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Any advice please
Salutations, I am looking for some advice please on dealing with Roxburghe. Five years ago I took out a Barclaycard which I unfortunatley I ran into debt. Originally I owed £500.00 and barclays kept adding interest until it hit £1000.00 they then sold the debt on, I had been paying that company £10.00 per month for Three…
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Debt Collectors want money
Hi all I wonder if someone give some advice. The story is a bit complex so here goes. I left a job in Wales a year ago and moved to London to start a new job. I owned a house in Wales and I returned there as the tenants that had been renting it since we left had moved out. Whist there I discovered a pile of letters which…
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can anyone give me advice here
below is my soa, and although it doesnt look too bad (ive just paid off a credit card) i dont seem to have this much left at the end of the month. i have been doing a spending diary every day but im finding it doesnt really deter me from actually spending the money. i have £500 saved but i really want to go on holiday at…
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affected?
Iam going to declare me bankrupt in few weeks. Had chance to start fresh over in austraila with a mate, still possible?
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multiple problems... in desperate need of help
Ok where to start. A year ago my credit score was close to great (960). I owed a lot of money but was managing with the 0% shuffle. The 0%'s dried up and things became a little harder to manage. But I managed. Then... - A t-mobile bill was paid late. This was not really my fault. I had a get out of contract clause through…
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What can anyone advise on this situation please?
Evening all. This is hard so bear with me. I'm in a mess and i need help. Its a long story so will spare you a few hours reading!!! Basically - started my married life good, debts started to rack up due to previous problems for both of us, lots of years go by - nice house, nice cars, both working very hard indeed ( many…
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Trying to become debt-free!
Hi folks! I am hoping to become debt-free/find ways to manage our finances better - Unfortunately DH had to give up a well paid job 3 years ago after pressures (both at work and financial) drove him to attempt suicide. After a break of some 18 months during which time we survived on a very small Ebay generated income…
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Basically i need advice
On how to stop spending... thoughts..?
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Family member took credit in my name...HELP!
Hi, I’m in a really difficult situation and am losing all hope of anybody knowing of a solution. I’ve contacted debt charities (including Citizen’s Advice) and FOUR solicitors but nobody is able to give me solid advice. I’m hoping someone out there could possibly help out... I had a nervous breakdown a few years ago in my…
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Family member took credit in my name...HELP!
Hi, I’m in a really difficult situation and am losing all hope of anybody knowing of a solution. I’ve contacted debt charities (including Citizen’s Advice) and FOUR solicitors but nobody is able to give me solid advice. I’m hoping someone out there could possibly help out... I had a nervous breakdown a few years ago in my…
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soa but its looking grim
right im not sure if this is going to work as im such a noob but here is my SOA its looking pretty grim already as it is as this is with all forms of entertainment cut off and all birthday pressies and xmas budgeting gone my poor poor kids :( . really dont see what i can do.... Summary Number of adults in household 2…
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DFW - MSE Newbie
Hi All Taking my/our first steps today by facing up and dealing with our debt problem. Any advice is gratefully received. Ok here's the situation. We are both in our 30's and owned a flat with a northern rock together 125% (£30k unsecured loan) mortgage. We also had a secured loan for £45k and various cards and other debt…
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Over draft & cc - debt building - help please
had posted this in budgeting and bank accounts but have been told to post here instead: Hi I have a student overdraft with Lloyds TSB which is £1490 over drawn and has been for the last two years (I don't use it). It is currently a 'graduate account' and so has no interest being charged on it. However, come June they are…
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Quidco Question- help please!!
Hi all, I've asked a quidco question before- I hope you can all help again. I bought a home insurance policy months ago on quidco- the cashback was £100 and was it's current status is 'tracked' on 7th January. I really thought I would have gotten it by now- is there something I've done wrong? My cashback amount is showing…
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Trying to sort a budget out and work how much money I have
hi, I am starting to get my life into order and think its about time I sorted out my OD currently running at around £1500 (I avoid checking my account as it depresses me). I have been on the frugal thread ince the beginning of the year and am confident I am living at the baseline (with the odd jump here and there!). But I…
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Savings VS Debt.
hi all, Need some advice and who better to ask. Got 2 loans adding up to £12000 roughly. The loans have 3 & 4 years left to run. With repayments of £244 and £144 a month. I`m looking to put away atleast £600 a month into savings. My dilema is do i put this extra money into repaying my debts faster or continue to put this…
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Salesperson swore at me!
Have just had a call from a salesman, I think it was Stevenson something, and as he launcehd into his pitch, I told him that I wasn't interested and that they shouldnt call on a bank hol........he called me a f***ing stupid cow!! Anyone any idea what company it could be that is Stevenson something??
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Advice would be appreciated
Hello all, just found this website after someone told me to come online to look at this. Basically over the last 6-12 months the debts have caught up with me, and then losing my job didn't help (March 18th), luckily I have just found another job which I start tomorrow weheyyyyy but the week in hand is crap. Ok so here we…
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Feeling stuck in a rut!
Hiya, I'm feeling slightly stuck in a rut at the moment with these debts, paid of 3 debts in Jan, Feb and March and since then things have appeared to slow waaaayyyy down! and i'm just plodding along, I know theres no quick fix solution but any advice to get me back on track would be greatly appreciated, what do you all…
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Gentle Jump into June? Did we mention NOT spending...(well this is the NSD challenge)
:jWELCOME TO THE JUNE NSD CHALLENGE:j Wimbledon and strawberries; Ascot and posh hats; Lords and ladies....all signs of June finally settling over Britain. And then rain stops play! A bit like our NSD Challenge if you think about it. There are so many things we would rather do with our days than have to spend money on…
