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how the hell am I spending £200 a month on groceries
When there is just me???? I keep telling myself to bring the spending down but I'm not managing it. I am my own worst enemy. What do you spend per month on groceries per person in your household? Groceries include cleaning products, grooming products, medicines etc. Twirly x
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Advice required on reducing debt
Deleted on advice
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Debt Free in 18 months!
Hi guys, I've been a lurker here for sometime, and all your stories have made me decide I really have to do something about my debts! I've put a basic SOA below, it's kinda different to most though! I still live at home with my parents, but own a quarter of the house. The only household bills bills I pay are mortgage,…
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Have you moved back in with your parents to save cash? Make £200 from your story
A writer from News of the World Fabulous magazine has been in touch, looking for people to interview. She's offering to pay £200 to people who take part. She asked us to post the following: I am looking to speak to three women aged 30+ women who have moved home to their parents’ house to escape the credit crunch. So had…
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How the hell do I get experian to update my file????
Right I am mad Mad MAD!!!!! I am trying desperately to pay stuff off and we have paid off £12k of debt since last June which I am soooo proud of We moved house in March last year and informed the council etc. Most of our credit cards are 18% and I am trying to get a 0% deal to BT but keep getting declined, I got a paper…
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Help with loan from GE capital
Could anyone offer any advice? I took out a loan with GE Capital just under 18 months ago and have (just) about managed to make the £205 each month - just once it was late. I received my annual statement from them the other day and because of e high interest rate, I still owe over £12,000 when I borrowed £13,000 in the…
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I am very in debt and very confused, all help welcome
Hi, last night I realized that I can no longer carry on with my head in the sand. So I have taken it out and now don't know where to start! I owe £11,000 on Credit cards have a personal loan of £7,000 I earn £18,000 and can barely scrape the interest of the top of my Credit cards. My Mum did exactly the same a couple of…
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Finally the penny has dropped
My wife and I are £75000 in debt, excluding my mortgage and it is only since my employer decided to freeze pay rises and cut salaries for this year that I faced up to our debt situation. Over the last 10 years we have misused credit cards, taken out consolidation loans and remortgaged to sort things out but have made the…
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DCA help - what next? UPDATE
Hi Am looking for some more advice..... a while ago I posted about a very old debt of mine, that i have been paying. See HERE I sent orginal CCA request on 22/01, was signed for on 23/01. Recieved nothing, so sent a followup on 11/02 was signed for on 12/02. Followup stated account was now in dispute and I wouldn't be…
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Trying to obtain a loan to pay of credit cards
Hi Guys, First post on here so go easy!! Okay my story, whilst at university I obtained 6 credit cards All of which were placed on a payment plan, with guidance from my university, this was in 2005. Two of these cards are set as default. Also I have a satisfied CCJ which will be removed from my credit files December 2009.…
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full and final settlement offer - Connaght
hi Could you please give me some advise? i wrote full and final settlement offers to all my creditors offering about 50% of debt to be paid within 7 days as I got a bit of money (not a lot). i offered connaught collections for my citibank loan £1500 of a £2900 balance. The origianal loan was for £4000 and about a years…
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Capital One & Self Dmp
What are capital one like at accepting self DMP ? are they an understanding creditor ?
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Please help !! Debt query
Ok i applied to a couple of companys for a loan and because i had a CCJ (which has now left) i didnt get a loan! Then last night i get a call from DFH (Debt Free Help) asking if they can help me, they arent a loan company but call my creditors up and freeze any interest payments etc, i pay DFH a reduced outgoing amount!…
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Got a loan & only managing to pay the interest so ot will never leave me!
Hiya, I went into my bank (Lloyds) looking for £1000. I walked away with £4000 somehow. I was seriously missold the loan and they even took the payment protection off when I consolodated it so when I lost my job they claimed I still had to pay it. I managed through complaining ALOT to get those charges waived. Since taking…
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Wednesday 18/2/09 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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Any help welcome, so dont know what to do
My husbands scooter that he goes to work on is knackered. It was bought new just over a year ago, for £800, it was a 50cc V-clic. Wish we had never bothered. But he needs it to get to work. Otherwise am taking him to work. While its a system that works, he missing out on 11-15 hours of overtime because of it. Money we need…
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~*~Wed Feb18th-DAILY CHAT-ALL WELCOME~*~
Moooooorning one and all, Do not ask why I am at stupid o'clock in the AM as I am not even sure myself...couldn't sleep! :eek: What's everyone up to today? I am working (quel surpris) and then home to iron and do my Daily Shred. Whoop! DH is playing badminton tonight :rolleyes:. I had a phone call last night from our good…
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bailiffs and coucil tax help please
i woke up on saturday to find a hand delivered letter from a bailif concerning my council tax. originally including the court costs i owe£473.80. included with this letter was a notice of distress(not signed) detailing my car registretion number and a bailif charge of £187.50 making atotal of £661.30. i have worked out…
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I seriously need some help
Right i have lost my job etc long story I have enough to cover the bills this month etc loans etc But i wont have enough for end of march etc if there a way to write to the creditors etc or something cause i work in the oil industry and even there struggling with the way the world is going. I seriously dont want to start…
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SOA help!
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1000 Benefits................................ 458 Other income............................ 0 Total monthly income.................... 1458 Monthly Expense Details Mortgage................................ 585…
