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Writing off loans taken out before 2007
Hello all, Just a quick question. I have seen lots of ads in newspapers and on the radio stating if you took a loan out before 2007 (I think) it may not be legal and could be written off. Does anyone know anything about this? Thanks, Maiseymoo:confused:
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14th & 15th March ****Weekend Chat****
What is going on here, no chat at 9am..............how very dare you !!!! Morning everyone:D My little neice is 1 today, Happy Birthday Neve:bdaycake:
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14/15/3/09 What small dfw things have you done today?? weekend thread
14/15/3/09 What small dfw things have you done today ??weekend thread :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…
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Weekly Spend Challenge W/C 15th March
This challenge used to run every week (thanks to Moozie and PAP) but I have not seen it in a while so I hope no one minds but I need this to keep me on track ... Hello everyone . Welcome to the weekly spend challenege. This challenge is open to anybody, no matter what financial place they are in. On this thread please post…
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18 year old in trouble with credit card.
Hi Last October capital one blinded me with a credit card.. thought: "FREE MONEY!!!!" £200 limit, spent it! then the bills started coming in.. at nearly 40% interest, anyway paid minimum for the first 2 months, 3rd month came, i had lost my job had no money to pay it.. Locked it in a drawer, thought oh well, it will just…
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Make money with your car!!!
Hi all, You could make up to £200 a month from your car. All you need to do is allow adverts displayed on your car! Allowing adverts on your car is a really simple way to earn money for doing very little. AdsOnCars.com have a way of putting ads on your vehicle without harming the paintwork. If you agree to be a mobile…
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feeling fed up :-(
just stumbled across this forum, im new.. hi guys. Just thought id drop a line. basically im overdrawn by £1500, and barklays are now going to start piling on the reserve fees as ive gone just over 1500 and its beginning to get me down. payday is two weeks away. from reading posts by others my problem may not be as bad as…
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Panicking about DMP
I have finally made a decision after much thought and I am going ahead with the DMP. I have done the debt remedy with CCCS and thought over my budget v carefully. I have spoken to them and they were v helpful. When I look at my budget I am really happy to have a budget that works and doesn't mean that I would be struggling…
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Freaking out!
Hello all, I've just turned 27 and feel very determined to get rid of my debt asap! It's just dawned on me that I've had credit card debt since university, and having been made redundant last August I now have £2,702.04 Credit Card debt £1,140.80 Overdraft Total: £3,842.84 I'm expecting my first pay cheque at the end of…
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Credit Rating
Hi Sorry if this is in the wrong place - please feel free to move. I had a bad credit rating due to being young and stupid and ended up going to a company to consolidate all my debt - which i paid off in a lump sum early! I've never had a CCJ although i did default a few times - i have tried applying for the Barclays…
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Help With The Collectors
Hi there, i've been looking through the post and feel its time for me to post myself. About 2 years ago i started to struggle with my credit card payments so i turned to the CAB, they prossesed a finacial statement for me and sent it off to all my creditors along with offer of payments, which were all accpted. Moving to…
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Martin on the Tele
Brand V's Budget Itv right now Anyone watching it
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Capital One
Hi all, thought you might find this slightly odd and ammusing. I have been unable to pay my capital one card for about 4 months now. I answered the phone to a Filipino lady asking to speak to me so i thought what the hell i'll speak to her. After telling her i could only afford £1pm as i had stated in my letters to capital…
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accepting help from parents and limiting their losses
hi, i have got a mortgage for about £63k and a secured loan for £73 on my property. The secured loan is through first national/GE Money and the current apr is 12.5% and the amount i owe is now much greater than i started with 4 years ago. This has led us to fall 6 months in arrears with both payments. I have finally had to…
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Comic Relief - do you give?
Just watching Comic Relief - I find it really emotional watching all of those unfortunate souls. As a DFW do you think charity should begin at home and that would be an extra tenner off your debt, or do you give to causes such as today?
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Debt Management Company Swindled Me - Need Advice Please
Hi, I've got 2 credit cards total debts of £5500, I recently had to join a debt management company to lower payments due to the loss of my job. Although I've had alot of problems with them seriously, they havent been sending off payments to my creditors and pocket £20-£30 fees for themselves. Today, I woke up to find my…
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Phone calls
Is there any letters that i can send to stop creditors from phoning. I am in a bit of a hole, no job owe a fair few quid, trying to get it sorted but cannot pay anything at the moment. I live at home with my family and the phone is constantly ringing from 9 in the morning till 8 or 9 at night. If it was my own place I…
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Debt in Maiden Name..
Hi I have recently received a 'threatening' letter from Hamptons Legal for a debt tht almost certainly past the 6 year limit. 1) The debt was in my maiden name but they are now using my married name on correspondence (I have never informed them of change of name) where do I stand as not correct debt name? 2)I had an…
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Bailiff notice
Hi I've had a bailiff notice hand delivered today about an outstanding council tax debt saying no further arrangements can be made, must be paid in 24hrs, this is for £200 (old reference number). but rossendales told me the reason I'm paying £48 a month for another more current reference number (o/s debt £700ish) is…
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2009 - The Year things will Change!
Hi, I posted on here a few years ago and shyed away as I didnt really truly, understand the severity of my situation probably as most other people have done on here. At the start of the year I was in this situation £41,500 I am now at the following Debt and determined to clear it. I earn £28500 a year minus Pension CC1 -…
