
Goooooooooooooood Morning everyone:D I am going for a nsd today. Hope everyone keeps it low and has a great day:D
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Friday 15/08/08 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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*Daily Chat Thread**15th Aug 2008*
Woo hoo its Friday! I am going out for a chinese tonight with a friend, but have a serious amount of catching up to do at work, thanks to the chatty threads this week..so you won't see much of me on here today - honest!:rotfl: Friday Flyday- those frightening kids rooms and spare rooms Level One Clear away anything that…
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Energy Saving Devices on the Freebies board
Not sure how many look at other boards on here, but here is a link to getting an energy saving device free http://forums.moneysavingexpert.com/showthread.html?t=1091481 there are 100 to give away and it closes on 18th (monday) No use to me where I am but hope it is to someone else chev
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cant sleep, just fretting the whole time.....
have spent the last three hours, looking at spreadsheets, snowballing sheets, numbers, numbers, numbers. I seem to not be able to 'live' at the moment, every waking hour (and there are too many of them) are filled with numbers, sums, debts, bills etc. How do I squeeze in some light relief...????:eek:
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Wishful thinking?
Hi....after reading a few of the diaries, I thoughtI would give this a shot... I had some debt which I was well on my way to paying off until my then boyfriend convinced me to go on an African holiday(2006) to meet his family. Flights, hotels, car rental, new clothes etc were all put on to my newly cleared credit cards. We…
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Allys debt diary.....
...ok so although im just new here I thought keeping a diary would be a good idea to let me see where my pennies r going :( and maybe let me think how to save etc..... So im Ally, im 21 and im in, what i consider, quite alot of debt for my age. I have just about paid off my car but thats really the only thing my money has…
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Newbie to Debt-Free Wannabe... All help or advice welcome
Hi everyone. Recently joined the site and was looking for debt advice. Finances were fine up until my maternity leave ended as I was unable to go back to work due to PND. On both incomes everything was great but with a new baby and new mortgage and new car (because of the area we live in we need 2), the pressure was soon…
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need a dmp but can't have one through payplan.... churchwood????
At the moment I am self employed, declared my earnings, tax credits, etc and after expenses have -just- enough to pay minimum payments so payplan have said they can't help me. The thing is I have other expenses and it's about organisation as much as anything... I'm just not meeting the payments :( Some of the debt isn't…
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refused current account with co-op
i made an on-line application for a current account And got an e-mail today saying [FONT=verdana, arial, helvetica, sans-serif;]Thank you for your recent application for a Current Account. Unfortunately, after careful consideration we are unable to open the account you requested. Our decision is based on information…
