Debt-free wannabe

Discussion List

• Claiming Bank Charges & DMP

  Hey Does anyone know if being on a DMP will come under the hardship case?

• tonights the night

  that ive been dreading, its not the ideal time but when is. coming clean about my gambling debts tonight to my wife. we had this problem 5 years ago but we all thought i beat it. im telling her tonight because i need to get my name off our joint account just in case tesco finance begin taking money from our joint account…

• Card authorisations for card that is now on a DMP plan

  Hi Wonder if anyone can help me with this one. I booked a hotel room for next Sunday evening at the beginning of the year and paid with a credit card that is now included in my DMP. The card has been destroyed but the account is still open and is in arrears but we have been paying it through our DMP since May. Have I paid…

• Have you updated your food budget?

  I can't seem to get my head round our food budget. As a family of four, a couple of years ago our food budget was £400 per month, which worked quite well. We didn't budget properly for a while, then last autum we started again with our £400 budget - but by this summer, it is obvious that we aren't sticking to it, and we've…

• Are the papers exagerating?

  Sometimes wonder why i bother buying as quite depressing. Papers seem obsessed with credit crunch, housing market, inflation and cost of living indexe,s every day moaning about food, utility and petrol rises. Must admit we are feeling pinch of rising costs however the express money page of timebomb of debt threatens…

• template letter

  Hiya, I have been looking for a template letter to follow letter asking for signed CA. I sent letters off to two company's. Moorecroft were very prompt and said they didn't have one but would hold all action until they found one. Reliable collections, sent me an updated agreement, with no name of address and defiantly no…

• Raising funds to move abroad ideas?

  Mornin' my lovelies! :wave: http://forums.moneysavingexpert.com/showthread.html?t=1092911 A lovely buddy of mine has bravely posted the above on the Loans board. I'm going to reply when I get back from posting eBay parcels in a bit - even though she already knows what I think. :D If you have time could you pop over and say…

• Offers to Creditors

  Genuinely depressed to be posting this, but the National Debtline has advised me to make reduced offers to my creditors, and I may have to choose this option. Just wondered if I could get any advice from people who have been down this path before. Here's a brief summary: Take home £2120 (with irregular extra freelance…

• Hi, I'm new to the board!

  Hello everyone, I've been a lurker for quite a while and usethe site for help and advice, but I have finally got to the point where we have realised how bad things are :eek: We were renting, but our landlord decided to sell the house and we bought it...which was a bad thing really as my contract at work ended in July and…

• Question ref direct debits to creditors

  Hi all. I was advised to cancel all direct debits and make my payments by other means, as direct debits enable the creditor to choose the amount that they take. However, I have been thinking about it and have a question...! I have a secured loan with GE Money, which I pay by direct debit. I planned to continue this, but I…

• default notice capquest

  Hi, I have received my credit record from equifax and shows a default notice in the name of Capquest, I have never received a default notice from Capquest. I had a credit card with capital one which, due to illness etc I defaulted on. I DID receive a default notice from them however. Capquest took over the debt, so I…

• Statement of affairs, advice please

  can someone help me, i need to work out the best way to clear my debt and work out how much to pay each creditor and estimate when i will be out of bebt. This is my SOA Wages after tax £1800 (also geting on call money this month not sure how much it works out to yet) Car - payment monthly £265.86 HSBC loan payment monthly-…

• Wednesday 13/08/08 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…

• *Daily chat Thread*13th Aug 2008**

  No smut today please! Don't want to end up down the pub again!:confused: Heres todays list! Wednesday Thllliiing!- Master Bedroom & Landing Level 1 Check fire alarms are working Remove and wash bed linen and duvet covers. Fling open the window and let in the rain sunnyness Level 2 Dust surfaces & make sure no cobwebs..…

• I need to speculate to accumulate and am getting frustrated.

  Hi experts! This is a mammoth post but the situation is complexed! Please help me! I am hoping some outside perspectives on my situation could help sort me out! Right here goes.. Me and my now ex Nathan ( we are still extremely amicable and will be sharing finances still until things improve) bought a house 10 months ago.…

• Getting there slowly but more hep needed!!!!!!

  Hello. I been watching the forums for a few months and have now decided i wanna be debt free. Since reading all the posts ive decided i need to kill my 10k credit card debt. I have reviewed my SOA and i will be happy to post within the next few days for advice on further savings (please post the best best link for this).…

• just got free rent

  got huge debts that i can't face (maybe will tomorrow now I have heard this) but just found out I won't have to pay rent for 6mths - it will give us a breather to recover....am shaking, maybe there is hope yet. :o

• My SOA

  Hi all, I have been advised on another board to post my SOA here, so here it is! Any tips and advice on surviving in this god awful country, will be greatfully received. Many thanks. :) Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1254 Partners monthly…

• Can I get another free credit report?

  I obtained the 30 day free trial last year (Nov/Dec) - I'm guessing I'm not allowed another freebie from them (Experian - creditexpert.co.uk) - is there another option for a free check or do I need to shell out for one now? No real urgency, just fancy a peek at how it looks nowadays. Thanks.

• CCJs

  I have paid a CCJ in full and have the letter to prove it! How do i go about having it marked as satisfied on my credit file???