Debt-free wannabe

Discussion List

• Lunars Ebay challenge

  I think I have been making pretty good progerss paying off my debts over the last year. Im just not committed enough to do those extra things that will make a big differnce. For example i have 4 boxes of things that i could sell on ebay and im just to lazy to list them.:mad: So here is my challenge to myself inspired by…

• can anybody advise?

  My OH had about £10k of debt with 3 credit cards & overdraft etc when we first got together. He was paying the minimum off each month but then his circumstances changed and he couldn't make the payments so I put him onto CCCS. He's been on a debt payment plan for nearly 2 years now but his debts have hardly gone down!!! 2…

• what will u spend, wednesday 13th august

  evening all:hello: very empty thread this, over the last few days/weeks:confused: . anyhow, here we go: tissues, water, face towel, snack; sandwich, juice, crisps, yogurt: damage £9.05. hope u all have a super evening :)

• Please help explain this letter I have just received

  It says THIS IS A DEFAULT NOTICE SERVED UNDER SECTION 87 (1) OF THE CONSUMER CREDIT ACT 1974 Balance £2,500 Limit £2000 Over due amount: £500 You have breached the terms of the Paymnet clause of the agreement, which requires you to pay a minimum amount in respect of each statement you receive, by failing to make the…

• Is Ebay Challenge Still running ?

  Hi Im fairly new and going through all the challenges and signing up etc found the ebay challenge thread but it seemed to stop a few months ago - is anyone still doing it ?? Best Wishes f1widow xx

• for my friends in what little DFW things thread

  Hi friends from "what small DFW things have you done today" thread. You may remember I applied for a job that wouldn't get me more money but would make me a hundred times happier a couple of weeks ago. Well, today I came home to a letter. It was the well known "I regret to inform you..." Not even an interview. I have the…

• Its Just got worse !!! AAAgghhh

  I posted a thread about council tax yesterday and someone posted a reply (thank you!!) but i desperately need some more help ( i would attach it if i knew how) (thread title council tax problem - advice or chew it over) PS Sorry this problem is no where near as major as some peoples - so i do apologise There is me thinking…

• kcmatt's SOA and debt diary

  Hi I posted yesterday about my target of paying off £7k within the next year. People advised me to post an updated SOA, so here goes: Monthly Income (as of Sep '08) £1,625 Monthly Outgoings (these are just my half of everything): Rent & utility bills (live with o/h in HIS house): £330 Groceries: £160 Petrol: £160 Car ins.:…

• catalogues

  not sure if this is in the wrong section so if it is feel free to move it!!i have recently written to a few catalogues asking them to freeze my account and offered them monthly payments due to problems.one catalogue replied and said they could not do this unless thru a debt management plan as it would be illegal.but…

• mckenzie hall debt recovery! advice please!!

  We received a letter from Mckenzie Hall debt recovery agent claiming a firm named cabot Financial have instructed them to recover over £3000 within 7 days. We have never dealt with either company and have not had any missed loans or missed credit in the last 7 years. My husband had a bit of trouble 7 years ago with his…

• Mackenzie Hall

  Hi I'm new and extremely stressed, please help... i have several payment plans set up with various debt collection agencies...this is under control (just). I have one HUGE outstanding debt which nobody has ever chased me for. i moved house several times over the past few years and my debt has followed me- I assumed that my…

• Help!!! Urgent advice please.

  We had our creditors meeting today regarding an IVA proposal basically we were offering 50%. We have 6 creditors. The largest RBS and all the smaller creditors voted "Yes" for the IVA proposal. MBNA who hold 27% of our debt voted "No" and as such the IVA proposal will fail as we can not achieve a 75% "Yes" without MBNA on…

• Can i do a balance transfer from my current account overdraft to a 0% credit card?

  I am in my overdraft by about 1k but earn about the same so every month i am still drowning and not clearing my debts. I looked into getting a cc but apparently you can only do a balance transfer from a cc to another cc and not just from a debit card account. I didn't really want to get a loan and pay interest on it. My…

• Debt that I don't have

  Hi everyone. Hope this is the correct forum. I had some text messages to my phone asking me to phone 01256 306796 and ask for David Shaw, along with a reference number. I had no idea what it was and dismissed it as a text message scam. To cut a long story short - the card that was registered to pay my Vonage account had…

• SOA seems ok but run out each month!

  have deleted, felt too naked revealing income to world!!

• What annoys you when moneysaving?

  I realised today that I am increasingly frustrated if I pay for things that arent right, especially now when my money has to go further Today: cream, coconut and stawberries from waitrose had gone off before their date Had to pay £3 to park car at hospital (I resent this and even worse it cost more because they are so…

• Could you advise me on a possible timescale please?

  Could you advise me please? I'm in the very early stages of a self-managed DMP. Last month I paid my first £1 by cheque to each creditor and am about to set up standing orders starting this month. So far I have had the hassling phone calls and the odd letter but nothing more. I know it's going to happen though! Here's my…

• Can I consolidate debts of husband if he is unable by using power of attorney?

  Ok he's got a lot of credit cards, all cut up and not in use, but he doesn't pay them off, each month the charges and interest pile up, he is mentally incapable (trust me on this) of speaking about it let alone dealing with it. Every time the collections dept of each one call up his Mum answers the phone for him and pays a…

• Contents insurance Receipt?

  Help! I dropped my TV when cleaning and now it wont work. I got a quote for a repair and its hundreds. Im covered for acidental damage on my insurnce but will I need a Receipt? I can't find it from 16 months ago!! Thanks

• Where can we get cheap/free glasses?

  Hi guys I'm relatively new to this site and wonder if you may be able to help? My husband and I have recently started a DMP with Payplan. Payplan make us put aside a set amount every month to cover the cost of my husbands glasses, however as we have only just started the DMP there is not that much money in the kitty for…