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Frederickson International
I have a debt that has been passed on to frederickson international. The debt is an old one, I recently heard that if frederickson international dont have my credit agreement then im not legally bound to pay the debt. Is this true? And what should I do now?
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Minimum payment equivalent to snowball calculator?
Does anyone know if there is an equivalent to the snowball calculator that calculates how long it will take / how much you would pay in interest if you only ever made minimum payments on credit card and loan debts? The snowball calcuator is terrific, but I'm really interested to compare the difference between making…
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Day number 1
Hello everybody. I am new to this forum but have browsed quite a few times over the past year or so. I've finally managed to get the courage together to get help and am signing up for a Debt Management plan with CCCS. My debts are: £9,611.57 Barclay loan (£199 a month) £5,712.10 Citi Financial Loan (£159 per month) £2,805…
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ebay or amazon......?
have a few well ok quite a few books knocking around and nit sure whether to use ebay or amazon I'm already signed up with ebay but lots of folk been using amazon but when i checked it out seems you pay quite a percentage to amazon for selling your stuff so gut feeling says stick with ebay any suggestions or experiences to…
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No Loan Statements For 3 Years
Hope it's a quickie. I'm on a DMP. One of my creditors is Black Horse. I have NEVER received a statement for this loan. I wrote and asked for one because they have charged me so much in additional fees & interest that I now owe more than I did in February!:eek: Could someone please tell me if BH have a statutory duty to…
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Losing my job!
Hi just had it confirmed they're letting me go, annoyingly only need to give me a weeks notice, but has given me a heads up she's trying to work it with the board til pay me to Christmas. Feel depleted of energy! Pip xx
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Rewinding back to the beginning...........
I am back, now I think for the fourth time but this time I feel on a completely different level. To cut a long story short, for the last two years I have worked hard at paying the debt off, slipped down a very very long slide and gone back to the beginning. Not sure when I last posted but since then a lot has happened, the…
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Cccs
a lot of people seem to swear by their advice. i may be the only one here to disagree, but does everyone realise why they are a "charity". has anyone contributed to their running costs like you would a normal charity? who pays for their work? your creditors pay.... who's side are they on???
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BLack Horse Finance..
Hello Everyone Just wondered if anyone had any dealings with Black horse finance and if its possible to make overpayments/lump sum payments off the loan (Car finance) Also, how does lump payments work, our settlement figure is £4000 but obviously its more if we go the whole distance witht he loan, but say we pay off £2000…
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DFW Daily Chat 13 November.
yaaaaaaaaaaaaaaaaaaaaaaaawwwwwwwwwwwnnnnnnnnnnnnnn Morning all. Didn't go to bed until 1 this morning and am pooped. Off to work in a little bit, days like this I wish I drank coffee!! :rolleyes: Hopw everyone has a good one :T
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Thursday 13/11/08 What small dfw things have you done 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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Fredricksons Wont Accept My Offer
Currently all my creditors are receiving £1 a month 'token' payments as i'm on Income Support......... But fredricksons acting for Littlewoods, wont accept it. I filled in a form with my outgoings etc.........sent proof of my benefits and rental status......yet they appear to have ignored all this, and just demanded full…
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CCCS & Barclays
I'm currently on a DMP with CCCS and one of the companies I owe money to is Barclay's bank it was an overdraft which has now been put in a separate account, BUT I've no record of the account number and neither has the branch as it doesnt show on there screen, is there any phone numbers or address i can get in contact with…
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Budget planner results - advice where to cut back?
sorry deleting this
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here is my soa, please give your opinions.....
Monthly income after tax................ 2300 (sometimes gets more for overtime??) Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 165 Total monthly income.................... 2465 Monthly Expense Details Mortgage................................…
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My HALVE IT Challenge!!
Okay, I have set myself a challenge to HALVE everything I possibly can... Ones I've tried so far, without any noticeable difference to the end result, are: * shampoo/conditioner * washing up liquid * washing tablets * grocery budget (switched from "brands" to "value" items) * Time in the shower * length of time our heating…
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Drink Vodka save money
Hi to every1 on MSE, since I started saving for our wedding last year, (got married August this Year 08) I have become obsessed with saving money, asking for discounts on purchases and just basically tight overall. I thought I would join the forums challenges of which I started off by joining the £2 Savers Club 2008 and…
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Where should I post my SOA??
I have just joined the forum and I'm looking at using Churchwood. However, reviews are looking grim for them. I have an SOA where should I post it please?
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A word of thanx...... progress diary
......to all who have helped out and posted advice to us from april this year when things got nasty. We have turned a major corner today in achieving a goal to get a stat demand set aside, thanx to everyone on here we have just about managed to hold our heads up high for a little while any ways. Today marks a new start and…
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What to clear first?
I have 5 CCs as shown: FD £854 @ 5.9% LOB Mint £1300 @ 0% till March 09 Virgin £3700 @ 0% till Aug 09 Citi £1350 @ 0% till July 09 Amex £800 @ 15.9% I've been saving frantically to get a lump sum/sums to clear some debts and get rid of some and was wondering the best way to do it. Once my fixed savings finish (Feb 09) I…
