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** Daily Chat Thread**8th Sep 08**
I am shattered... Can't party like I used to...... Here's todays list...I can't mess about this week I am going away on Friday night:T so lots to do Here's your list. I am looking forward to lively chat today! Monday Mucking out - Living Room, Hall and Stairs Level 1 Vacuum through the living room, hall and stairs Level 2…
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Monday 08/09/08. What small DFW things will you do today????
[FONT="]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…
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Registry Trust query
Are there any implications to running a search at the Regsitry Trust?
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New to all this
Hi all, I have debts of around £17k (all cc's), I do have my own place on a shared ownership scheme and have been advised by the national debtline that the best way forward for me is a dms. I have a couple of questions which maybe someone can help me with? Do I need to declare all my cc debts as one is very small and as…
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vodafone default hell!
hi every one, i do apolagise if im using the forum wrong but this is my first post! have patience pls, i am in need of some help with a situation with vodafone over a 2 year old debt that has resulted in a default on my credit file! the debt was for one of those wireless internet cards for your laptop witch began as a £25…
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Newbie
Hi All, I joined the forums a few months ago and have been lurking around reading posts but have not yet posted and not too sure how to start:confused: Do I post my debt and my monthly expenditure on here? I am also a bit confused as to all the "challenge" threads going on especially the live on £4k for a year one - I have…
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IVA Complete Creditor Still Looking for Money
My problem is i have just completed a 3 year IVA but now need to find 20K to pay off Northern Rock due to the fact when i took out the IVA my flat had increased in value. My current mortgage outstanding is £32k. Property Value £70k Salary £21k Monthly Mortgage £280.00 I could easily afford a new mortgage but due to the…
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Advice needed!
Hi all, Bit of advice needed pls! My partner and I are looking to pay off our cards and car loans, by way of either a fairly large low interest 5-year loan, small remortgage, or both. We will be selling our cars and buying one cheaper car between us, and using the cash from the sales to pay off some cards/loans instantly.…
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Advice on getting out of debt.....
Have around 13,000 spread over 5 credit cards.... looking for advice on best options for clearing these debts. Don't fancy transferring and having further credit cards....advice if anyone else having same problems?? Just paying minimum payments and it's crusifying!!
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what do MBNA do with your debt if they dont accept your DMP
Hi everyone, I was just wondering if anyone could tell me what MBNA are likely to do as they have not accepted my DMP payment arrangement, as they say its not enough. They have asked for £45.00 a month more which I simply do not have. They are my bigest creditor and I owe them £9500 approx. I have been looking for a…
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Credit Checks and Renting
Hi all, I wonder if anyone can help me...... I have been on a Debt Management Plan since July this year. Around 80% of creditors have accepted but I have been given around 4 defaults along the way. I currently rent a property and the rent per month is Huge! I want to reduce it so I can pay more into my DMP. I am now…
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pap/moozies weekly spends challenge ~ all welcome ~ w/c 7th september
Every Saturday a thread is started where you all pledge a ‘target’ amount of money you will not exceed through the week, Sunday ~ Friday inclusive. Each day, if you can, come along to the daily spends thread and post what you have spent that day. We are all very supportive in there don’t worry. Then on Friday night ready…
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Basic Bank Accounts
Hello Guys, Can anyone help me with a question. I am looking to open a new basic bank account and i'm having difficulty. I had an appointment with HSBC in branch and we went through the various questions in order to open a new account. The advisor asked me if i had a bank account elsewhere and i said yes but i can't use it…
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Ask a DCA Worker
Hello ladies and gentlemen, I work at a DCA. If there's anything you want to know, ask and I'll try my best. A few things to note:- - I'm not a phone monkey - I don't work for one of the big players - Different DCAs have different policies and ways of working and what I say does NOT cover all DCAs. - I will try not to give…
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Hi Can I have some advice please?
Hi just wanted some advice really this is our outgoings & incomings Mortgage owed £46,500 and 17 years left No credit cards or other debts at all. Husbands outgoings monthly Mortgage £360.46 Boiler (incase it goes wrong £3.17 Council tax £124.00 Virgin Media(includes broadband, calls & tv £50.00 approx)Goes up if I talk…
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Boyfriend in £15k debt plus taken out credit in someone elses name
This is the first time I've used the forum site for advice but I really dont know what else to try - any advice is very welcome. I've finally managed to get my boyfriend to talk to me about his debt problems which I know are spiralling out of control for him. He wrote a list of everything he owes but he's admitted taking…
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Birthdays
I just realised that my children are 18 and 21 in the same year, need to start saving big time now - top tips welcome,,,,;)
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Just when I thought it was OK to ....
.. start living again, things come out and get me. 1. Lloyds TSB have replied to my complaint about their persistent calls, by saying they need to contact me to make a payment arrangement. This despite the fact that they have received the first payment from CCCS by now. 2. DLC who are chasing me supposedly on behalf of EGG…
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Video Clips and Songs about debt!!!
Do you know of any good clips or news items online about debt? Do you know of any funny cartoons or songs about debt? Here's a song to kick it off THE CREDIT CARD SONG http://www.youtube.com/watch?v=2JwdIWjVHaU
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ahhh pants.....
Gosh i havent been on here for months :eek: Not sure if anyone of you will remember but I got nailed my debts down to a couple of grand instead of the 15 grand i started with :o Well my debt has risen now to eight grand due a car purchase :o BUT this had taken some long diliberation and thought before i bought the car as…
