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debt managment
im in about £7000 of debt and have been quoted £175 a month for the 1st 3 months then £130 a month after they take £30 a month for there fee also the 1st 3 payments dont go to any of my debts its there fee has well the company is called debt free me should i go with these or is there a better one out there
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Tuesday 09/09/08 - What DFW thing 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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**Daily Chat Thread**9th Sep 08**
Tuesday Terrors - Kitchen and Dining Room Level One Clear and wipe kitchen surfaces Level Two Sweep and mop floors CLEAN THE OVEN Wipe dining table.. (clean table cloth if necessary) Level Three Dust any extra furniture in dining area, checking for cobwebs on way round Wipe and replace all those small appliances.. kettle,…
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Inspirational video
http://www.youtube.com/watch?v=Vz5H62O-72g I loved this and thought I would share. It could be used for any challenge in life, going at it inch by inch. Its from a film starring Al Pacino, Any Given Sunday. A warning though it contains some strong language, if you are offended by that.
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Feel Like I'm Starting to Slip Back
Hi - I've lurked here for ages, think it's a brilliant site and have now plucked up the courage to post a few times. I started a DMP in December 05 with PayPlan and since that time I have been really really disciplined and kept in budget every single pay period (I work for the local council so get paid 13 times a year -…
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Fredericon International Limited - Where Do I Stand
Hi, I'm half way through a DMP with PayPlan and today received a letter from Fredricksons re a debt to Littlewoods which is paid on the button every month. They're saying that their client is now Phoenix Recoveries (UK) Ltd and that my current repayment arrangements are being reviewed and in order to repay the debt within…
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struggling with debt
hi am new here, and this is my first post, iam currently around £7000 in debt and have entered an iva with baines and earnst , iam paying around £250 a month as my finances are a mess at the moment i earn quite a good wage but I just cant make it last iam living month to month getting payday loans to keep myself afloat and…
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SOA - Postgrad need some advice
I'm currently a full time postgrad student (Mphil, upgrading to PhD) and working 2 1/2 days a week, with 5% of my gross wages going towards a pension. I'm struggling to make ends meet, and it's worrying me. I split up with my partner during my 1st year phd and had to move out, which cost me a lot and is very difficult.…
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Advice needed please!!
Hi all! Sorry if this is the wrong forum but I think there are plenty of experts who may be able to help me here! I have an account with Nationwide which I rarely use anymore as I am also with Halifax. I have read that they maybe merging with the Derbyshire. I have around £6 in the NW. Now a few years ago a crafty mate of…
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Simons Update On Debt Crisis
Hi everyone, well made a start today on the long debt free recovery road. Already had a chap on the phone who we had given our telephone number to on a lesser money expert site telling us a right load of bull that his company could instantly take on board all our problems with an IVA at no extra cost for the next 5 years…
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Handing in my notice need Advice.
I am a teacher, I have taught for eight years. In the last couple of years I have been getting increasingly miserable to the point where I have a headache most day, frequent migraines and have been put on anti depressants by the doctor. I deliberately did no school work over the holidays - a decision which I am regretting…
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Banking Question..............
Ok not sure if this is in the right place.........................if not please feel free to move it somewhere more appropriate. We are trying to sort out our finances at the minute................getting everything coming out of one account as opposed to about 4 different accounts, hopefully with the end result that we…
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IVA proposal accepted!!
At last today my IVA proposal has been accepted....paying alot less than I was whilst on DMP with Payplan. Did IVA through CCCSVA.....and they have been very very good.
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NEW MEMBER - Turning over a new leaf
Hi All, Just wanted to introduce myself as I have been getting stressed for a long while now with debt, but have decided to pay it all off and turn over a new leaf. I'm aiming to be debt free as soon as possible. I am 25 and currently live at home with my Dad. Graduated with a HND in music tech about 2 years ago, but work…
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Payment History To Moorcroft
Evening All, I paid a cheque to the moorcroft group in September 2004 and I am currently being pursued by a different collections agency for the same amount. I contacted moorcroft this afternoon as I need to know who the original debt was referred to them by. As naturally i want to make sure the debt hasnt been duplicated.…
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Foolish student needs help!
Ok this could be a long story, apologies in advance... Basically I'm a 21-year old medical student at Newcastle uni, in quite a lot of debt I'm a longtime lurker here, and I'm quite ashamed to say that my debt came about in the opposite way to many of you guys - it was spent frivously on going out, having fun, pointless…
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Bank ruining my life
Hi, During a dispute with the RBS they took money out of a dormant account which has affected my credit score and leaves me unable to re-mortgage along with other future difficulties. This was definately a bank error and I am struggling to get a response. Is this an area where you could assist or is their another legal…
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Unpaid DD - not my fault!!!
Hello I recieved a call from my local Gym today informing me that due to system problems at their end my direct debit has not been collected for the last 5 months. Therefore they are now asking me for £250!!!!!!! What is my position on this? I mean, yes, I have had the benefit of their services over the last 5 months but…
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Pro-Rota Offers Of Payment
Hi Has anybody gone along the route of Pro-Rota Offers Of Payment to their creditors? If you could let me know your experiences & if it was worth doing etc,that would be great. Thanks.
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Scared
I don't know whether I'm posting this in the right place, or not, but it's here now. I don't know what I should do. I've got about £15k of debt that I cannot afford to pay. This time last year I took out a £10k bank loan despite being unemployed and having no other way to pay it back. Along with an overdraft with that same…
