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Can'r cope anymore :(
I know this is not strictly DFW related but this is my home so here goes: In the last 2 months we have had numerous problems with our rented house including: washing machine leaking which went through to downstairs due to being incorrectly installed - installers failing to admit liability. Floor damaged by washing machine…
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Thank You All!!!
I have received such strength from you all. I just wanted to say thank you to you all. We have stupidly run up c/c debts and overdraft and need to really pull it all back thought I was going to go out of my mind with worry. We are freelance so no work at the moment and money is tight but should just do it. I have read so…
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Which debts to pay off first
I've just had a read through 'should I pay off my student loan' and 'should I pay off my mortgage' and just want to know if what I have planned sounds ok. I have the following debts 2yrs 0% finance (£125 pm last payment December) Credit Card - £2.2k (0% ending on the 30th November) Mortgage - £87k (5yr fixed at 5.29% from…
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Is there???
is there a template letter anywhere that you can send to your creditor asking for details of your remaining balance on a debt?
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hello!! have just declared myself bankrupt wish i had seen this site three weeks ago!
hey there, can anyone help me clear up a few niggling questions? both myself and hubby have been to court and declared bankrupt on the 11 of nov. the process wasnt too traumatic. situation as it stands is that we have three kids, one with a serious disablilty, debts beween us of 35k+ and my husband has just lost his job.…
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Help,Full and Final
Hi Guy's. Have negotiated a F and F with Blair Oliver Scott wrote in the standard template letter you know " I offer £X in full and final settlement of my account if agreeable please offer assurance that you nor 3rd party will pursue you mark my credit file as settled etc etc etc" Anyway no response after 10 Days so i call…
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prosperity meditation
Hope this helps........... Meditation for Prosperity Make yourself comfortable Take 3 big deep breaths & sigh heavily In your minds eye you see a meadow, covered in soft, green grass. Dotted through the soft, lush, green grass are flowers of all colours. See your self walking through the meadow. Feel your feet embraced in…
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It's me again need advice. help!!!!!!!!!
hi all, it's me again. I posted on here a couple of weeks ago regarding son's old gym membership. Basically he belonged to a gym for about a year or so and then they closed down. he was told he could join another gym but the other gym wasn't suitable for his needs so didn't bother. In the meantime we heard nothing. Until a…
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Red Or Lovell Colections
Right I had a letter for a mobile phone bill which I do not owe anything I have payg phone. I sent cca with postal order they now tell me that the contract is not covered by this cca and their client doesn't have to prove it So please where do I stand
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Electoral roll and credit?
I am not on the electoral roll, should i go on this to increase my chances of getting credit in the future ?? will it help?
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HELP, I need a response to DWP Debt Management - they are ignoring/threatening us
Hi All, I wonder if I can pick some brains. My husband is being chased for a debt that is 20 years old. They say it was for a crisis loan but he is adamant that he never had a crisis loan. So, after letter one I wrote and said 'please provide details'. In the meantime we got 2 'do not ignore' letters threateneing court…
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DMP creditors not contacting me
I have just started a DMP and first payment was made 1st Nov. Since we have been on plan we had few calls from 1 creditor for week or so now nothing and we have had 2 accept the DMP. We have 13 creditors altogether. We get the usual statements, letters confirming default but thats it. we've not had anything mentioning DMP…
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cheap food shopping/groceries
do people find supermarkets cheaper or places like aldi lidl etc or actual veg and butcher etc how do you feed 3 people on budget any ideas or help would be great thanks xxx:hello:
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I had to share this!
My partner just sent me this link of a man trying to settle an outstanding bill. It made me smile so I thought I'd share :D http://news.ninemsn.com.au/article.aspx?id=665847
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Xmas Present Help
Hello! I have nearly got all my presents except my Uncle who i'm really stuck on I have a £10 budget - any idea's? my nans bought smellies for everyone so i need to steer clear of that, he doesn't have any hobbies except motorbikes and from what i see everything to do with that costs the earth... any suggestions?
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my SOA is it worth doing DMP IVA or BR??? please help
i am in the middle of talking with payplan and have a phone interview with them on saturday dont know what method will help us my self and DH both full time we do O/T and i get commission but none of it is guarenteed and like everyone DH company cut back completely so no O/T this is why we are getting into trouble been…
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I Can't Cope
Hello there I thought i would write you a quick message this morning to see how you are and to say that i am currently new to this message board. I thought i would come on here and ask for some advice because i am really struggling to cope with my debts etc. At the moment i am using my overdraft in both of my bank accounts…
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Experian Help
I was wondering whether anyone could help me shed some light on Experian credit reports… I have recently joined creditexpert.co.uk to get a handle on my debts as I have stupidly ignored them for the last few years. First question is about what appears on the file. I have added every address in my adult life yet about 3 of…
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Newbie here, Advise needed on debts/pensions.
Morning all, I just wanted to say thanks to everyone :T I have reguarly visited this site when I need guidance on financial matters and there always seems to be someone with the same problem and someone who has tried to help then already. I have searched this question but cant seem to find it being asked elsewhere but…
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Bonjour! This is Shrimply saying "Hello"... this won't become a diary... honest!
Hi there folks! I’ve been skulking round for a week or two now (with the occasional little post here and there) and I thought it only right that I properly introduce myself. …but before I start I have a couple of apologies to make: 1) I’m sorry to the Spelling Police out there… I realise I misspelt my screen name. It…
