Debt-free wannabe

Discussion List

• Don't want to intrude but.....

  If anyone knows how Weller is going I would be grateful for an update. I am of course NOT expecting Weller to post. By PM is fine if it is not deemed appropriate for a public forum thanks chev

• A&L refusing to honour cheque guarantee card

  Hi, I just wanted to see if anyone had this problem before or has any advice. I wrote three cheques to my landlord to pay three different week's rent. Each cheque was for £100 (its a £100 guarantee card). Each was dated on a different day. Each was banked within three days. The cheques were signed in front of the landlord…

• Do creditors really except a lower amount to finally settle your debts?

  I might possibly be getting my hands on £3000 Before I phone up a couple of the creditors and pay them off, is it worth seeing if they will accept less as a full and final settlement of my debt to them? If so, how do I go about doing this? For example, I owe HSBC £2500, what would be reasonable to offer them? Not even sure…

• Has anyone been taken to Court - Please Read!!

  Hi Everyone. After reading a thread on here earlier about being taken to Court by creditors it got me thinking........ Like many on here I'm doing my own Debt Management Plan - ie I'm coming to arrangements with my creditors to stop interest and allow me to make reduced monthly payments etc. I have 8 Creditors and 6 have…

• How much do we luv Ebay?!!?

  OK so im brand new here.....but hey EBAY is a fantastic money saving device. I just transferred £50 from my paypal account into my bank account, felt so good :D :D gonna get a couple of road tax stamps and stick the rest away for this weekend :D saves me dipping into my wages....feels like a free nite out this saturday…

• Bailiff help

  Hi can anyone offer me some advice please. My partner has received three letters of Removal of goods today 13-Aug and it states they will return on the 15-Aug to collect. As yet they hav'nt ast the front door, so they have no idea on what they can collect!! Their is no mention on the letter of the Magistrates court…

• Does anyone else get demoralised/demotivated?

  I had my lightbulb moment in Feb this year and since then, have stopped using the credit cards (no choice really, all up to their limit) and have done a budget. However, something always seems to happen to get me off track! My budget includes £62 per month which is for £10 clothes, £10 car tax, £20 car maintenance, £12 TV…

• Dont sit still for too long or .....

  You will end up getting sold on ebay, the last few months I have been making inroads into my debt and am determined to pay the remaining amounts off by Xmas 2008...so I have started gutting out the house and selling unwanted stuff in house on ebay, so far I have made £109, I have got a pile of DVD's on at the moment and my…

• desperately seeking help - MBNA

  I am in the process of asking for my CCA with MBNA but have still received debt collection letters from them that i've ignored in the meantime. The 12+2 days deadline went past and the 30 deadline is due on 15th August. I received a letter today from them saying A default is due to register for six years on your credit…

• Defaults - Didnt Know

  Hi, I have checked my file and have found 3 defaults even though I thought I had made arrangements to pay the debts which I have been doing. The issue is that I was never made aware of this, should they inform u in writing ?? is there now way I can get these removed ? Thks

• A small favour please....

  Could someone please post the phone number for Atlantic Electric and Gas please, I can't get onto the site at all (and need to pay my final bill so I can do a switch!) Thanks x

• Prioritizing.

  I've just joined the site, having done my monthly finances, and realize my problems are bigger than I thought. My Overdraft has gradually reached its maximum, my credit cards (one I use regularly, and 2 I don't use, with a lifetime of balance low interest rate) don't seem to move in much of a downwards direction, and my…

• Formally introducing myself

  Hello everyone! I'm Kimberley, I'm 24 and I live in West Yorkshire with a husband, 2 babies and 2 cats. I've had this site bookmarked for months and months but over the last couple of weeks have started visiting daily and posting in various places, mostly getting confused with kwh and units on the gas and elec board! Also…

• JBW Enforcement

  Hi All This afternoon I parked my car as usual to go to work, when I returned I found a sticker attached to my windscreen saying that they had immobilied my car and will remove it unless I ring one of two mobile numbers to pay an amount that was not specified. My car had no clamp on however the car infront did but did not…

• Advice needed please...

  Hi all, I met up with my friend today who is in a very bad financial position. At the moment she owes approx £20,000 (£13,00 loan the rest credit cards). She has come to an arrangement with her buiding society regarding her mortgage payments. The mortgage is approx £970 pm but they are having to pay £500 in the middle of…

• Basic Bank account with debit/visa card

  Can anyone help please, I need to open a basic account with a debit/visa card thats not connected to any of my debts. Ive got a Nationwide account atm, so that one will be out when CCCS go ahead with my debts. My debts are with halifax, Bank of scotland, cahoot, abbey. And I live in Somerset, so no Yorkshire bank round…

• how to manage the bad days??

  hi thought I would see how people manage to get themselves through the days when they have no money left and really need to do something rather than stay in the house. I had a really down day yesterday and was in tears because I felt that we were not getting any better and I just wanted to go out and spend some money on…

• Head spinning need advice - debts/babies/bills etc!

  Hello, Thankyou for anyone taking the time to read and maybe reply to this. Our situation is that we are c 20k in debt but desperately wanting to try for another child at the end of this year. We have a 2 year old and have worked out that childcare costs will be mitigated with this timing as she will be getting some free…

• Proof read this please and tell me if I need to reword/add anything - bloody furious!

  Dear E-on. I have a dual-fuel account with yourselves and have always up until now, been very pleased with the service and treatment I have received from your company and your staff. I rang you on 30th July to ask to have my prices capped and was assured by the customer service agent I spoke to that this had been done (I…

• When you have family members who have lots of money...

  such as your own father with about £200k sitting in the bank, no mortgage, paid for other daughter to go through uni .... wouldn't you think he may help me? I am only in debt because I left a violent relationship and went back to Uni to better myself....he can see me in such a mess and won't help:mad: I know I shouldn't…