Debt-free wannabe

Archives for March 2010

question:- I'm mortgage free. should my girlfriend pay me rent ?
Okay , so should my girlfriend pay rent ? we've had a debate about this tonight, she seems to think that I'm profiting from the situation ! , basically to put some figures into this, similar property to rent 600-650 , property value 140k , I said I would not expect half of what the property would rent for , but I said how…
6 or 12 year rule
Hi all,These last 3 weeks i have been recieving letters from a debt collecting company with regards to an outstanding mortgage debt left over from a house i had repossessed [£3,500.00]. The last letter i recieved from a "different" debt collecting company regarding this debt was 6 years and 4 months ago. In this letter…
Are there any debts that you 'don't count' as debts?
At the minute I don't count our mortgage in my debts, it would be just too daunting to do so. But I had an interesting conversation with my husband who wants to get a new car when the payments finish on the current one (we finish paying for the two cars in Sep/Oct and they will both be 7 years old). He said he didn't…
What should I prioritise?
Fresh out of uni and in a well paid job although have the usual debts an ex-student has! I am currently saving up for a house with my boyfriend - hoping to buy in a years time. Current debt: £450 on credit card (with interest adding each month) £300 overdraft (with interest adding each month) £1000 interest free student…
Help/Advice for dealing with Halifax Please
Hi Everyone I'm just after your advice regarding my current complaint with Halifax and the best way to proceed with it. Just in case you have missed my recent ramblings I will give you an edited version so as not to bore you to death. Started a DMP with CCCS last June Halifax accepted DMP and froze interest In February I…
Starting to clear the decks...
I've just totted up everything, got my credit reports, etc, and I currently owe Comet Card (Santander) - £840 with £2000 limit - minimum payment is around £36. Have started to pay off an additional £50 monthly to try and reduce this as it's on 25%. Egg Card - £1502 (it was a £3600 limit) Am paying £75 a month to try and…
Re-possessed 10 years ago - how can the bank still chase me for the loss they made wh
How unfair is it that the bank can not only re-possess my home but can expect me to pay the shortfall due to them selling it for a pittance ? I only owed them £1,000 at the time. They sold a (at 1999 property values) £30,000 property for about £8,000, now they expect me to cough up the £12,000 ! Surely they were…
Halifax charging interest again on DMP
Halifax froze our interest at the start of our DMP 6 months ago but I got a statement today and they have charged interest and a late payment fee. I rang CCCS who said they would send our forms off again saying nothing had changed but is there anything else I can do. With them and Cap 1 still taking half the payment I am…
Questions about credit rating??
Hi We have had 3 months of late payments placed on our credit file by HSBC which we have written to ask them why this is (there are two possible reasons but one is that we had a payment plan in place for 3 months and the other is because a newly set up DD didnt pay - dont know why not to do with funds). So this mark on our…
Perfect Home TAD
I currently have a laptop and Xbox360 from this company on HP. I took out TAD (damage liability cover) with them. I have recently gotten home contents insurance so can I now cancel the TAD with perfect home ? Any advice please ?:D
Its time to sort it all out
Hi everyone, Im in a proper pickle and i've just had my "Holy Shizzle what a mess" moment. Today is payday, it should be a wooohoo day time to pay my rent, repay my friends, buy food and whatnot and maybe even buy a beer or two. However today and previous paydays have been a time of slight despair normally a "!!!!!! i have…
My debts - consolidate?
So, whilst I'm trying to sort out my spending diary and do a proper SOA for you all, here are my debts as I can find them at the moment: Loans etc.Paying monthly--Owing (est net)---APR----Months remain NatWest loan£266.99£13,350(£10,100)--6.9%---50 Safestyle doors£49.14£5,454(£2,000)----26.5%--111 Lloyds…
I want to take control
But I don't really know where to start _pale_ I'm behind on payments to several companies and I'm ashamed to admit I've done the head in the sand thing :o . What do I do? If they keep adding charges and interest I will never pay it off. I've recently started Dooyoo, applied for Mystery shopping, I do some surveys too, all…
Credit Reports - Experian
Hello again, I was wondering if someone knew if you get a copy of your credit report would this show your debts? The reason I ask this question is because I got a copy of mine and as expected a few of my debts are on there but not them all (which surprises me because I would have assumed they would all show up. I got it…
ARC / Trevor Munn / Esporta
Hi all new to the site and am in need of some advice. I have read other threads on the 3 companies in the thread title but I'm unsure on outcomes and if they ever will proceed with court action they keep promising. I joined an Esporta Gym with an initial 13 month membership, I have a credit agreement which clearly states…
My poor credit rating is not my fault - any advise?
Hi, This is quite a long one but please take a few moments to look over it. I recently applied for my first mortgage and after a credit check was done on me it was established I was declined. I was quite shocked about this because as far as I was aware, my rating should have been good as I have not missed any of my…
New Forum Top Launched Today
As you may've noticed we've launched the new forum top(s) today. Please help by feeding back on whether there eare any glitches http://forums.moneysavingexpert.com/showthread.html?t=2375653 And please feedback there not here :)
help & advice to get get debt free please
I have £10k of debt ( a loan & a credit card) and no savings to speak of, whats the best way to reduce my outgoings ? there are quite a few otions, consolidating both and reduce outgoings, go to a company that promises to write off the debt, balance transfer on the card and also try and get some of the credit card fees…
can a default be put on twice?
Hey guys, I was just wondering... if a company put a default on your credit report then remove it a couple of months later of their own accord... can they put this default back on again at any point? it is the same default... Thanks in advance :-) Mandy
Studio Catalogues Debt Collection Firm Issue Me a Notice of Default
Hi peeps, I have been disputing Studio's alleged agreement for the past 5 months and have now received a Notice of Default from Debt Collection & Security on behalf of Studio(below in pdf) surely this has to be invalid. What should i do? do i send a bemuzed letter or ignore them. http://debtpdfs.tripod.com/stucol.pdf

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Debt-free wannabe

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