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Debt-free wannabe

Archives for July 2009

Default - Who to write to?
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100 Day Challenge Take 4
This is the new thread for the next 100 day challenge which starts tomorrow. All you have to do is pledge to give up something for the next 100 days and keep reporting back here for moral support. Everyone is welcome:D Good luck and welcome aboard. 100 days from now is 8 November. List of Challengers 1. magni- no beauty…
Partial Settlements - affect credit file?
First off, Hi to everyone. I have long been a reader of this great forum but have only just signed up to post. My wife and I have been working our nuts off for the last 3 years to clear our debts and have made progress but they are so significant there are potentially many years ahead. All are managed through the CCCS…
Help!
Hi all I am pretty despairing at the moment. I am a compulsive spender - I have battled all my life with this (among other things). I find myself very fearful around money and looking at my bank account - it takes a big effort for me to do it - I get very stressed and feel panicky about it. Bills and statements pretty much…
soa
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 102.24 Partners monthly income after tax....... 403.73…
Debt management
Has anyone got any info on a company called "Freshstart". My son has been sending them money by standing order but they are not paying his debtors. Are they a bogus company? He has now cancelled his standing order. How does he get his money back?
Newbie, need to tackle credit cards
Hi All Need to sort my finance's out and lots of you on here seem to know your stuff, my debts is as follows £1200 Overdraft £4192 Lloyds TSB Platinum credit card £5942 BT MBNA credit card My Statement of affairs is as follows Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after…
where do i stand?
A debt with o2 was £239 back in 05 when it defaulted. still on my credit report. no one has ever chased me for this, nothing from o2 ever, not even a reminder, nothing from any debt agencies. now theres a balance of £403 showing on my report......where do i stand with this? i dont want to pay the £403 coz no1 has chased…
Thanks for the help
I first posted a couple of weeks ago after finally deciding to tackle our debt problem. Well since then we have really changed the way we think about and spend our money. I have just had the renewal notice for our buildings and contents insurance. We were paying £66 pounds per month and they wanted to put it up to £71,…
Just been looking at my credit report - help please
as above, just seen an old o2 debt from november 2003 which defaulted. last year i tried calling o2 to pay and they said they didnt have record of it and to contact a debt agency, i did this but they didnt have it either so no one wanted the money.....well its still on my credit report. It says the default balance is £239…
time to bite the bullet
been lurking a while, cant find any old codgers like me with debt free wannabe needs, so I'll go it alone. Since enforced retirement due to OH serious illhealth/disability (myotonic dystrophy) and my own health issues our income has plummeted, and our need for equipment, alterations, and things to enable me to continue to…
Nationwide complaints address
Does anyone know the address that letters of complaint can be sent to for Nationwide? It's regarding a Credit Card. Thanks
I wish i could
We had offers for F&F from four of our creditors (LTSB) ,i only wish we could pay them the F&F figures they want . CQ
Debts and Going to University
Right so heres ther drill: I am 20 and Starting uni in october. I have debts on credit cards/overdrafts but i need to clear some for uni, and not sure where to start. I will be getting a student loan but that will all go on my accomodation and don't really want any money earned which will be needed for food etc for my…
CAB Backs limitation act change to 3 years
http://www.credittoday.co.uk/news/news-item.cfm?news=1259
yet another SOA from me...please help me
Hi all once again im here. and im getting desparet again... i really need your help...im freaking out. again i need someone to help me sort out how much i have free each month to focus on my debt and also to have a decent life and work towards dealing with the debt. thanks Household Information[/b] Number of adults in…
Please help! - Advantis Credit keep asking me for a debt that's not mine!!
I'd really appreciate any advice that can help me resolve this ongoing pain. In 1999 I lived in a property for 6 months which I rented privately. In 2006 I received a letter from Westcot credit agency to my then address stating that I owed 2 years worth of water bills to Severn Trent, a supplier used at the 1999 property.…
6 year debt an impossibility? Please explain...
I have spent two hours researching this 6 year debt legality. I have just phoned a help-line for advice and received some conflicting information: "if the company in question has tried to contact you within the six years then they are entitled to keep requesting payment" but on most sites it states if you have not admitted…
Please advise: Should I take BT from hsbc?? and snowball??
Hi People! please advise..... I have credit card bills of: Virgin 7000 (limit full) Hsbc 5500 (limit of 10,000) Halifax 4000 (limit full) I want to start snowballing Hsbc and have just been offered by them a BT of 4000 (up to my limit) from another card (virgin or halifax) on a 6month 0%... Also I have been offered 6months…
Help - National Debt Relief
Hi, I have this morning registered for a Debt Management Plan with National Debt Relief. I have just been wondering if anyone else has used/head of these and if they are ok to use? I have't commited anything yet so if not I could use another. If they are fine I will stay with them. Any info would be greatly appreciated.…

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MSE News

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Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
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Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Debt-free wannabe

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