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ignore - lol
Morning! Fell asleep at about midnight last night after my hill run yesterday - think I've found the cure for my insomnia! :D I'm working today, then off to the shops - need to get my boots reheeled (again) and I might sneak into Debenhams to 'browse' the lingerie section. ;) Have a good day everyone! Hugs to those that…
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~*~The Sun has got his hat on! Hip Hip Hooray! Chat Thread Thurs 26 March ~*~
*Bunny slips on her PMA* Right, will stop being moany cow. chest feeling much better so friends, make me run tonight (although it may be a midnight by the time DH gets home! He's off to Norwich to day to pick up a Spa and then move it up to Newcastle! eek!) Work will NOT get me down, I am not going to let them turn me into…
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Advice needed on sending letters
Hi i wondered if anyone could help with a quick question, I need to send holding letters to creditors, but my printer has run out of ink and i can't afford to buy any, is it ok to email them all, or should i hand write them. Thanks xxx
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Coming to terms that I have messed up!
Hi everyone, I am new to this forum I have just recieved my second CCJ for 9k MBNA Card. I have lived on my own for the past 8 yrs and spent most of my savings on paying my bills, I used to have a really good credit rating ,in fact I was never late with any payments! I bacame depressed in 2007 ,I think the stress and…
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surviving recession!
:T Hi all, Was so encouraged by my first post last week onDFW board and support that have been looking everyday. More I look , the more I find and feel even more encouraged! Please can I join the chats? Today I contacted CO-OP bank (my bank) and they gave me suggestions for get how I can soon get rid of my Aquacard at 39%…
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Newbie needs advice. Maybe re DMP?
Hi everyone. I am a newbie but I need to sort my stuff out. I've been looking at CCCS and the DMP may be my only option. What is the reality though? Can it be done without partners knowing? Will it affect us if we remortgage in a few months? Thanks in advance.
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EGG: is this a default
I received this from Egg today. Despite the fact they have headed the letter "Default Notice" I don't believe it is. The letter is below: What do you think? I have sent a CCA request and the 12+2 date has not expired. I have also send a formal letter of compliant and gave them five days to repond or I will contact the…
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iiiiiiiiiiiiiiiiiiiiiinteresting... Egg loan - egg can't find it...
Now this has me giggling... I have an Egg loan which I have a DD going out for and I manage online - never missed a payment - EVER... Applied for an Egg card a little while back (got rejected, but that's neither here nor there) and in order to apply they had to temporarily "hide" my details or something so I could apply…
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Second time of posting
Hi All, I posted this on 16th March. Can any one offer any practical advice after READING it, please? Sorry to sound like I'm throwing a strop, but I thought that posting on here would help. I've still not heard back from Allied International yet, but REALLY NEED TO KNOW what to do for the best, and what to expect, and…
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MBNA.account in dispute but still sold to DCA, WHAT NEXT?
Sent mbna cca requests approx 5 weeks ago on 2 credit card accounts with MBNA ,enclosed £1 for each and sent recorded delivery, sent the 12 days dispute letters also recorded , not heard a dickie bird, no acknowledgement ..nothing!until today and I have now had a letter from LINK FINANCIAL saying they now own the debt.…
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Being harressed by hsbc bank
Im in debt with hsbc bank with an afterdraft and loan, I went to my local CAB last week and they managed to do me a budget plan and worked out how much I can pay hsbc back amongest my other debts, which worked out to a token payment of £1 a month for each creditors. I have sent the letters to my creditors today so just…
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Demands for money I don't owe?
Sorry, I have now found Fermi's letter template thread.
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Help with spread sheets please
Hi. I am finally trying to sort out bills and arrears etc and think it will be helpful to put it on an excel spreadsheet... Here lies the problem. I am trying to show a) what the bill is for b) outstanding balance c)the payments I make so that as I go along putting the amounts I've paid the balance will automatically…
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help needed, wasnt sure where to post.
Hi everyone, first post and i appologise if its in the wrong place but i could not work out exactly where to post this. Important things i need to tell you, I have a claim in with Halifax for bankcharges that totals just over £5000 as of January 1st 2009 my employer cut all overtime in an effort to avoid reduncies, this…
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Incorrect Default
I dont know if this is the right place to ask this but I have a problem with my credit file. Just under 2 years ago, i settled all my debts even ones which had defaulted so i could get a mortgage. I had a credit card with capital 1 which was on a payment plan of £15.00 and still to date i have NEVER missed a payment.…
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Advice urgently needed
Hi I am hoping somebody can show me a light at the end of the tunnel. I am in debt and struggling to make ends meet. I know I have to take control and am quite prepared to do that however I have attempted to contact my local CAB and can't even get a response. I have contacted cccs and a debt company but they tell me I…
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Mortgage Or Visa
can anyone advise me i owe 5k on a visa i have gone in an arrangment to pay the visa, at an affordable amount so interest is not added, but does not look good on my credit ratng and i want to move house in a couple of years yet i make overpayments on my mortgage, am i best making the overpayments on my visa and pay it off…
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Out of control 08 parking fines
Hi...(hope this is the right forum) today i recieved 8 recovery orders for unpaid penalty charges incurred during 6 months of stupidity last year. Im not a habitual parking fine collector and all the tickets were, im sure justified. I want to face up to these and get them paid but my work as a carpenter is becoming thin on…
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DFW Dating
Hi guys.....just wanted some ideas really! I've been in a relationship for just over 2 months. Although I am on top of my debts, ie making payments, all my monthly income is accounted for so I have nothing to spare for socialising. My OH understands that money is tight for me, so I was looking for some ideas for free/ very…
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Question about private rented property
I have a quick question for anyone that has any information on this. I am renting out a room in a flat at the moment and I was wondering if my landlord will get in trouble due to myself having debt problems. I am not wanting him kicking me out of the flat because of it. Just really worried that he could do this. Or is it…
