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Help with my husband
Hi, I hope someone can give me some advice. I have lately found out that my husband has "a lot" - his words - of debt (he won't say how much). I had suspected it for a good while. We have a joint account for some things and he always pays his share into that though. I have asked him to get his debts cleared and he says he…
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I need a multi debt overpayment calculator
Hi all, I have a mortgage and several debts left and need an overpayment calculator that will cope with multiple debts. Any ideas? TIA, Ging x
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Statute Barred Debt Advices Please
Good Afternoon Everyone, I am a relatively new user to this site and have searched old threads for the info I am looking for however I was hoping someone could give me some pointers please. I have received a letter from Aktiv Capital regarding a HP agreement taken out in 1996 or 1997 in relation to some furniture purchased…
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any opinions please.....
http://forums.moneysavingexpert.com/showthread.html?p=24952845&posted=1#post24952845 if you keep reading down itll show another couple of posts by me, its the last one that i need the help with please!
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The walls are closing in.....
I haven't been around for a while - been looking for a job and eventually got one. First of all a SOA: Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1350 Partners monthly income after tax....... 0 Benefits................................ 0 Other…
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Percy's SOA
Hi everyone - I would be grateful for any comments anyone can offer. I feel at the end of my tether today with being in debt. I have nothing to show for it except photos from many many holidays to exotic locations and a wardrobe of clothes that no longer fit me because I have been comfort eating so much to try and make…
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Should I tell my parents?
Well some of you may have already read my other thread. Just to summarise,I'm around 10k in debt,3 loans and a cc. At the mo my parents don't know,I really want to tell them but they have enough problems at the min. I really want to but I don't want to give them more worries than they already have. I feel so fed up with my…
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Anyone heard of EQL?
Has anyone heard of a company called EQL? They have been phoning daily asking for my son but won't tell me who they are; apparently data protection even stops them from telling me what the initials EQL stand for! I'm assuming they are a collections agency but couldn't find anything thro' google (unless he's secretly…
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Need to end the Shuffle..
This is a good warning tale to anyone "playing" MSE great credit card shuffle who isn't 100% sure they can pay deals in the time specified. A few years ago -I was self employed contractor through an umbrella company and had 2 years of very erratic good month/ bad month earnings. Needing "just get me through" loans and…
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What will happen next ??
Hi have been posting for advice on another thread but seems to be busy so wondered if anyone could help out. I sent CCA requests to EGG, MBNA, and Abbey - got one back from egg which im not sure about but am just leaving for the mo, havnt had anything at all from mbna and abbey (which is issued by mbna anyway). have…
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Bank didn't close my account and now I apparently owe them money
I am wondering if anyone can help me. I used to bank with Lloyds TSB, I was with them for over a decade and had nothing but problems with them. The straw that broke the camels back was when they didn't pay my direct debit for my rent even though there was plenty of money in the account. I decided to move my account to…
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***Wow its Wednesday 9th Sept Daily Chat. Drop in for a coffee!
Morning peeps - you are getting to be late starters! Going to see friend in Troon today. Need to do a bit of housework too...
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Wed 9th Sept - 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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LBM - Help & Advice Needed please...
Hi All, Newbie here, but long time lurker/reader of this website. Well, I am (despite feeling angry, upset, embarrassed and all those other negative feelings of despair) quite proud to finally take my head out of the sand and get a kick up the backside to admit to this awful situation and have this Light Bulb Moment. I…
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debt management plan
please help me! i need advice! is it legal for a debt management agency to charge me the initial monthly fee without me signing the letter of authority and sending it back to them? i know for sure at the point of the initial contact, i specifically told them that i have yet to agree until i read the plan, sign the…
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Time to get real...
Hey everyone I thought I would join up on here as I know we are all in the same boat and hoping that the moral support and advice will help me through this... I'm 25 and in June I lost my job and aside from the money I now owe my partner and mum I have some small time debts that have got out of hand. I grew up on credit -…
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Huge kick up **** plus advice needed please
I have been a lurker on this site on and off for years, sadly however, mainly "off" which has led to me going through phases of money saving & then falling dramatically off the wagon :( My current situation is; I am 29, renting a room living in my brother's flat, so cheap rent but does have its downsides (will come to that…
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Paying off my debt
can anybody help me, i have a debt of £740 of my wifes who has left me, i rang the debt management company to offer to pay. they asked me to make a reasonable offer which in return i suggested £400 they refused and asked to speak to my wife who then could authorise me to speak to them. is there a guide they use so that i…
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Help with ill brother
Hello i will try and keep this as brief as possible so as not to send you all to sleep;) My brother is very ill, he has been admitted to hospital and this time around we are not sure how long he will be in for. He has got some debts (amounting to £5k ish) and I have been helping him over the past month or so to sort these…
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where do i start?
So, I am not trying to make excuses for myself here but need to tell the whole story. I owe approx £35,000 in loans and credit cards due to my partner and i having a whale of a time whilst dating and yes it was all in my name as he couldn't get credit, and I was paying all bills on time and everything was going swimmingly.…
