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Debt-free wannabe

Archives for November 2008

Store Cards and an addictive shopper!
hiya, Its taken me a long time to admit but I am addicted to shopping. It started with needing credit to get myself some clothing when money was tight, it was the easy option to be able to get what i needed quickly and pay for it bit by bit after.. But then it got very addictive, seeing things that i really liked, ordering…
I owe some money to a debt collector do they
let you make a one time smaller payment if you agree to pay it in full or do I literally just pay nwhat I am billed to pay? I owe 400 to this company but was wondering if I ring them tomorrow and offer to pay it in full if we could come to some agreement?
How to stop my debt getting larger?
I have recently become a full time university student a few years late having been working various temp jobs for the last few years and have a debt of £2500 on my mint credit card. I'm unemployed and right now, am finding it incredibly hard to find a job near me that fits in with my university schedule, and nowhere seems…
Cca advice
Hi all, I'm new here and as I'm in a predicament, though to post to ask for help. About 8 years ago I took out a store card with M&S and contunued to use it and pay the balance. To cut a long story short, I moved house a couple of times and completely forgot about it (I haven't received any communication regarding this for…
Lucky's Diary
Yet another diary!!!! Please ignore this one! Basically, to cut a very long story short, I have about £12,000 of debt at the moment, excluding my mortgage. £6k on one cc and £6k on my overdraft. I managed to get debt free for a while, then bought a flat and had to buy things for the flat:rolleyes: . I want to leave the UK…
If no CCA and I still pay how will this affect me
Good Evening Everyone, I was wondering where I stand as I have sent CCA requests to a couple of my credititors and they have replied by sending me a copy of their terms and conditions and the consumer credit Act. Having read the information on this site I realise that these debts are therefore, unenforceable and whilst I…
EGG and DLC - Help Please
Hi All In Aug 2007 Egg managed to get a charge on our joint property (somewhat in dispute but getting nowhere) for a credit card in his name. This was dealt with by Eversheds Solicitors. The charge was accepted by the judge even though in our opinion the protocol/procedure for the charge was not followed correctly and…
Unfair loan issues ongoing
I was advised to put this post here as I had ut it in the wrong place. Just to set you in the picture i took out a loan 3 years ago 5K over 3 years including interest it would work out total payment of £6820. Not a problem at the time as it was to set up being self employed and the payments were easily managable. I was…
Can anybody please help?
I was recently on a DMP but i had to leave my job at Tmobile about 6 months ago as i was moving back home from Uni Halls and they could not offer me a transfer at the time. I couldnt afford any DMP payments with CCCS for the last three months and i explained my situation but they still wanted the payments for the debt…
Pap Weekly Challenge - Week commencing 1/12/08
I haven't seen the thread for the last few weeks and I have missed it. Anyone know where it is? :huh:
Starting my 2009 New Year's Resolution now!
After having my LBM last year, our joint debt has decreased,increased and then decreased again. It's been up and down like a yo-yo and I'm starting now as this debt has to be gone by the end of 2009. I know it early to start our New Year's Resolution, but I figured by starting now it gives us a full 12 months to get…
Re: Unsecured Loan - Rule 78 being used I think?
Not sure if I'm in the right section. . I took out an unsecured loan in December 2006 for £7000. After reading Martins blog on loans I think I'm being treated under Rule 78 is this legal? Thought the law had been changed in June 2005? It turns out I'm paying off interest of around £3000 before I even touch the actual loan.…
Younger DFW's??
Hey ladies & gents, I was just wondering if there were any younger DFW's in here? say under 25? Youngest ive seen is 15 in another part of the forum, I was just hoping to chat to some people and see how your managing etc... Im 20! I'm not outcasting the over 25s!! Just curious to meet people of a simular age in the same…
Reducing electricity bills
Hi all, Does anyone have any tips or links for reducing our elec bill? Just had a quick look at the 50% electricity challenge, and everyones bills are so much lower than ours! I know my dad is stressing about this a bit. Its around £220 at the moment. We have a big 5 bed house, but have recently put in energy saving bulbs…
Help: Advice plz, paid with debit card but no money in account!!
Hi, I made a purchase for £400 with my debit card. The retailer hadn't taken the money from my account yet however, an emergency came up where i had to withdraw the £500 I had in my account, leaving a £0 balance. What will happen when the retailer tries to take the money in the next couple days? My overdraft limit is only…
Good News if you have a C&G mortgage...
Don't know if this is the relevant forum to put it in, but here's some interesting news that you may not know about. I was really struggling to pay everything each month, so I rang my mortgage lender - C&G - to ask them about the possibility of a payment holiday. I thought if I could just get a month's grace, it would…
And another DFW Diary
Hi All, I've been a lurker for ages now and really admire how all of you are reducing your debt. I've done the snowball thingy and my dfd is Dec2011 which I def wanna get down! My SOA [as you'll see] has capacity for me to pay more off my debts but I don't have this money left every month - God knows where it all goes.…
help for change in circumstances
Hi I am looking for some advice for my friend at work regarding tax credits and maternity pay. She is a single mother and she gets both work and child tax credits which is greatt she is elligible for maternity pay for 39 weeks at 90% of her wages but whilst she is off is she still able to claim the working tax credits or…
My debt has been passed on but i haven't received my CCA?? Advice please?
Hi All, Would really appeciate some help with the following or being point to another thread where this has already been answered. :confused: Simply put, i have £7K of outstanding debt with RBS who over the last 4 Years have passed from Debt colletors to debt collectors. I have seen all the favourites and the last one was…
Debt Collector / Credit Management help
hi all, hope this is the right place to post this. my partner has received letters from ARC (Europe) Ltd. and Trevor Munn solicitors, chasing a debt for unpaid gym (David Lloyd) membership. the story is... - she took out a gym membership earlier this year which she would pay monthly by DD - the first payment failed as the…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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