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What do people do to keep their spirits up
hi all, I was wondering what people do to keep themselves smiling in their difficult times, AND to keep their mind on the most pressing issue. I still have not found a flat (7 days left!), my partner is not talking to me and my friends dont seem to be very supportive! However its a beautiful day outside and Im looking to…
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Quidco and surveys
Hello there, i am new to posting and usually just browse but i want to start getting some debts cleared. I have read alot about you making money with Quidco, i have no idea what it is or how you make money? Please may someone fill me in and also i am quite keen on doing surveys to earn money, does ne one know of any…
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letter from creditor causing embarassment
Hi everyone, just wanted to put this situation before you and see if you think I should take it further as official complaint. I have today received a letter from a bank i owe money too. problem is, the letter came in a window envelope which showed my name and address but above my name and address it had "ref: notice of…
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Buchanan Clark & Wells - 10 yr old debt
Hi i really need some advice... over 10 years age i took a loan from provident(much stupidness) about a year later we got a consolidating loan from welcome finance and paid it off.. i had a clear out and chucked my provident book about 5 years ago as thought i wouldn't need it.. Anyway i have now been in touch with…
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Cancelling gym membership?!
Last year I took out gym membership at Virgin Active, the problem being i dont go anymore and Im still paying £43 pm, i took out the yearly contract so i dont think i can cancell it? is there any way around this?
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Has any one heard this one before...
I have received a letter from Equidebt telling me the account is due for review and if i do not call by 29th of November they will recommend to abbey that they re-instate the interest and charges to my account. I have been paying the agreed amount at the agreed time and understand reviews are just another way to add…
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Mental Health and Debt: Mental Health Workers & Others Feedback Needed
Mental Health Workers & Others We're are in the midst of producing a free guide to dealing with debt and mental health. The problem is vast, a disproportionate number of those with mental health problems are in debt. A disproportionate number of this in debt crisis have mental health problems. The guide is to be written to…
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Thursday 27/11/08 Wht 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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Daily Chat Thursday 27th Nov
Hi everyone, I've been up since 5 and I've finally uploaded a few more pictures of the poop monster :) I've been on a bit of a baby blues downer over the past couple of days, but fingers crossed I feel a little better this morning so hopefully that'll pass now. So, what are you all up to today? Pics as promised
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Childrens accounts
I am looking for a suitable bank acoount for my DS, he will be 11 next year. I am looking to put his pocket money into an account with a debit card, NO overdraft, NO standing Orders & NO Direct Debits. I want him to understand that once its gone, its gone, as he is always borrowing next weeks money off his gran - even…
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Our Page Numbers Are Coming Back!!
WOOHOOO!!!! :T the techies were playing today and accidentally removed the top page numbers. they will be returning pronto!!!! :D :D :D Naughty Techies... he he :D
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Made some small progress
well bf got paid today so have paid myself as currently unemplyed. have paid my loans, a payment to my extra od and even paid a little bit more than the minimum to my cc payment. Ive also managed to put some money aside for next years council tax, tv licence and also rounded down to the next ten quid and put the odd money…
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Have to live with folks to get debt free - anyone been there, done that?
Hi, I thought I would post to see if I am an odd one out or I don't know. I have recently moved 500 miles away from my flat. I am staying with my folks for a while until I get on my feet (got £21K of debt). Just wondering if anyone has ever had to do this to help clear their debt? I was hoping it would be a year max, but…
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Recommended amount?
Just a quick question, is there a recommended amount of money you are allowed for groceries? ie from cccs, government etc. to feed a family of 6 (2 adults 4 children).
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Absolutely desperate here
Removed......
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Trying to help a friend
Hi all Hoping someone can give some advice. I have a friend who has some old debt that's never been paid and has moved a lot of times and (at present) the debtors haven't managed to track them down due to moving a lot (not to say they won't eventually) They would like to take some steps to face up to the debt, which is a…
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Doodlehumlucysmum's SOA (its now joint with my partner yay)
Hello After 6 years with my partner we are now doing a joint budget please feel free to pass comments (after previous jkind advice debt at lowest rate we can get but tescos 0% runs out soon so will be changing) we've been to the bank and set up savings accounts (2 of them are 8% which i thought was good enough)and…
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Need help urgently??
Hey guys, I really need your help with this one. I have been stupid and haven’t paid bills on time and about an hour ago it all came to ahead when my mother received a phone call from a debt collectors. There is more bad news, about three weeks ago I lost my office job and have no income presently. I have had lots of…
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Need help??
Hi guys, I really need your help.......about three weeks ago I lost my job, I have been applying for loads of stuff but at the moment in london it isnt good. Around an hour ago my mother recieved a call from the debt collection company roxburgh......and thats not all, below I have listed all the payments that need to be…
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Surely it can't be that difficult?
I've been lurking around on these boards for a while and I'm always amazed at how many of you are wittling away at masses of debt and how successful you seem to be at it! I'll probably be £700-800 overdrawn at the end of the month and have another £600-700ish on my credit card. The thing is, I have savings that could clear…
