Debt-free wannabe

Discussion List

• feeling better! newbie!!

  I just wanted to say I have only just found this site and already I love it. Debt has been a problem for many reasons over the last few years. Knowing people beat it - is amazing. I feel better already - now I just need to deal with it - difficult in another country - people tell me to ignore it but I dont want to - I want…

• question concerning overpaid housing benefit

  last year i was on receiving housing benefit because i was unemployed. when i managed to get a job, the council kept paying me the money despite me telling them on numerous occations i was now working and therefore no longer entitled to receive it. but thats all in the past now and sorted out now, and the end result is i…

• can anyone help? please

  my wife has just had a letter from mackenzie hall looks likw a debt recovery agency asking for 300 pound for a debt that was in 1996!!!! for an overdraft account with the halifax bank...i spoke to them today and they want this money does anybody know where i stand!!!..if anyone can help please let me know as i am getting…

• Full And Final Settlement Of Debts

  I want to pay off some of my smaller debts in full, but as advised by many of the experienced people on here, that we do not contact the DCA's direct, but write to them personally. Is there a standard letter/template to use when paying off debts? Thanks

• Biggish debt - what will happen??

  This really isn't me who I'm talking about, not that it really matters but anyway ... my sister-in-law and husband amounted what I would call a considerable amount of debt from various sources i.e. gas, electric, loans etc. and consolidated most of it into a loan that will take approximately 20 years to pay off at £100 a…

• Spanish Eyes

  I need some help - and advice!! We live in Spain and work here with a new business. I have a credit card debt from England - which at the moment I am finding very difficult to keep up with the payments. I have settled with other cards to pay a nominal sum and they have stopped all interest.One card Amex has passed the debt…

• Chased after 11 years.....HELP!

  I received a contact card from a company called Thames Credit Limited in Bromley today. They say that I owe an amount of money to Granada Stores from September 1997. They can't tell me what it is for except that it may be an electrical item! I wasn't living at the address they've given me at the time BUT I was there 2…

• advice please SOA attached

  this is a rough estimate, its not far off being correct Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1600 Partners monthly income after tax....... 500 Benefits................................ 120 Other income............................ 0 Total monthly…

• Credit score help please!!

  Iv just checked my credit score with checkmyfile and bought the experian credit report with the score and seen that i have a score of 160 (!!!) Now i have about £8000 debt which although iv been struggling to be paid off for the last 2 years, in the last 6 months i have not missed a single payment and have recently been…

• "dont know what more i can do"

  Hi,this is the first time i have spoken on here,i am in sever debt to the tune of approx £65k,last year i had a business failure and wasnt ltd so all the debt came to me,i have never tried to shy away from the debt but just have got no way of paying it,i have a house with a mortgage of £160k which is worth £170k and £12k…

• Marlin Financial Services And Legal Threat

  Hello I have around £70k of debt with three creditors (Payplan are helping me). HFC (not my majority creditor) passed a £3k credit card debt to Phoenix Recoveries who have employed a DCA called Marlin to collect it. I read about Marlin on the internet so I was not surprised when they sent threats of CO's etc. There is no…

• some one elses debt

  hi there new to this forum. just got a question. we exchanged to this property (council tenant) and the previous tenant just didnt pay his bills. so ive had to sort out the gas/electric/water, with the water he just didnt tell them that he was living here. and since then ive had letter after letter from various debt…

• Non payment of CCJ?

  My OH and I are seperating for the time being - meant to be a 'trail' but think it will be for real - all chronicled here : http://forums.moneysavingexpert.com/showthread.html?t=1017929 We have two CCJ's which are charges on the property and other debts also.I'm going to write to all the creditors today advising of the…

• Sick, Sick, Sick of being debt - and looking for advice to get out of it.......

  Ok so here goes, I'm a 25 year old single girl, who stupidly got into a mountain of debt (well - it seemed like a mountain to me - at the max it was approaching £20k not including student loans). I've been plugging away at it for the last 2 years or so, and although it's now very manageable - I'm at a stage where at some…

• Whats slice the pie?

  Seen a few of you do it every day - just wondered what it was please?? TA :beer: :beer:

• PaP/Moozie's What will you spend/have you spent today Thursday 15th August thread

  Good morning everybody :hello: :hello: :hello: Wasn't around much yesterday, and didn't see a thread for yesterday :confused: , so I though I'd best make sure that we had one today. :rolleyes: Couldn't be simpler, just post your 'daily spends' whether large, small, budgeted or unbudgeted, and 'watch' your spending habits…

• Clear debts with savings?

  Hi me again :o I am trying to 'avoid' commitment to a DMP as I can't see it helping me in the long run. I have done a plan with CCCS and the results were that I have to pay £89 a month and debts would be cleared in aprox 10 years! A crazy suggestion to me. I need to make a decision quickly though as Credit Card companies…

• Where to start?

  I've had a look at the boards, but can't find a thread that helps me right at the start. I have bookmarked the SOA calculator and will fill that in tonight after work, but once that's done, I'm not sure what to do! We are at the stage now where there is very little disposable income at all each month and we have taken on…

• Thursday 14/08/08 What small dfw thing 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…

• *Daily Chat Thread*14th Aug 2008**

  Good luck to anyone with teenagers who are getting their results today:eek: Thursday twirls- Living Room, Hall and Stairs Level 1 Vacuum floors and sofas declutter and dust the mantel Level 2 Dusting, even if around everything Remove clutter making sure stairs especially are safe Clean TV, other electricals and cabinets…