-
new job/investment idea- eco gym (PAYG) / pub / laundry
this should cover all the bases.. get laundry done while getting fit at a gym with NO ripoff contracts- pay as you go, or reasonable weekly/monthly sub- only renew if you want to.. people on treadmills etc create power for washing machines & dryers.. lazy gets can sit in the bar, while clothes get washed (some home brew…
-
viewing savings as a debt
Anyone who has come out of debt and proceeded to save money, viewing their savings total as somewhat a "debt to themselves"? this is what im doing and it works (barely been in debt tho except student OD which i came out of within like 3 months - think i just been lucky lookin at some of my mates from uni!) any thoughts?
-
Int erest Only on mortgage
:confused: Hi there, I am just curious to your feed back, i was maybe thinking about doing an interest on pur mortgage just for a short time in order to pay of our credit card debts which we currently owe 14000 between me and my partner, i have heard good reactions about doing this but also bed points about doing this,…
-
Debt Free Wannabe - Any ideas?
I am 24 years old and currently have 3 loans, 2 credit cards, 2 overdrafts which is £22K in unsecured debt. I live with my parents, have a good job but finding it hard to pay off more than the minimum each month. I started in debt when my family got into financial trouble and without them finding out, borrowed to help and…
-
Reclaiming PPI & Bank Charges - Channel Islands
Hello, Just wondering if any of you wonderful people are in the Channel Islands or know anyone in the Channel Islands that have successfully reclaimed unfair bank charges and or missold PPI? I know that if I were in the UK I certainly would have a case for both, but I'm really not sure about over here (Guernsey), and CAB…
-
Experian Credit Check Trick
I signed up or the Experian one month paid trial thinking that will be fine. I only wanted to check once. Must have been some small print about, "you have to cancel your trial or you go onto a monthly subscription" as they have just billed me again. Has this happened to anyone else?
-
Debt Help & Information
A list of places to go for debt help or information. If you know of more please let me know by replying and I'll add them to this list. National Money Saving Expert - Debt Help Plan Consumer Credit Counselling Service National Debtline Citizens Advice Bureaux - Debt Info DirectGov - Managing Debt Regional Birmingham…
-
Barclays overdraft termination
Hi I was wondering if someone could give me a bit of advice. I have debts which although a struggle I have been able to keep making payments to, mostly thanks to a gift of 12k from my parents which wiped out half of them. I pay my minimum payment on one remaning credit card and have two personal loans. When I was a student…
-
DFH financial solutions
Hi all very new to this website, but what i've read so far - very helpful. Anyway my problem is credit card debt of £6200 and an overdraft with Abbey National of £1000. I rang DFH Financial Solutions and they have agreed to sort this out with the credit card companies at a cost of £200 per month. I've had the paperwork…
-
Small Business Debt
Hi Hopefully this is the right place for this post. My husband and I ran a small business which has now ceased trading due to the company making a loss. We put in a fair bit of our own personal money but the company still owes just under £25,000, made up of an £18,000 loan and £7,000 overdraft. We also have a large amount…
-
Offering a F&F to Barclaycard if no CCA exists
Hi! I wonder if anyone can help. I recently had great success with JD Williams when negotiating a very low F&F because of no CCA, and so have now turned my attention to other creditors who do not have a valid CCA. I requested the CCA from Barclaycard a few months ago but have continued paying £60 a month on approx £4000…
-
Can you reccomend a book to study?
I am in need of a few books, about the law where debt is concerned.. And mortgages (when your out of work) etc.. Any reccomendations please? Thankyou
-
BBC - The Money Trap - How the banks lure you into debt
Panorama program on youtube about how UK banks lure people into debt. Part 1 Part 2 Part 3 Part 4 Part 5 What you think about the views in this program?
-
Am I being thick?
Hi there, I wonder if anyone can answer a question for me. My husband sent off for a copy of his credit card agreement because we wanted to double check if we could claim they had missold him PPI. He took the credit card card out years ago.He tried initally with the letter on this site and as we were asking for a free copy…
-
Living on benifits trying to pay loans
We aer struggleing at the moment to pay all our loans and C/C from our benifits i am disabled due to an accident at work and my wife is my carer, if we stop paying the bills what will happen when a dept recovery firm take over will they take things out of our house(owned) of will they go for cold hard cash we have a short…
-
Avoiding Debt Collectors
I'm looking for tips on avoiding debt collectors. I've done some research already as you can see below. If you have any idea's please let me know and I'll add them below.* Put the numbers of people you know in your phone then only answer if you know who is calling. * Turn off your voice mail. * If you move, don't forward…
-
Allow repossession to happen or try and sell?
Hi, Hoping that there are a few of you on here who can advise me...... well here goes... Have a 28 day suspended order on our house. Currently having to pay £1100 per month. Mortgage £114K Have a secured loan on the house for £20K @ £309 per month Total income £2,700 per month. Struggling month after month to pay all bills…
-
Never ending spiral of debt
I am at my wits end yet again. I was on top of all my debt issues which spiralled out of control many years ago after a nasty relationship breakdown, paying extortionate rent for houses and living off credit cards. I had a good job had worked out a payment plan for all my debts and some are down to just a few hundred…
-
Crisp £ note lightbulb moment!
Hello everyone newbie here wanting to start tackling their debts! Having read the boards for a couple of days I decided to get started so here is my pitiful SOA :o : MY SOA February 2009: Number of adults in household........... 2 Number of children in household......... 0 Number of pets in household - 2 dogs & a tank of…
-
Littlewoods Mail Order - CCA and what to do next?
Hi I have an outstanding balance with Littlewoods (formerly Janet Frazer) catalogue of £375. This could be paid off in 3 months, if I had the money (which I don't) but reading other posts about CCA requests has sparked my interest. I first took out Janet Frazer catalogue in about 1992 and have been with them, now part of…
