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Morning all,another LBM
Morning all, well I woke up this morning with money on my mind again lol,nothing new there. I was thinking that my three personal loans are all going to be paid by dec 2011,so that's not too bad,which is a couple of month before I turn 24. So the question was how can I pay off 2400 on my cc. Well I have lots of old junk I…
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Credit File info
Hi there just a quick question, my friend has changed his name by deed poll and has just registered on the electrol roll but what i want to know is he has not told them he now has a different name so how does it affect a credit file would a new file be created on that basis?
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Addicted to sums, totals & spreadsheets....Am I the only one?
Right, I have to admit it - being on here and debt busting for nearly the last two years has turned me into a total maths geek! :D Give me a scrap of paper and a writing implement and i've covered it in numbers, worked out a formula for something and come up with an answer to a rediculous question that I've set myself in…
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How can i negotiate paying off my debts with my redundancy payment?
Hi there This is my first post so here goes. ive recently been made redundant and am due to get my cheque from my ex employer soon. Ive worked out whats owed out to clear everything off that i owe (loan x2, credit card, and a few months of a car payment left), what im basically looking to do is clear everything off as im…
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Time to take it seriously
aaaaaaaaaaaaaaaaaaaaaaa
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test-please ignore
test, please ignore income weekly monthly self 1000.00 partner 0.00 benefits 0.00 total0.00 1000.00 divide by 4.33 £ 230.95 £ 230.95 total weekly income spend weekly monthly rent/mortgage 500.00 council tax 152.00 elec 35.00 gas 55.00 water 40.00 secured loans TV licence 11.95 fines 0.00 mob 35.00 sat 55.00 petrol 150.00…
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THE I'm IN DEBT AND AM STAYING IN ON A SATURDAY THREAD!
bring it on!
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Provident loan, help!
I know its not a big loan or anything but I get stressed out easily. 2 years ago I took a provident loan of 200 pound. Stupid I know but I was pier pressured by my partner at the time. ANyway I think I had about 90 pound left to pay then I went to afghanistan. Whilst I was their my missus moved out as the house we where…
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Help! I'm new and trying to reorganise my debts
Hi all, I have a number of debts that I am trying to clear and any advice would be much appreciated. I have a total of £33500 debts built up on credit cards Virgin (MBNA) £19500 , First Direct £8000, Tesco £5000 M&S £1000. The debts amount to £900/month our income is £3200/month. They have mostly been built up as home…
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Will my debt become statute barred?
Hi guys Just looking for some advice over a debt I have with Abbey which was sold to a debt collection agency. The default was placed on my credit file almost six years ago. I have two questions: 1) I have never acknowledged the debt or made a payment (believe it or not I was a victim of fraud and its a looong story) but…
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Up a certain creek without a paddle - any way out without a DMP?
I thought I had my LBM last year and then earlier this year but no. I have had a rude awakening when I tried shuffling cards to O% and realised the extent of how bad things really are. We (DH and me) owe a ridiculous amount of money and when I went on the CCCS site, it recommended a DMP. Thing is, I would still rather try…
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O2 Online Scam - Part II
Hello everyone, I posted a thread some years ago (listed below) regarding an 02 online mobile phone account that I had a 12 month contract with. The contract ended in February 2005 but a default was placed on my experian credit file for £24.96 which also shows as satisfied in late November of that year! I knew nothing of…
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Advice needed please - RBS won't freeze charges
I have been in touch with my banks and building societies and replies are coming in. The Royal Bank of Scotland (I owe approx £1200) have told be that as my payment offered is more than the 2.25% minimum payment, they are unable to freeze my charges/interest. Can anyone suggest an approach that might change their mind?…
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Call credit
How do you obtain a copy of your credit report online that is not a subscription?
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Losing sight of the goal
Hi, can someone please remind me of the main reasons I should be making overpayments on my personal loan because I seem to be losing motivation and focus... ...I mean I know it will clear my debt quicker and therefore cut out a lot of interest, but living frugally in order to do this means I have to cut back on other…
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Please Help
Hello all This is my first time posting although i have been reading posts on this site for a while. I would greatly appreciate some of the expert advice that is so freely given on this excellent site. My mother & father have worked all of their days but unfortunatly my father has just lost his job due to work shortages in…
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Need a current account
Sorry, not sure if I am posting in the right place. Natwest have been less than sympathetic to us and I need a bank that will let us have a current account - preferably with direct debit facility, online banking and a debit card. I do not want an overdraft or loan products. Only thing is that our credit rating isn't the…
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DMP, few questions if anyone knows the answer please.
Myself and the hubby are seriously considering going onto a DMP. The qwuestons we have are. How long after your debts are cleared does it stay on your credit rating? Is it a long term thing as long as you keep up your payments, by that I mean do you stay on the DMP as long as it takes to clear your debts even if it takes…
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HP for car loan
I currently lease a car at £291 per month, I can hand the car back at anytime(deal runs out in 18 months when I have to give it back). I will still need a car for work. I will probably end up in the next couple of months on a DMP. My credit score is good at present as I am using what little savings I had to keep my…
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Question about paying next bill with credit card
Just a quick question i have a balance on my next account of about £400 i know you can't balance transfer next but if i pay my bill using my credit card which is 0% for 12mths on purchases would this class as a purchase if you see what i mean. Kerron7 x
