-
Best way to clear CC debts
I'd be grateful for some advice.:beer: £8000 in CC debts :eek: I've got about £4000 in assets, which can be sold easily. Now the options I have: 1. Sell assets reduce CC debts. 2. Balance transfer jump between cards. 3. Remortgage (1% rate on £60K outstanding), pay off all CC. I'm favouring 3. Headache with all the…
-
Templates for reduced payments
hi, just wondering if anyone could direct me to a template letter i could use so i could write to crediters to try and reduce payments to them?. many thanks lizzy
-
signing house over to wife
most of the debts are in my name could i sign the house over to the wife to protect it or just say i am leaving her and sign it over that way. regards Moneybuster
-
Loan or second mortgage?
Forgive me if this isn't the best place to post this... I'm new around these parts. I have approx £16,000 of credit card and a £4000 overdraft. Despite spending the past couple of years shiftin the debt between credit cards, it doesn't appear to be shifting. I've worked out that I'm playing around £200 a month on interest…
-
this forum is addictive isn't it
:j I've only been on here a couple of days and already it's become my most used site :rotfl: I'm loving the no spend days too - I love the challenge and the smug feeling I get when I arrive home with nothing to put into my spending diary spreadsheet :A
-
CCCS are BRILLIANT!!!!!!!!!!!
I need to shout about this - they've just made me feel so much better! I finally plucked up the courage to call them this morning as I have debts from around 3 years ago that are all with DCAs and I'm paying them each month, but things have become way too tight as we have 2 young kids and my wife can't work at the moment.…
-
Give me a kick up the bum!
Ooops Posted it twice!
-
I did it again!
So here I am again... I have been racking up debts since I was 18... and am now 26...will be hitting 27 in Novemeber and have made a commitment to get these debts paid off by the time i hit 30...this gives me 41 months. I currently owe; £19676.15 on RBS loan 1 £5349.34 on RBS loan 2 £908.37 on RBS CC £648.87 on Virgin CC I…
-
Has anybody planned to have a baby while they are in debt?
Title says it all I suppose head says 'no' but heart says 'go or it' is this totally reckless?
-
new user Help with debt issue
not sure i am posting this in the right section: Good morning all. I need some advice regarding debt. I am a debt free after settling a loan last year and also paying off an egg card. My fiance however has a ridiculious loan from welcome finance with a 60% interest rate. Could not believe this when I saw it, she had…
-
Help and advice needed urgenly
I received a letter saying i owe £7000 for a car that was reposssed 10 years ago it is the first and only letter that i have received saying that i owe the money, i was lead to believe that when the car was taken back i did not owe them anything, Have they still got the right to say that i owe this much, any help and…
-
Odd Situation - incl. first SOA
Hi, This is my first time for doing this on a public forum, usually I'd keep this very much to myself, but I could use any advice. I'm in quite a lot of debt, which paid my way through Uni and got me into a "reasonable" situation from a not too great background. However the debt is very much hanging over my head and I'm in…
-
What should be paid off first?
How do you decide which debts ought to be paid off first? Whilst I have a few cards and loans (car + bank loan), they are at present manageable although I would rather not be paying out loads month in month out. Say for example I have 3 credit cards. The first has a balance of £2850, 24.9% APR, and a minimum monthly…
-
CCA ,s taken to court ???
Hi, as you may know I have a very long thread going about CCA ,s . It has now become hard to find certain cases for reference . Could anyone who has been through the court process or had a court summons etc please relate your experience . This will be a great help for those facing this threat . Thank you .
-
warrant for possesion
i was wondering if anyone can help me I have a secured loan with citifinancial with is currently being delt with my Shoosmiths, i had a possesion order suspended in 2007 and i have been paying the full amount until march 2009 when i lost my job , i informed shoosmiths that i was out of work and that i was claiming…
-
Suing to get my money!!! YOU OWE ME!!!
Hi, I don't know If this is the right place or not, so I'll just post it here and it can be moved if need be :) Right, I need some help. Last july, my boyfriend was made redundant by the company we both worked for. I went in January. lol. One of the "directors" then started up an American version of the company. Now my…
-
*Daily Chat Thread 23rd July 2009**
Where are you all......in bed? I would make a list but I have already finished my list..... Just have to do 7 hours solid billable work today and then the ironing tonight and then bed.......:T:T:T Hoping for no rain today so I can hang my washing out (well it is already out!) What you lot up to...
-
Thurs 23rd 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…
-
Thank You!
I wanted to post to say thank you! The help, advice and support has been amazing and I have now accomplished my dream... I'm living in Australia, debt free... and starting to save!! (Saving for the first time in my life!!) :A Finally, I feel like I can look to the future! :A I am still budgeting every day, looking for…
-
thanks
It's 2.53 in the morning, and as usual sleep is hard to come by, so tonight i decided it was time to do something. I stumbled on to this site and decided to sign up, even though i really feel like kicking myself around a very large football field.:eek: I started to read and suddenly realised that i am not alone with my…
