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Littlewoods/NDR Help
Hi all, not posted on this part before, long time lurker tho :) Now here goes... I have been on a management plan with NDR for the past 3 months paying £40 which has all been fine and have had no problems at all. Had my monthly statement from Littlewoods yesterday (instead of NDR) demanding over £70, saying that i owed…
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scared - moorcroft called at house....
just got back from shopping and my daughter has told me a man called and gave her an envelope for me....she said he asked if i lived here - not thinking owt my daughter (shes 19) said yes - he then asked if i worked - my daughter said no but why? ...he then gave her the letter to give to me and said to her to tell me to…
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Need advice - being ignored
hi, this is a bit of a re-post, only because i was advised to put it in here, here goes: ============================== Hi all, I've recently started to sort my finances out, with a lot of help from this site, but i've found something that i cant find an answer for in the other posts. I am using this to remove a default…
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Ebay have gone raving mad! but thats ok so have I anyone want to join me?
hi guys I have read a few bits on ebay price increase :mad: and i am shocked it is a huge increase so I have thought about it and it won't really be worth me selling on there. so I have decided to start a challange/ thread to get rid of ALL my e bay stuff before the increase over the last 3 days i have listed 30 items.:p…
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In a spot of debt and out of denial!
Hi all, I'm a long time lurker (ohh don't I sound scary!:eek: ) I'm feeling all grown up and ready to write my first thread!! In a nutshell, I'm about £1,300ish (not sure exactly) on a credit card. This has been transfered onto a 0% interest credit card for 14 months. I also have an OD on an old current account which is…
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mystery shopping
i've just started doing some mystery shopping work and its great, not hard to do, and can fit in with my lifestyle. Do I really need to pay tax on these earnings, and because it is only ad hoc work, how do I go about it. How much out of £10 assignment earning should I be setting aside. Dont want to get into trouble later,…
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Help and Advice
Hi all, I am in need of some advice. Used this before for my own personal problems and am now very happy! But I am in need of help for my Brother who is in a right old state! Basically his mortgage is in arrears and the bank are threatening court action, one bank is taking him to court over unsecured of about £10k and…
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the 'back on track' diary 3 years in and its going to pot!!
Hello everyone - i have been lurking on here a while and have decided it is time to take a stand and get my self sorted ( again) Our story is in July 2005 everything came to a head - husband off sick with bad back, baby no 3 (unplanned and a big shock) and me on maternity pay - we could not sustain our life or even afford…
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Is this Statute Barred?
I have mentioned this problem before and thought it had got sorted with the help I received. There was a credit collection agency demanding I pay them the money that I owed 9 years ago before my husband died, which along with his debts we were paying £1 a month to pay each of them off. The original company took me to court…
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Depressed and in Debt
Hi. This is my first post after joining a few weeks ago, I am so depressed about the amount of debt I owe and just cant seem to get myself out of it. I try to pay off as much as I can each month and have no money left to save for my wedding in early 2010. I currently have an overdraft of £2000 (I've had this since i left…
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New to this , hi everyone
Hi everyone , im new to this . had a look at some of the posts and there seems to be alot of people in the same situation as me, some even worse ! more than i thought really ! thought i would join the board to get a bit of help really. im 26 , have my own house , well just about , long story !! have loans , cards etc. at…
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Pulled head out of sand now I want to put it back
Hi everyone I have been lurking here for some time and have finally plucked up the courage to post. Im in money poo, my current account is 950 overdrawn with only 450 agreed I t is like this every month my wages go in and clear it but all my DD take it back over with the related fees. My mortgage goes out on the 1st and…
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HELPPPPP! NEWBIE AND DONT NO where to start
hi everyone I have £25,000 of debt on loans and credit cards from university debt! and i dont know where to start paying them off! At the moment i just about managing to make ends meet and can pay off the minimum payments, but i can see that im never taking anything off the balance and if i get any futher into debt i can…
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urgent help needed
hi everyone, i need some help with a problem which has hit me today, i have been trying hard to clean up my file, i had succeded till today. on checking experien today 2 defaults have been added on 17/8/08, the only info it gives is credit management services as the company. i can only presume this is kays and marshall…
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Thursday 28/08/08 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**28th August 2008*
Ooooh, I am late today... busy doing some work and forgot!!!! Jinky you missed your chance... Are you looking after your new doggie? Got nothing done yesterday so have to really get a shuftie on today. At least I am mobile again and I have my laptop back. Yay! Maz, I got your PM eventually and have just replied. Hope I am…
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Pap & Moozies what have/will you spend Thursday 28th August
Goooooooooood Morning everyone have been away for a few days but am back now:D hoping for a nsd today gooooooood luck and keep it low:D
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Soa And Confusion :s
Hi Guys Ok...you have all converted me to MSE and so I am starting my challenge of getting more disciplined with managing our money and debts/bills etc. I have £80 per week carers allowance £56 per week child benefit £265 per week IS My debts are: HSBC overdraft - £2041 Lloyds Overdraft - £1465 HSBC credit card - £488 Cap…
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Tidy up my credit file - progress has been made :D
Been Reading sucess stories of other people cleaning up there credit file. removal or CCJ's and defaults I have sent off 2 letters today regarding this following there guidlines and will await there reply Will keep everyone updated on it but there is alot of people who have had them removed but its just a matter of taking…
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Am I really tied into my current account?
I have a current account with HSBC. I also have a Professional Studies Loan with them. In the terms of the loan it says that I must keep my main current account with them until the loan is payed off. The problem is that I currently have an interest free overdraft with them too - but they have just written to me to say that…
