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Any comments or ideas would be great
Hi everyone I have been lurking for a very long time now and have been dealing with our debts in a strict fashion since December 2008 (before that I paid what I needed to and that was it) and have already managed to pay off quite a chunk with the help and advice already mentioned on this site to others. However, I feel…
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Problems with Lowell, help please.
Hi all, Just a quick one for you. I was being harassed in November 2007 by Lowell. I sent the stature barred letter by recorded post. I have heard nothing from them for 18 months and then today I receive a so called "statement" which is overdue for payment. This refers to the same debt as the one they were harassing me for…
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Just a silly question . .
Hi, this is just a silly question,I hope nobody minds, I just feel silly ringing up National Debtline just for odd things. As mentioned on another thread, I'm at the stage with my c/card debts where I can't meet the minimum payments and have had kind and excellent advice from National Debtline, and I'm in the process of…
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right. i am going to fix this.
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.................... 0 Monthly Income Details Monthly income after tax................ 1200 Partners monthly income after tax....... 700…
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E.on Final Demand
Hi, I did consider posting this on the Utilities bit of the forum, but think its more appropriate here. I have just received a letter threatening court action and debt collection agencies blah blah from Eon Electric. The demand is for £115. They also said I hadn't replied to previous letters ... which of course we haven't…
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*** 11/12 July Wonderful Weekend Chat***
Where are the peeps? Can't believe its after 10.30 and no chit chat? Maz - you're a star. The baggies turned up. Thanks for the wee surprise - naughty but nice;) Are you moving today? What is everyone else up to? Hope the last day is a stormer Bookie and that's why you're mnot posting;)
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Faltered a bit but im back now
Hi guys, I started my DFW thing in april and was doing fab, over £500 in ebay sales etc and was eating away at the debt thing. Then I got a bit lazy...good thing is havent increased my debt since then, and have a bit of news......my partner has moved in, and we are now on track to do some serious chipping into this thing.…
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response from studio regarding cca ?
hi all.. i have received a letter from studio regarding my cca request.. it states.. It is clear the debt exists but , of course ,we are also aware that the courts would not , at present ,be able to grant an enforcement order should a default summons be issued by us for none payment. I With out making regular payments we…
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Saturday 11th Sunday 12th July What small things have you done this weekend?
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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mega problems and now scared
Hi This is difficult. I am 30 k in debt, married 3 little uns and now struggling paying off one card against another and going nowhere. I have been stupid but would really appreciate some advise. Who would be the best lender to consolidate or who are actually helpful not crooked?
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pls help Uk debt in Canada - CCA and harassment issues
I am looking to send a CCA to a DCA in the UK. We currently live in Canada and the Uk DCA has employed the help of a Canadian DCA who are being a nightmare - threatening phonecalls, phonecalls to my husbands employer etc.( its hubbys debt not mine) Today I requested a copy of the CCA and the man got VERY nasty and rude and…
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Desperation
Hello I am wondering if this has already been addressed, but is there anyone anyway campaigning for changes to the financial system so that you can't have your life destroyed if your ex partner just decides to disappear and stop paying loans etc. If there is no such campaign anyone know why not? And last question anyone…
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Screw up
Okay ... having a bad day. Or something. July isn't a good month for me ... it has the 'anniversary' of something bad. Every year I say to myself that I won't let it get to me and every year I realise I'm kidding myself. I'm really tightly wound. My other half walked into the kitchen the other day and I jumped, quite…
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Mbna
Having received my SOA, MBNA have said I am a severe hardship case. But they keep encouraging me to pay approx double what I have told them I can afford, they keep saying it will mean they will keep the debt rather than selling it on to a DCA. But what difference would it make if they do sell it on? Is it worth me selling…
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Bannatynes cancellation policy
Hi All, My missus has a membership with Bannatynes health club and has done for two years plus,shes just phoned to cancel and they insist that she gives three months notice,is this legally enforcable? I would of thought in the first year some sort of cancellation policy would apply,but after two years surley you should be…
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Filing out income/expenture form questions???
Hi guys im currently fillling out a income/expenditure form for a solicitor that is holding 2 of my debts, we are on benefits as hubbie was made redundant so still waiting for income to be finalised. but my questions are these what amount do i put for our food costs for the month obviously we try to spend as least as we…
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Do I let her have the IPOD Touch prize?
Hello Just won an IPOD Touch on hols. DD1 (11) filled in two competion forms for me as 1)I had left my glasses behind so couldnt see clearly enough to write and 2) you had to be 18 so she couldnt do it in her name she wanted the prize I didnt think it would come to anything. Anyways some how I won :j:eek::j Now DD1 wants…
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Hi!!
Hi guys!! I'm sort of a debt free wannabe, and sort of not!! I'm a student at uni, so I won't be debt free for many years yet! I do have outstanding debts - Not enough to be in any sort of crisis, mind. Most things are under control and I'm not looking for advice in managing my debts so I won't do an SOA or anything. What…
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Ruthbridge again!!!!!!
Hi there This is my first post here, so bear with me. have had my first 'pleasant' conversation with a lady claiming to be called susan from this company today. What a honey:rolleyes: Anyway, background. About 2 weeks ago we received a to the occupier letter. Foolishly I contacted as I had no idea they were debt…
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bank account frozen
i posted this on the banking forum and was advised to post it over here for help, so if its okay i've reposted it please help,bank frozen my account, i can't access my wages please help, i feel so desperate, basically after a rotten year where my husband left me i had no choice but to take a lower paid job were the hours…
