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Addicted to credit cards
Hi Guys ive looked through the various budget planners, and self help packages, but im struggling big time to manage my debts, and its all my own stupid fault. Im 25 I have 2 credit cards with limits of 5.3k and 3.5k each. The interest free rates on these credit cards both end in Jan 09 My current credit card debt is £5362…
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MOS - newbie diary
Well I have been lurking a while and occasionally popping out to post replies etc where I felt I could and was amazed at how many people write a journal of their debt free journey on here and how useful it seems to be... and so here is the start of mine... I guess the first thing to do is properly introduce myself - I am…
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Creditors Killing me....................HELP
I have an overdraft, a loan and two credit cards with my old bank plus other cards and debts with other companies. I did start doing what I read on this site, getting my house in order, stop spending on my cards, budgeting but then my husband got made redundant 4 months ago and I am now back where I began and worse. All…
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Advice on DMP please.....
Hi, I am about to enter into a DMP (through CCCS), but I am just looking for some advice before I do. Part of the debts that I am hoping to get interest frozen are 2 overdrafts. Now on one of these I think over the last 5 years I am owed approx £1200 in bank charges, and the other probably approx £400. Am i best to enter…
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Court Action Please Help
mmmmmmmmmm
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Bailiffs at the Door!!
Hi this is student girls partner here (student boy I suppose) I have been contacted by a bailiff from bistow&sutor for a £2000 bill of unpaid council tax. However for two and a half years of the three concerned I have been a full time student. The first I heard of this debt was when I was contacted by birstow&sutor the…
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Can my bank take money directly from my account to pay a credit card debt?
Hi all I bank with Natwest and in the past I also had a Natwest Visa. I got into a bit of debt on the card while I was in my previous relationship (shared debt which is unfortunately in my name, for which I will never see any of the money from my ex). The card was cancelled a long time ago, and the account was passed on to…
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Loan to pay of Credit cards???
Hello, I'm new to this forum. I have credit card debts amounting to about £12k. Is it better to take out a loan for that amount and pay of my credit cards? As this would reduce my monthly credit card payments and also in the long run I will be paying less interest. Can someone help me as to the best way to clear these…
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Car on HP
Hi I have been struggling to keep up with my payments on my car for the last 3 months, i have paid over a third off the balance - but the finance company has passed my account to debt collectors Euro pol (certified bailiffs). They posted a card through my door yesterday and it says to "ring them" which i will do today! I'm…
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worry bout being charged,
Morning, I got two bills need paying one is £12 burton and £23 barcley card, only problem is i only got £1.72 spear in bank account, My payday is tomorrow. Do u think if i pay them at 8pm tonight i be ok & wont get charged and work show on net banking till few days. Dunno what to do.
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moorcroft threatened me....
been getting a few letters off moorcroft again even though they cant provide a cca and its been over 6months now....they have even begun phoning so i sent the letter all communication in writing, etc... well - last night they phoned again at 8.18pm and when i said put it in writing as not prepared to talk to you over phone…
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Thursday 11/09/08. What small dfw things will you do 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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Pap & Moozies what have/will you spend Thursday 11th Sept?
Goooooooooooooood Morning:D Hoping for a nsd today . Have a great day and keep it low:D
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Daily Chat Thursday 11 th Sept
HA HA HA HA HA I beat her again:j :j :j Thursday Thrills- Bathroom and Study/Pc Area Level One Clean floors in these rooms Level Two Clean baths, toilets, don't forget the outside! and sinks.. shine the taps with a toothbrush Clear any clutter from desk Dust PC and desk and wipe off those cup rings!! Wipe keyboard, house…
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Feeling picked on
Hiya all xx I have been following your advice on here for quite a while now. I have a new bank account with no loans,overdrafts or credit cards attached to it and it will stay that way! my previous account was linked to 2 loans and a credit card and if I missed the due dates they took payments anyway. I have also contacted…
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advice sought
II'm posting on behalf of a friend, she's today came back home after looking after her ill father to find a letter from a solicitor referring to a ccj and a debt. Bryan Carter & Co Solicitors 05 September Dear Sir/Madam IN THE Nuneaton COUNTY COURT RE: Nationwide Building Society CLAIM NO: OUTSTANDING ARREARS:£150.00 Dear…
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Credit Card Debt Advice
Hi, newbie here, and have a quick question if that is OK?! I have two long standing credit cards (with Nationwide - £6,000, and Capital One - £4,000) that I have been desperately trying to clear for some time. I haven't used the cards for well over a year and am just literally paying off what I can monthly (normally just…
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Repossesion where do we start?
Hi all. my girlfriends mother has been struggling with debt for some time. to cut a very long story short. she is a single mother of 2 and had to deal with it all. So far she was struggling to keep up with the repayments on the house, again long story but she used to work for a repossesion specialist so she is in the know…
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Lloyds TSB Solicitors Letter
Hi, Ive been on a DMP with cccs for about 4 mths and have just received a letter from a firm of solicitors called Sechiari, Clark and Mitchell. They are saying that if payment in full is not received in 7 days I face court action. My OH went bankcrupt on Monday so I don't need this at the moment. Im trying my best and Im…
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My Debt My Problem but I need some Advice
I have been in debt for quite a long time in excess of 10 years. Amost 2 years ago I contacted CCCS as I had reached the point of no return. I owed £41,737, however, I have repaid £16,500 and should be debt free in 2011. The biggest problem I have is with HBOS Visa card, I stared with a debt of 9,500 have paid 2,546 with a…
