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Help Required
Hi I am currently trying to clear all my credit card debts within 10 months of this year. I have 3 credit cards as listed below with there amounts: Credit Card 1 - £3300.00 (0% for 13 Months) Credit Card 2 - £3800.00 (0.039% LOB) Credit Card 3 - £1580.00 (0.18% APR) Total - £ 8680.00 approx I hope to pay at least £900.00…
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Oh God No!!!!!
Sorry about this people, But I sent a cca off and the second letter and they never replied or sent the cca Today we had a part of a cca I think Just the bit with my hubbys siggy on nothing else is this right???????
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daughter needs advice on a loan
hi everyone my dauhter is 20 and we have allways warned her about debt her boyfriend finished her 2 days before christmas to cut it short she got a loan for him i know idiot but we need to help her how do they give someone a loan of 4.000 on 115 pound a week dont want to go down the bankruptcy road rang the cccs and they…
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cccs grrrrr
Next available appointment is 10th February for me! I'll have gone under by then. grrrrrrr
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Its here.... the first NSD challenge of 2009! January here we come!
Hi All, Its here, the new thread, hip hip hooray! The idea of the challenge for any newbies is you decide how many days you feel you can not spend on and with the support of many lovely MSE members we will try and help you achieve that goal! Jacks wrote a mini rule list which is very helpful so i will paste it here: The…
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Statutory Demand under the Insolvency Act
I'm looking for some help and advice please. We have been issued with 2 Statutory Demands by 1st Credit Finance. They both arrived on Christmas Eve - 1 for £1058.61 and 1 for £2711.01. Both are sent by Connaught Collections UK. We have tried to contact the office and phone number in the letters but can get no reply -…
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Its time I sorted things out but don't know where to start
I am hopelessly in debt !. As I am writing this the realisation is just horrible. I have been putting off sorting my debt problems off for so long and now I am really at the final reckoning. I really just dont know where to start to decide what coarse of action to take. I am in debt to about £100k+ unsecured. It seems that…
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I feel sick and need a kick up the @rse
Hi all I've fell down that horrible trap of getting into a bot of debt however its my hubbys debt that is scaring me more. I thought I had mine under control then things just seem to spiral, I know how to get out of this but I need the kick up the @rse and some advice. I cant cancel the sky but I have downgraded it to the…
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Comet Storecard
I foolishly had one and could not get a reply on the premium rate number to pay it off, after much searching did it via the Comet main number but it was had to find. I had not had a statement for a long time and thought I owed £400 but was very pleased to learn it was £102 so now paid off. But why GE Capital Bank are not…
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biding time with debt recovery agencies
hi wot do i do? i am trying to cancel a gym membership and i am toing and froing on the finer details of this with the gym in question, mean while a debt recovery agency is on my back for the arrears. so do i pay the arrears just to stop it getting out of hand until the matter is resolved with the gym, or do i stand my…
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Taking my head out of the sand!
Hello everyone! Please consider this my "taking my head out of the sand" moment! I've actually been thinking for a long time of getting my mess sorted out, but just this week, yesterday in fact, I made the first step. Which was to open a pile of letters I had not dared to look at for weeks. They are now spread all over the…
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Tuesday 30/12/08 What 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**30/12**Everyone Welcome! Join in
:D MoooooOOOOOOooooooorning! How's everyone this fine day? Today, I are mostly be attempting to spend my vouchers I got for Xmas (want some new jeans) and then not a lot. Right, off to make first cuppa of the day...:j
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The Crazy £100 Clothes Challenge
Hello, I have decided to challenge myself to only spend £100 maximum on clothes during 2009 :eek: & was wondering if anyone cared to join me ? My challenge is for myself only & not for DD; kids grow, constantly :rolleyes: . Underwear & footwear is not included in the £100 & nor - thanks to some rational thinking by sarahb…
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My Olympic Challenge
Some of you may remember me, judging by the number of DFW Nerds now listed many of you won't, but I'm inspired by you all to get back into my MSE ways and clear our debt once and for all! I have spent the day today updating my spreadsheets and now know exactly how in debt we are ... not a pretty picture I'm afraid but no…
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Anyone ever heard of..............
Red Castle Recovery? Just had a call from them saying they had been passed my Co-Op credit card account. They said they will be sending me an Income & Expenditure Form in the post. You guys know anything about them?
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Need Advice On Clearing Debts And Bettering History??!!?!!?
Hiya everyone, I'm new to money saving expert and just looking for some advice. I'm 22 years old but decided when I was 18 I would get a credit card and a laptop on finance. Anyway I was stupid and stopped paying the monthly instalements and have now defaulted on the payments completely. Now I'm a bit older and a lot wiser…
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Eviction notice served
Hi all, Some of you may remember the awful time the twins and I were having this time last year. Pages and pages were written by myself and numerous other MSE folk who supported me throughout the whole sorry tale. It got so much that someone even suggested it should be made into a book - well, in a strange way it has! As…
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Debt free before 30
Evening All, I've been casually racking up debt for pretty much 10 years and this month finally had the scare of running out of credit. It's time to sort this out but I need some help & guidance. I'll be 30 in Feb 2011 and don't want to be servicing debt when the clock chimes. Long and long of it is I'm 23k in debt and…
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aktiv kapital
hi i would like some advice please, ive had a letter from aktiv kapital saying they have bought the interest on a debt i owe to ceation finance. i know for sure this is a very old debt and is statue barred. i had advice from the cab when i had a letter from thames credit saying i needed to phone them as they had bought the…
