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Help Please! Deep in debt!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1400 Partners monthly income after tax....... 0…
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OMG.. just got paid £3k unexpected bonus !!!! whoo whoo
OMG OMG OMG OMG OMG... cant believe I've just been paid a £3k bonus... I cant think straight, shame its mostly gonna go on debt!!!
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Default Charges
Hi, this is my first post, but have been reading through the forums for a few weeks now and what great help all the information is. Im not too sure if this is the right place to ask this question. I was wondering if there was a limit set to how much store cards and credit cards are allowed to charge for default charges. I…
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New job = expensive nights out – help!
I’ve just started a new job, and my new colleagues have asked me on a night out – a meal and then onto some bars for drinks. Apparently they do this quite regularly – at least once or twice a month – and pretty much everyone in the department goes. I don’t want to go on these nights out for several reasons, the main one…
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Serious Data Protection Breach
If anybody has accounts with the following Shop Direct Group and their account numbers end with the numbers indicated please email me privately. I have received a bundle today containing 6 account details from Bryan Carter which he should not have sent to me. I have posted on CAG and ICO have been informed Littlewoods…
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response form studio
i requested a copy of a signed credit agreement from studio.. they sent me their credit agreement with no signature.. i replied they were then in default.. i have now received a letter stating : we have never stated we cannot produce a copy of the signed credit agreement ..what has been said is that , with requests for a…
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My Debt Free Wannabe / Ostrich Cycle
One week I will be completely 100% focused on clearing my debts. Ebay like mad, do surveys anything possible to get my debts reduced. I'll drive my OH crazy about my debt busting ideas and my good intentions. Then the week after I'll be so laid back about it all and go and spend as much money on a coffee as I made from…
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Natwest Bank 'Collections' harassing me
Hi all, I am a 21-year old, who has just taken a break from studies due to ill health and on Dr's advice. I am about to return to uni in September. In the past fortnight I have been receiving, on average, 8 automated messages from Natwest collections number 0845-331-3159. At first I was terrified, as when I called them…
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Feeling a whole lot more happier about myself today
Yes yesterday was sucky with HBOS stopping my overdraft But hey next week I'm going to be sorting out a new account with Barcalys a basic account to start off with and then after a year they will add small managable overdraft I'm paying my debts in good time I'm below £15,000 now and I'm feeling great I've also invested in…
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Buying a Car....
If this is in the wrong place, please point me in the right direction. There is a car dealer near us and I've been looking into changing my car as my current one is too low and I've just had back surgery. I looked on their website and they dont mention anything about trading /government scrappage scheme on your old car on…
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electricity prepayment and debt
hi everyone. I was wondering if you could give me some advice. I have managed to get myself into quite a bit of debt with Scottish Power.When, on the many times I have rung them up to sort this out, they have insisted I pay them back through an electricity meter, even though I said I would have preferred to pay back…
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Next
My OH tried to balance transfer my Next balance to his 0% Halifax card last week. Halifax told him that Next won't accept payment by balance transfer. Is this right? Decided to try and pay it off this month now so not too bothered as it's given me a kick up the rear but it just seems a bit cheeky that Next won't allow you…
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help re default and paying it
My Brother has a cc that he defaulted on. He defaulted on the account - according to his credit report on 27th October 2003, as i understand it he will of not paid for at least 3 months for the account to go to default so in effect his last payment was July 2003. He has got a letter about it today, and has asked my advice.…
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Can My Credit Rating Suffer if I reduce my overdraft?
as above :) thanks! i want to reduce it from its current £300 state, to just a measley £50 but i obviously dont want to do this if my credit rating will suffer as a result?
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SOA - do your best!
hey - ok my OH has debts totalling £10k (it was 30k but we've managed to drop them all down to 10k) We set up a payment plan with the debt company's ourselves and below is what we are currently paying. I know it says were in negative figures - ive put OH's wages as basic but he pushes for over time so we are just about…
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SOA link??
Guys i REALLY need your help - OH gone to work upset and ive had a good old cry here - Ill explain later but pls can someone give me a link to the SOA so u can all see whats going in and out before i beg for help? (I know its on here somewhere but i cant find it) thanks a million me x
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Friday 24th July - What small DFW things have you done today?!
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, when…
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****Daily Chat Fri July 24th-Come in for a natter!****
Good morning, Woke up at half 5 this morning-still not sure WHY!!!! Work for me today then home to pack for our first trial of the trailer tent-off to Evesham tomorrow overnight... Still thinking of zooming down the motorway in my little car with the kids next weekend-any suggestions of cheap family accommodations? Hope…
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Signing over personal property
Hi, Not sure if this is the right place for this question and I apologise in advance if it's not. Anyway, is there a simple and legally recognised way to "sign over" all my personal property of any value to someone else so that any bailiffs looking for stuff to flog to reclaim a debt won't have any claim over it? Would a…
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Debt passed to Westcot, now what?
Barclays have passed a business debt to Westcot because we didnt get our personal financial detials in to them in time. The business went into liquidation last October and this is a personal guarantee we signed for the overdraft. We owe £10k on this. What happens next? I am quite worried about this. We do not have this…
