-
become debt free
question! i've got a couple credit cards with generous amounts and i've also got a long term savings with axa, should i cash in even tough i would loose some of what i've invested to pay off these credit cards or leave as is.
-
Separating and some how have to keep my house
Following a lengthy discussion with my partner, we have decided to separate, she has stated she wants no equity from our house and is happy just to walk away. There are obviously a few things I now need to sort out. She has agreed to carry on mortgage payments etc, for the immediate future while we sort things out so for…
-
Accord Mortgages debt
Hi There, I was in bad car accident a few years ago and had house taken away due to inadequate protection. Accord sold and there was a shortfall of £6K, I have paid back £1.5K and continue to pay. £2K of this money was where they paid for the lease on th flat to be up dated and they charged me for this, I am I responsible…
-
lloyds and MBNA- Help needed please!
:confused: Does anyone have a lloyds credit card collections telephone number or an mbna collections number, where they will discuss full and final over the phone? I Keep getting overseas telephone no's where operators are not helpful and want me to write to them- but I'm on a 7 day time limit (A member of family is…
-
Starting slow
I am finally back in work after a long period on income support and then going to college which I hated. Over a long period (well since I was 16 so we are talking 15 years) of building up debts I am finally facing up to it all and going to sort it out. My mum has been a rock and is planning all my money for me. So far this…
-
I've done it - Thank you
Hi all, Yesterday I became debt free for the first time in 30 years:j Although I have not been a regular poster on the forum I can honestly say that if it was not for the DFW forum this momentus occassion would never have happened. So just want to thank you all and quickly tell you of my DFW journey in the hope that it…
-
Can Anyone Help Us With A Loan?
Hi! Please help - I haven't been on this forum before, although I subscribe to the newsletter, I came here on the advice of a friend. I already posted this elsewhere but was advised to post it here too. My husband and I's combined monthly income is £2075 including tax credits and child benefit, and our outgoings are about…
-
A bag full of quarter dollars
Hi, I have $23 worth of quarters after going through my loose change jar, as no-one will exchange these, has anyone any suggestions on what I can do with these? thanks Caz
-
What should i do about my DMP?
Hi everyone. Just looking for some advice really. Me and my husband have been in a DMP for over 3 years and have managed to reduce our debts from £20k to £13k. We used to pay off £500 per month and things seemed to be going just fine but then i had a baby only recieved the basic maternity allowance whilst on maternity…
-
How many of you live from pay check to pay check?
Just curious really:confused: , With me it has always been this way from when I started working at 17, I have simply never earned enough to save for a rainy day, should an emergency pop up I'd have to get a credit card, loan or something and worry about the consequences later, should an emergency pop up now I am royally…
-
Halifax/HBOS, SAR and interesting information sent
Just received info' from HBOS following my Subject Access Request which I made, amongst other things, to see if they had a fully executed CCA. They have sent me a copy of an application form which does not contain the prescribed terms on the signature page and has no linkage to a seperate page containing terms & conditions…
-
Question Re: CCCS Online DMP
Can somebody tell me the procedure if you apply for a DMP with CCCS? Can you do it all online without speaking to an advisor? Thank you
-
SOA question
On the SOA should I fill in what I currently spend or what I would expect the cost to be? For example; car maintenance (MOT). We don't spend anything a month on this generally, maybe something every few months, and we don't save anything to go towards MOTs, we just dip into our overdraft when it's needed. So should I put 0…
-
Newbie looking help & advice!
Hi guys, I had been recently looking for a loan to cover some debts so I could have the weight of owing so many companies lifted, but have realised that I should be simply tackling getting rid of them instead of getting yet another loan to pay them all off. Credit rating is terrible anyway so I think I can discount a loan…
-
new legislation?
Hi this is my first post on here. I am currently in a few reduced payment plans and in the process of re nogiating payments with the help of th CAB. one lender has failed to respond to my new offer and as such CAB said to withhold payment until they do. however i have just had a call from the lender telling me they have no…
-
Help Needed I'm desperate
:( :(:embarasse:cry: :cry: :cry: :cry: can anybody help or advise me.. I got paid on the last day of august, and it is only the 5th, and i am unable to draw any money from my barclays account.. i had an authorised overdraft, and now for about 12 months, they have given me on top of that a 200.00 reserve, but everytime i go…
-
Basic Account Over a Current Account?
Hi. Sorry, a bit new to all this. I received advice recently regarding our financial position which included starting a DMP and opening a 'basic bank account' to keep our money away from our creditors. It was explained that this type of account is code for a safe account and that our money would not be available here to…
-
6 year ruling on IVAs's
Can anyone help me, back in 2002 we took out an IVA to effectively "take care" of a mountain of debt we had accumulated. After one month payment, we spilt up from our marrige, due to this i cancelled the payments from the joint account we had. over a period of time we got back together, however I/ we never received any…
-
Saturday/Sunday 5/6th September - What small 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…
-
*Weekend Chat 5/6th Sept ****Happy Birthday Snags and Pania
Woo hoo Happy Burfday Snaggle puss.......And Pania!!!!! I am trying to figure out whether I will be missed if I sneak off to the Bunny Warren...:rolleyes: Not sure yet...watch this space. Fingers crossed I *may* have mended my washing machine...blocked pump. Man only out to it on Thursday so too embarrassed (and naffed off…
