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Can anyone advise my options please?
Im new after reading a while, i have been self employed for 10 years now run out of work, but have some comig in new year so cash flow is problem. I have 3 loans and 1 credit card which i am struggling to pay, could i ask them to freeze the interest if i ran up. Or is option to default? In |scotland if this makes a…
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any advice on SOA please
Hi guys Need your help and expertise please! Am trying to get things organised so we can start 2010 with a proper money saving hat attitude and be able to manage our finances in the best way possible. Ive recently started PT work, so am hoping that with my money coming in (not been paid yet), we will be able to start…
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Need help urgently re: CABOT
Please can anyone help me with my thread below, see Page 3... Thank you very much for any help offered http://forums.moneysavingexpert.com/showthread.html?t=1679293
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This is me....
Hi I am a full time teaching assistant earning £13500 (£930 per month after tax), I am married with no children and my wife earns £18000 (£1100per month) as well. I am hopeless and stupid when it comes to managing my money, I seem to have some "rose tinted" view when it comes to credit. About a year ago, shortly after me…
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Repossession claim.
Hi all I'm hoping for a bit of advice. We have a normal repayment mortgage with one of the big four high street banks and due to unemployment have fallen behind with the payments. Because of this, in June, I contacted the bank by telephone and in a swift five minute call they agreed to accept a slightly higher monthly…
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A debt from 7 years ago
I got a letter yesterday from a debt collecting agency for an unpaid phone bill with Orange from about 7 or 8 years ago! This is the only letter I have got from them, yet the letter states that "despite previous repeated requests for payment". Do I really still have to pay this after all this time? What's the situation…
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Want to be Debt Free before my first house!
Hi guys, I'm Tom, I'm 22 and am in full time employment. I live with my partner who is a fully qualified Staff Nurse. We have 1 car, 1 dog and rent a 2 bedroom house. Our wish is to own our own house with a nice garden for the dog and a driveway. Anyway, what's stopping us? We've been together 3 years and have spent lots…
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Ive been gone a while but Im back
Hi all! Dont know if you remember me but I was a mad MSE extramist until the birth of my daughter in April and I kind of lost the plot a bit and couldnt keep track of things. The last week has been ful of debt collectors, court appearences and red letters. This has led to me realising that I cant run any more. I need to…
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Abbey Chasing Debt I do not Owe
Two months ago I received a letter addressed to Mr. Cowxxx or 'occupier' from a tracing agency acting on behalf of Capquest. The tracing agency was looking for Cowxxx. I made enquiries with neighbours and found that Cowxxx works for a company less than a mile from my home. I forwarded the letter to Cowxxx (at his place of…
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OK have had the lightbulb moment - just before Xmas; what timing ...
Hey all, It's been a while since I have been on this site (had to go get my username and password emailed to me to write this - wonder what my sig will say?) but have to contribute because whereas in the past moneysaving was an aspiration and a bit of a satisfying hobby, now it is an absolute necessity. After a change in…
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so last night I took a deep breath
I'm new here so I hope you don't mind me posting. Anyway, after lurking on here for the past couple of weeks, I took a deep breath and admitted my £55,000 debts to my husband. Unlike many of you, I have no noble reasons for being in debt. I have just been stupid and been unable to adjust to having a part-time wage after…
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Natwest Account - Quick Question
Morning all Sorry if this is the wrong place to post, but I have a quick question about my Natwest Step account. I have a daily cash withdrawal limit of £250 and need to take out £300 today - if I get cash back from a shop is this deemed to be part of the £250? Thanks for your help.
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debt is too great
hello our debts are too big and it's all too complicated. I am sitting here wondering will we ever see an end to them. I have spent years being frugal and I am so tired of being worried. I can't sleep. We have some money coming in over the next week and I will be able to pay some things off but it's credit card interest…
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1st CREDIT - Help needed
Hi everyone, I hope someone can point me in the right direction? I received a letter about 1 week ago stating i need to contact 1st credit regarding a debit. I immediately phoned the number and spoke to a gentleman who said that i need to pay £450 there and then over the phone. I asked for more details regarding the debt…
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How on earth..............
Hello All Firstly let me intruduce myself........I am Carol, 35 have one child, live in my "partners" house and am unemployed. I got into debt around 4 years ago, when companies were sending me credit cards willy nilly........and yes I was unemployed. I was given a laptop as a mothers day present when my son was one, this…
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consolidation loan figures revised
Hi, I was retired on health grounds December last year. When I retired I had around £20,000 worth of debt over 2 credit cards an overdraft and a Personal Loan. I started sinking so contacted HSBC to ask for a consolidation loan but as I had little income, they wouldn't entertain me so I went to a debt management company…
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3g debt - sold on?
Hi, am looking for some help with a debt from 3G which they have sold to a debt collection agency. In 2004 I left me exparter and as he worked for phone 4u he used my details to get a load of mobile phone contracts. I have to make all this offical and he was asked to leave his employment and all the debts were written off…
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Please help me
Firstly i dont wanna sound like im looking for the sympathy vote, but im really worried and no matter what i do to try and turn things around, things always come up and leave me penniless. Ive just received notice from money claim that im been taken to court for unpaid gym membership of £80.00. Theres a load of admission…
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MBNA - do I push my luck
I am now back working after going through the hell of redundancy (and the financial penalties). After a lot of pain I managed to get MBNA to freeze the interest (took 5-6 months of keep charging) and accept a reduced payment. Now I am back working I am able to pay a little more, but am frightened of contacting MBNA in case…
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Help - 2 cards x £50 pm min to pay - having to go back on incapacity benefit'
And I have never missed a payment yet. Just dont know what to do :(
