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today I take charge - stop "trying" start "doing"
:T Today I have stopped thinking about clearing my debts and have started doing. For probably about 2-3 years I have been browsing on this site, looking for means of saving money - often spending as a result of the fantastic bargains people find, however I realise nothing is a bargain if you don't really need it. Over the…
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STUPID debt collecters
GGGGRRRRR a couple of months ago, i had a letter shoved throught my door saying that someone had come to collect a debt, i checked the address and it was the wrong address i live in s****ing close and the letter was for s****ing hill The same day I rang the company to tell them they had put the letter in the wrong post…
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Bank closed account
I am stuck after charging me £200 in charges this month and i refused to borrow more money off them to pay it back the bank has defaulted my account which i now understands renders if useless, i do not have another account but my wife does can i get my wage paid into her account even though i am not named on the account
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worried sick
Hi guys, I am hoping that someone can give me some advice. I entered intoa DMP with CCCS in October 06, I have not missed a payment to date and thought I had paid off one of my debts to Nationwide regarding my o/d. The debt was around 1200 pounds but after claiming back bank charges I owed them about 285. This debt was…
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Debt free in Jan 2009
Hi, I owe £1300ish to a debt collection company, I have been saving £150 a month and will have £1000 in December. If I offer this company £800 to clear the debt as part of a deal to get them off my back, do you think they will take it? Has anyone else done this and managed to clear their debts? Thank you
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Debt Collectors Help!
Hi I am confused regarding debt coleectors My girlfriend had a letter that was sent to her from a debt collector saying she needed to contact them ASAP which we did they informed us that she owed them £600 form an old Credit Card Debt. We refused to pay anything until they gave us a breakdown of the account. I put this in…
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Our SOA
This is for my partner and I, so if some of the figures look high then it's probably because it's for both of us. Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 0 Benefits................................ 376 (in the…
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Advice Please
Hi guys just looking for a bit of advice really i've been in a dmp with dfh for 18months now and i've had no problems, i do pay them a fee, so i took it upon myself to contact payplan, they said that i dont have enough debt for payplan to act on my behalf but sent me all the relevant paperwork to go it alone, i've drafted…
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Newbie in need of help
Hi all, At the moment I'm a soletrader, but with the downturn in the retail market things are becoming very tight, though its more my personel debts which are draging me down not the business ones. My question is, I own a house with my ex-partner which I pay half, we have a mortgage of £139 thousand, with the house being…
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gym membership debt HELP!
hi all, looking for some help regarding my son's old gym membership. He was with a local gym for about a year or so and then they closed down. Their new gym was miles away so my son was unable to get there. He tried to cancel and was told to join a new gym locally and they'd transfer his membership as he was still tied in…
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Morrisons £20 off xmas shop
Anyone else doing this?? I shop at Morrisons cos its the only supermarket in my town, well besides the cheaper shops (Aldi & Netto) and then the bit extreme of Waitrose. I think its a fab idea. I don't have family here cos im from Australia and we usually got to my OH's parents for xmas dinner, but they put a dampen on it…
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A quick update on me
Hello everyone! I've posted a few panicky questions over the last few months while we were in the process of setting up our DMP. We are now up and running with CCCS and made our first payment in November. We have 10 creditors in total, mostly store cards. We haven't heard back from everyone but got a very funny letter from…
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bank put a stop on our money!!!!
Please, please any advice would be grateful. I will get straight to the point - We had a business account with lloyds tsb, which didn't do to well, we owe £10,000 on the overdraft. We opened another account with lloydstsb (same bank manager arranged this). We received a bank credit today of £1,500 - but the cash machine…
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Saturday 15/11/08 What small dfw things have you done today???
:D 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,…
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*Weekend Chat thread 16th Nov**
Bit of a hangover this morning.....whoops!:rotfl: same old boring weekend for me this weekend, studying and housework. I am going to have a flu jab today though, can you believe it work want us to have one so we don't get flu and have time off work! I am only having it because I think sods law I will get flu and they will…
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Trust Deed
I am in the process of setting up a Trust Deed (Scotland) which I hope will become protected in a couple of weeks. Meanwhile the company dealing with my deed has written to all my creditors informing them of the deed in the past couple of weeks. I was told by the company they would start dealing with my creditors directly…
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pain of nursery fees
I am not expecting sympathy here I know there are a lot of people out there who are worse off than me. I guess I am having a moan out of frustration. I have one daughter who I adore she is three. I am 35. I earn a good wage better than average (I am the lady of the house ;-) My partner earns a very poor wage in fact he…
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Rugbymum's SOA Diary
Arghhhh I really need help. Please comment away, but be gentle, I'm feeling a bit fragile after paying £591 garage bill. This is for myself and three children, two of whom have frequent periods of illness & hospital visits. My finances are complicated so some of the amounts may seem odd. Any questions feel free to ask.…
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Help please
I need help please regarding The Dam Bailiffs again They have sent me a card today telling me somone is comming to visit Thursday which thursday I dont know I called the number and they told me what I suspected anyway that our checks had been cancelled which wwe did as then our mortgage that is already in arear's would not…
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answer to all your problems
