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Debt-free wannabe
Archives for November 2008
Discussion List
Where should I put this extra £180
Hey, great site by the way...
IVA Council
Help - letter from the IVA Council
Life after Trust Deed?
Trust Deed Stories
Scottish Trust Deed
Wescot chasing a debt from 12 years ago
Hi All, I've just received a letter from Wescot trying extort a debt. Am I correct in thinking that the debt is statute barred? Basically I was only 18 when I ran up a catalogue bill, I never did pay the debt off, Im now 31 I guess Freemans and/or debt collector hounded me for the money back then (over 12 years ago) up…
The IVA council, advice please
HELP!!!! Overpayment of wages!!
Hello am new here so I hope you can all help me. I was overpaid in my last job and we paid back what they asked and had a letter to say that the overpayment was cleared. Last week (almost 6 months later) they phoned to say there had been a mistake and we still owed £98.13. We have had a letter this morning asking for the…
IVA Help plaese
How to set IVA up?
IVA Help!
I have sort of done it!
I had to post this. Whilst I know that I'm not completly debt free, today I finished paying off my credit card which signals the end of my interest paying debt. I have paid off £6601.23 since I started in April/May of this year. I am so chuffed. And i wouldnt of been able to do it without MSE thats for sure. I am ready to…
Saturdy 8/11/08 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,…
Co-operative Loan Help?
Hi guys, I am on a debt management plan with CCCS and one of the outstanding debts is to this company and happens to be the highest, at just over £12k. Recently I decided to send certain companies offers for part and final payment and also at the same time, sent a letter to the co-operative bank asking them to confirm the…
Some much Needed Advice Please !!!!
Hi All Great forum , i Am new here so please bare with me . This is my basic situation Debt. Amazon Card £7029 Amex £10600 Barclaycard £6549 Egg £16000 Halifax Card £4282 HSBC Card £9219 HSBC overdraft £3041 Marbles Card £6700 Total Debt = £63420 (jesus , looks even worse when i write it down) Income around £4200 per month…
I'm having trouble...
using the statement of affairs calculator! I'm a bit of a techno phobe so do bear with me, but I've filled most of it in and got upto the part of christmas presents etc and I can't go no further? I've tried loading it up again but it's still the same. Will someone help me please? Arrrghhh!!
Starting a DMP with CCCS
Finally getting all the paperwork together to send to CCCS to get my DMP started. Does anyone know what the cut-off deadline is for them to receive the stuf so that you can start the next month? It's already November 8th and ideally I wanted to start on December 1st but not sure how long it takes them from receiving your…
safe bank account
hi i am new to al this so please bear with me, i currently bank with the halifax, at the moment am managing to keep paying all my bils the two debts i have are a loan which is 14,000 and a creditcard which is 7,000 both foolishly acquired through my own stupidity. at the moment am managing to make payments both of these…
**Sat 8th Nov** Daily Chat
Hi All Hope everyone is doing well, or as well as can be expected :) I'm now off to work :(
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