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Advice or Suggestions appreciated
Hi Folks. Thought I’d ask for advice before I decide what to do. Maybe someone can suggest something I’ve not thought of. I’m four months into a ‘Payplan’ DMP paying back £24k to three creditors (credit cards) at £152 per month. I’m almost 55, single with no wife or kids to worry about, but the DMP runs beyond retirement.…
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credit cards
This might seem a dumb question but for some reason I can't work it out! If I transferred a £1200 credit card balance to a 0% for 12 months, incurring a 2.8% fee, how much would I save? Currently paying £89 per month, with extra small amounts here and there. Hope this is in the right place, please move if not. thanks in…
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When you think you are Debt Free - BUT you're not!!
Hi all I have just had a great big shock! DD was having a nap, DH at work so i thought I would just go through our online bank statements - BOY did I get a shock! I've been using this site for almost 2 years and pop into lots of different forums on here, so I guess i thought I was savvy with money. Im the one friends and…
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CCA requested still getting several calls a day.
I have a debt in dispute with Capital One bank. They have been phoning my own number several times a day, this I can handle but they are also phoning my Fathers number several times a day. I have not lived at this address for 3 years and informed Capital One of my change of address and telephone number as soon as I moved.…
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CCA second letter help
Hi all, i have sent the cca letter for request of cca to be sent to a relative and they havent responded. can someone point us in the right direction for the following letter that need to be sent please? Also, what does the date have to be, 12+2+30 or whatever? i am not at home and dont have notes with me, so say for…
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restons/ccj/redetermination
I am currently on a DMP with CCCS and after running for a few months all seemed fine, however restons on behalf of HFC have obtained a CCJ from Northampton and even though I disclosed all my details they have been granted £ 606.00 per month, £200.00 more than my DMP in total.I am applying for a redetermination as I cant…
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How much per week!
Have recently completed all the paperwork to start a DMP with CCCS so finally trying to regain control. Admitedly the prospect of paying our 35K debt for the best part of the next 15 yrs is daunting but i guess has to be done. After paying bills and CCCS payment it looks like we will have around £140 a week to cover all…
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thankyou..
I've just noticed alot of you responded to my first post last week after me having a strop about it, sorry! :D I'm not having a good week. this is the week i pay CCCS (£444) and it has left me with about £11 until Friday to feed both me and my b/f! I have been in tears all day, i don't want to live like this for another 2…
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Phone calls
Hi, I've read a few bits on these boards about getting companies to take your phone number off their system to stop the chasing phone calls under the data protection act. I've just tried it with Barclaycard who phoned up this afternoon and they say as my account is in arrears they have a legal right to a phone number so…
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DCA ignoring my req for original agreement?
Hello and I'm glad to join here, looks very helpful. I recently sent a £1 PO with a recorded letter asking for the relevant information (Credit agreement etc.) regarding a debt a Debt Collection Agency (DCA) says I owe. To elaborate, I can't even recall ever having had dealings with the original company mentioned by the…
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Afterglow's 30 week challenge to being debt free
well have decided want my debt free life back once and for all, with the money i earn being mine and not the banks!! so I owe Lloyds £2900 on a loan at 16%, I pay out £188.42 a month, so figure if I pay in £100 a week then im debt free in 30 weeks!!!! so doing 1 extra shift a week in the pub as a licensee until my loan has…
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unenforceable credit agreements
what action can you take & what compensation can you gain from an unenforceable credit agreement .
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Need some help managing my finances please.
Hello everyone, I have a few debts that i can still manage at the moment but i am starting to feel the pinch now....especially in the last couple of months.....maybe someone could give me some guidance please? I am single guy and i take home about £1500 a month..... I bought my parents council house with the discount they…
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Happy Birthday Hypno!
:beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: Hope you're having a GREEEEEEEEAAAAAAT day! :bdaycake: :bdaycake: :bdaycake: :bdaycake: :bdaycake: :bdaycake:
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Sunday 9/11/08 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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Some Advice please
Hello, Im new to all this, so be gentle! I currently have a loan, the settlement figure is £3460. My income is £1400 per month Total household bills £550 Loan repayment £250 Savings £100 per month. I am left with £500 to live on for the rest of the month. I have £1000 in savings. I am getting married next August, and want…
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weekly spends challange ~ w/c 9th november 2008
Good morning everyone :beer: . This challenge is open to anybody, no matter what financial place they are in. This challenge basically runs along side the daily spends thread where you post what you have spent daily. However you dont have to be in both to be involved in one. On this thread please post an amount of money…
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**Sunday Morning Chat thread 9th Nov**
Morning! Off to body combat in a bit...and I am definitely going this week, no ducking out of it this week.. I have just wasted a good two hours watching casualty and strictly and am now on X factor.....I am so easily distracted from performance management:rotfl: Enjoy your run girls.....:T
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SOA Calculator back working again.
Thanks for letting me know if was not working. It is back online and working now.
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HSBC connected with any of my creditors?
Hi, I'm hoping someone might be able to help me. I am about to start a DMP with CCCS and I owe money to (big breath): Black Horse (Lloyds) Zopa MBNA CO-OP RBS NatWest Nationwide Halifax Post Office Barclays Citi I need to open a basic bank account that is unconnected with any of the above creditors so that offsetting…
