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Sunday 21/09/08 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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Satisfied CCJ help!
Hi hope someone can help... Basically the story goes, i got a ccj put on my name through no fault of my own, it was because of a car accident i had back in 2001. I admitted fault and everything went through fine (third partys vehicle fixed etc) . Then in 2005 i recieved court letters saying i owe money to the 3rd party…
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Whats my best option
Hi [tt] Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 2467 Partners monthly income after tax....... 604 Benefits................................ 130 Other income............................ 0 Total monthly income.................... 3201 Monthly Expense…
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Whats My Best Option
HI I HAVE COMPLETED THE SOA SEE BELOW AM I BEST TO GET A CONSOLIDATION LOAN TO GET RID OF THE LLOYDS CARD BARCLAY CARD AND CAP1 PLUS CATOLOGUE BEEN OFFERED [EMAIL="15K@342"]15K@342[/EMAIL] PER MONTH OVER 5 YEARS. MBNA IS ALREADY ON A NO INTEREST PAYMENT PLAN I DONT WANT TO LOSE ALL OF MY CARDS AS I NEED ONE FOR WORK FOR…
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Mackenzie Hall searching my credit file?
Hi I have been watching my Experian credit file for a while now, but it finally occurred to me this evening that i should probably check my Equifax one too. I signed up for their 30 day free trial and, horror, not only have i found another CCJ that i was unaware of having but i have also discovered that Mackenzie Hall did…
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DMP Income question
Hi, First of all I want to thank all of those who post on this board regularly, I have been regularly reading the threads and have found them extremely helpful. :money: I am looking to start a DMP with CCCS, once I have started my new job (recently moved and currently no income) I am also going to be a full time student…
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not in my name?
Hi, our mortgage is in my husbands name, just wondering if anyone knows if they can put a order on our house for a debt in my name only? Have a big loan with lloyds and am waiting for them to take me to court as i haven't been able to keep up with repayments and i know from past experience they try and make it a secure…
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CCA.....what to do after 12+2 ????
Hi I have CCA'd to a DCA, the time allowence will be up this coming Wednesday, what do I do after this time has passed? thanks for your help.
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Credit File Clean Up
Hi All I remember posting a question on here a while ago about defaults and Judgements etc. Kindly someone replied by telling me that they go after 6 years. My new question is, i'm trying desperately to clear my credit file. There are defaults etc that are on there that are over 6 years old. Do they just "dissapear" or do…
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hi, which credit card? low income for balance transfer
Official MoneySavingExpert.com insert For full info on how to find the best balance transfer credit cards, see the main website's [FONT="]Balance Transfer Credit Card[/FONT] guide. Back to the original post... Hi, Ive searched for ages but I cant seem to find the info I want, can anyone suggest a credit card with a 0%…
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Employer contact
Does anyone know if the likes of CCCS contact your employer when setting up a DMP? I really want to do this but I'd prefer to keep things private. :o
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Postcard from Lowell Financial Ltd??
Today in the post my OH got a pre-printed postcard (with his name and address) saying "we are urgently trying to contact you, I will contact you again between 8am and 8pm, if inconvenient please call 0844xxxxxx" (it came through the post, not handdelivered) on the back it says from Lowell financial ltd and a PO box…
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Have you ever sabotaged your debt-free journey?
I've been progressing really well on my way to becoming debt free but have just suffered a set back. I went on holiday to France and hadn't properly taken account of the exchange rate so I massively overspent. Rather than compensating for this when I got back home, I went completely the other way and threw all budgeting…
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Voluntary Termination
Hi there! I want to do a voluntary termination on a welcome car finance hire purchase. The bit about "taken reasonable care of the goods" on the agreement has me slightly worried though. If the car has no service history can they refuse to take it back even if it's in good working order? Cheers.
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advice please debt/Joint loan split from partner
Hi looking for some advice please. 6 weeks ago my partner moved out and took our 8 month old baby as well, when we purchased the house we had a 125% mortgage the 25% being a joint unsecured loan of 20K. she also has a loan with the bank which is solely in her name which is £480pm. she was willing to sign the house over to…
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ccj ' s
can anyone please tell me about ccj's , we have just had to fill in forms and the solicitors have said this will result in us having a ccj ! will this cause us to sell the house ? i am a very confused dfw !!!:confused:
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Help with debt and unemployment
Hey folks, hope all is well. I'm having a bit of trouble with a creditor and hoping you may be help. I've been made redundant and living off job seekers, abut £60.00 a week. Ive only been making token payments to my creditors as I have no money however a solisitor acting on behalf of vanquis have stated if i dont pay £600…
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Capquest and HL Legal Solicitors
I have read a range of threads on other forums re Capquest and HL Legal Solocitors. I am after some advice from others who may have experienced these guys: Firstly my oldest daughter is now being chased for outstanding mobile phone bills x 2. Unfortuanatly she allowed herself to take out one contract for her younger sister…
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confused about who to pay re hsbc debt
i have a debt with hsbc amassing to 1200 pounds (overdraft and account chanrges) i cant realy aford to pay it off completley but i have recieved letters form two debt companies regarding this one callled legal and trade(i think thats there correct name) who say theyll accept £50 pounds a month of the amount. The other is…
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DWP Debt Management claiming money out of the blue!!
I recently had a letter from DWP Debt Management, claiming that they overpaid me Income Support in 1990 and again in 1992, to the tune of £5000. I did claim Income Support during those years but I was entitled to it. I have not heard a thing about this ever, until now. My question is, can this mess up my hard-won…
