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Options?
Hello I am currently looking for work (temp or perm) but the agencies say things are really slow at the moment and nothing might turn up until after Christmas. My outgoings are £170 bills (due at the beginning of each month) including a loan of £1000 from Natwest which is half paid off. Natwest overdraft limit - (£1000) -…
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what to pay off??
I've a lovely dillemma, and theres no-one who's advice I trust more than you. I paid off my last but one credit card, and claimed back the charges with interest. On its way to me in the next couple of weeks is £2000. :j Now - by interest value, I should pay off my last card and it would be a real monkey of my back to do…
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help me please!!!
ive been looking at the site for months now and have finally sorted it out to post my situation. so far ive not missed any payments on anything all the credit cards are locked in to low interest rates but as you can see from my soa its very much what comes in goes straight back out . what i need is some advice on how to…
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redundancy and loan payment help
Hello, We have just found out my partner is being made redundant. We can scrape by with most of our debts but cant afford to pay our bank of scotland bank loan. The monthly payment is £185 which we just wont have. Everything is cut back to the bare minimum that we can get away with. Has anyone had any success in getting…
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DFW Diaries: Do you think they should have their own sub board?
I love the DFW diaries however sometimes questions get lost amongst them and sometimes the diaries get lost amongst the questions ;) With this in mind do you think it is time for the DFW diaries to have their own sub board? Just wondering what other people thought PS I forgot to include 'diaries' in the poll - it's been…
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Checking my credit history??
I have an old debt from Oct 2001 that a company called Cabot Finiancial are chasing. I have made some payments starting in Jan 2007 but have noticed after paying £500 to them my debt has increased by £600 in interest they added as I was a couple of days late getting to the post office. I have decided to look into this a…
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More cca advice
Hi, Am just about to send off my cca request letters (just waiting on payday to afford postage and postal orders lol) just wanting to check- when I request the cca am I correct in saying that the account is 'frozen' until the request is granted and I should therefore make no payments that would ordinarily be due the start…
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Wits End
Hi there. I hope I have this in the right place, sorry if not - in a bit of a panic. I used this board some years ago when in deep trouble, took advice and my lovely CAB lady sorted everything out for us we then merrily struggled each month to keep up payments to various creditors, but did. A couple of months back despite…
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in debt need help please?
Hi, I am 4k in debt with credit cards.. Was paid off a month ago and dont have any protection.. a mate advised me to speak to debt advice scotland... as i was looking to see if they would contact credit card companies and get them to stop the interest.. just so i was paying back the money i owed.. can anyone help? i dont…
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What to do!
Hi Everyone, Needing help! I have sorted all my finances cut back on everything from paying for lunch at work, to cycling to work, and bring my own lunch in. Unfortaunately I have one debt thats causing me problems. After my Mortgage, Loan, Travel and food Shopping. I have all of £30 left in my account. My parnter pays the…
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negotiating final settlements
Hi, I am meeting with my nephew and his girlfriend on wednesday as they are beginning to get themselves into trouble. I don't know the full extent of it but what I know so far is this: they owe about £600 to orange for a contract they couldn't afford to keep and this keeps increasing because they can't pay it and keep…
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Reclaiming bank charges from Loyds TSb.
Hi, I sent a letter to Lloyds Tsb last week, claiming back £320 worth of charges, and stated the Hardship waiver as in Martins template letter. This morning I have received a letter back:- "I am just writing to let you know that we have received your complaint - and to say how sorry I am to learn that you feel you have…
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Default Notices!!!!
I have been with Chiltern Debt Management for some years now when i fell into financial trouble in 2002. however i am still getting default notices on my credit file from the companies being dealt with by chiltern on my credit file!!! is it legal for them to still issue me with default notices after all these years? if…
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Help me improve my credit rating please!
I am now debt free bar my £700 overdraft. Me and my partner rent and have our first baby due in Feb - looking at saving for a mortgage but our credit rating is bad. We've never had any store credit or credit cards/loans! Never got a car on credit or anything. We have sky, mobile phone etc on contracts but thats about it.…
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Capquest hassle still!
delete delete delete delete delete delete
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Not even trying
The NEW - pay off £20,000 (ish) by Christmas 2009 thread got me thinking. Looking at my snowball I've paid £7k off this year, and I feel everything has been thrown at me in that time. The thing is I'm not even trying hard enough, my grocery budgets go out of the window in days, my meal planning sucks, and every white…
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Would I be entitled to reclaim PPI?
Hi - I've had PPI Insurance with my Barclaycard since I took out the card 8 years ago. I didn't even realise that I had this insurance until more recently.. in fact I was umemployeed for a number of months and unable to make payments about 4 years ago and wasn't even aware that it would of been an option to claim..? I…
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The fastest £60 i've ever spent on fresh air !!!
for all those that are aware of my citroen car problem. here's another story that's a bit of a warning to others. phone car insurance company an hour ago regarding changing the insurance to the 'new' car that we've kindly had given to us. so had insurance details changed, told of increase in premiums due to age of car etc…
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Help me spend my PPI refund sensibly!
Hi there, Just wanted to check advice on what do in my situation. Currently about to receive just over £7100 as a PPI refund, and unsure what to do. Here is a breakdown of what im currently paying monthly towards my debts. Car Loan - (this is where the PPI has come from) - £266 (reduced to £187 after PPI Payments removed)…
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Gym Membership Cancellation Notice
We are struggling at the moment and I want to cancel the gym to reduce outgoings. But they have a three month cancellation policy. My hubby says just cancel the d/d but I am a bit scared, what can they do if we do that?
