-
Is there a limit on the number of savings accounts you can have?
I have spent the afternoon working out that on paper we should be able to put £515 a month into 11 different accounts to save/put money aside for the following costs: 1. clothing2. car tax and car maintenance3. birthday presents4. monthly treat5. summer holiday spending or holiday!6. future savings7. Emergency fund,…
-
Considering paying off partners debts
Hello all I was hoping to get some advice. I am considering paying off my partners debts in preparation for when we move in together in August this year and get married in summer 2011. We have been together almost seven years and the relationship is very solid, but of course I am not naive enough to think that nothing…
-
Debt Free Date- Literally just set it and now pondering
Hello all, As a long time lurker, I've really taken a lot of inspiration from this forum. I have 'manageable' debts, in that I always pay every month and am not totally skint, have done so for years. But I really feel that the time has come to get on with it and get them down to zero. I have paid off a lot of debt over the…
-
Setting a DFD?
Any suggestions where to start? I'd love to have one but not sure what's realistic!
-
Aktiv Kapital / CSL. Getting bored now!
Hi, for some months now I have been getting letters from Aktiv Kapital / Credit Security Ltd, re a debt to Goldfish Bank Ltd. I have not had a CC for donkeys, nor have I paid towards a CC debt in recent memory. I am 99.9% certain that this debt would be statute barred if indeed it exists at all. I put all correspondence…
-
Credit report
Hi, i have just looked on my credit report its ok but in 2004 at my previous address a person took out a loan or catalogue in my name with a fake date of birth and even added a middle name as well, i knew nothing of this until February last yr when a letter came through asking for £159 approx i called the company and said…
-
Credit File Help
Hi Guys Before I start I know what a lot of you are going to say - deal with it - own up but its not that straight forward - yet! My question is if I look at my credit report through experian or a like will all my details match up and will all my creditors know I have looked? Will it make it easier for them to find me? A…
-
Bank Charges + debt collection
Hello everyone. I use to hold a bank account with a high street bank. I received some charges on this account (going back 3, 4 years, maybe more) and I felt they were unfair.. I advised the bank I would not be paying them, and moved to another bank. I have now received a letter all this time later, from a debt collection…
-
First-time poster - don't know where to start
I'm scared and confused, in debt up to my eyeballs. I suppose my SOA would be the best way to begin. I'm on JSA and housing benefit of £634p.m. and I do a day a week work, earning £240 (take-home). So my monthly income is £874. Rent £447 Bills £25 Phone £30 Debt repayments £295 That leaves me £77 per month to eat and pay…
-
Stick at it - a little inspiration..
I've been a long-time lurker and reader of these forums but I felt I just had to register today in the hope that this post might help inspire others to stick to their plans and know there is an end in sight. I won't bore you with all the details but suffice to say a combination of a reasonably high amount of consumer debt,…
-
single or joint DMP?
Hi DFW's My OH and I are thinking of getting out a DMP with Payplan in April, After bubs is born & things are more settled. I currently have 1 debt with HSBC (unauthorised OD - all bank charges!) of £383.15 OH has all of our debt in his name, I am looking at "attempting" to claim back my bank charges with HSBC, and will…
-
Help with debt being sold on
Hi I would be grateful of any advice regarding my credit card debt. I have had this card for a number of years (about ten I think). During this time the company kept increasing the limit up to £12000.00 without me asking for any increase. I always paid PPP and unfortunately in 2007 I had to make a claim due to illness. The…
-
Help with RBS/Tesco Loan needed
Hi everyone, first time on the debt-free wannabe board and I am looking for some advice In 2008 DH took out a loan with Tesco/RBS for £7,500 over 5 years. He was paying £147 a month. Current balance is just over £6500 but the interest has been paid off, he's now only paying off what he took out He was made unemployed a…
-
Need to stop the telephone calls- please help!!!
Hi I am trying to find the template letters to stop Poundstillpayday phone me at work. I have told them I only want to deal in writing or via home number bu they keep calling and it is v embarrassing. Can someone send me a link please?! thank you so much
-
One small step
Just been on to 02, and reduced my tariff from £30 to £25 a month. small step I know but felt good. £5 to the pot!
-
Stopping the phonecalls!
Hi all I am in about 25k worth of debt, and currently taking advice from CCCS about this. They were in the process of drafting me an IVA, but because my partner (who I live with, but have no debt with) is only in temporary employment, they cannot take his wage as guaranteed and so in their eyes, I don't have a single penny…
-
How to correct a small problem.
Hi, Was just checking my credit report, and i've noticed i've been defaulted by virgin mobile for 10 pound in 2007, which is rubbish as i know i paid the full admount and wouldnt be suprised if they owed me!, but my question is how do i correct this? Many thanks if you know the answer. :)
-
Weekend Chat 27/28 February - Weekend Fun
Morning all, hope everyone is well and going to have a great weekend.
-
Voluntarily increase Earnings Arrestment
Is it possible/legal for me to increase the deduction on my wages for an earnings arrestment(council tax)? I have agreed an additional £20 per week (which is fine) but don't want to pay by any of their methods, I can either pay £4.50 on top of my payment at the post office or use a method which gives them my bank details.…
-
Saturday/Sunday 27th/28th February 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…
