-
Monday 10th May - 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…
-
I cant afford my debts
hi, I need help, I have been told that my contract wil not be renewed at the end of may. I have started applying for jobs but as yet i havent had any luck. I currently have a loan with £2600 still to pay A credit card with £2500 stil to pay plus some other little things that add up to about £1000 and i have an overdraft of…
-
Credit reports
Hi, how do i get a credit report if i am not living in Britain at the moment. I am currently travelling and therefore do not have a fixed address in the uk but I need to look back into my credit history. Does anyone have any ideas, all the credit websites seem to need a current address. Help much appreciated Thanks
-
Off subject but how can I access medical history + can I use it?
Sort of relevant and I cant see an nhs forum and this always seems to be the friendliest place. Basically I have a ppi claim in but they have said they will re look at it, if I can provide proof of pre existing condition at the time. The only way I can think of this is a copy of my medical history from the period. I'm not…
-
Thank you :-)
Hi everyone I've read these forums every now and then for a while, but had never got around to registering. However, I felt the need to just say thank you for everyone's great advice to others that has helped me out. My partner recently had some money problems and unfortunately ended up having to deal with bailiffs. They…
-
Moorcroft CCA request and full and final settlement
Hi ...new to this , i have few questions regarding Moorcroft after reading few online threads.I have been paying Moorcroft for few years regarding a loan with the Alliance and leicester. A&L have passed my account apparently to Moorcroft and i have been paying them every month, now i would like to make a full and final…
-
Help DMP advice...
Hello, My husband and I are waiting on forms for a DMP. Only thing is I'm starting to worry one of my loans won't count... Its a Career Development laon from Barclays and I'm not sure it counts as part of the DMP package? Can anyone help? Thank you xx
-
Pay off the overdraft or the credit card first?
Hi there, I have got myself into quite a rut and the biggest debts I have is a £300 overdraft which I always max out on and a credit card with a £400 limit which is currently down to £370 with a huge amount of interest of about £5 a month! The issue I have is the bank account I have is £12.50 a month (I have this to save…
-
What rights and power etc do I have when I get debt collector letters
I admit when I was 18 as far as 21 I got some bad debt mainly a few credit cards and phones that I defaulted on though I am 28 soon and did a credit check on all 3 providers 2 years ago and had zero defaults or CCJ's However I have for years been getting pestered with letters for a debt to T mobile who I last had a phone…
-
Threatened with Bailiffs over unpaid police car fine! But there taking the mick!!
Hi, First of all, thanks for any advice anyone has. OK, here goes...... I got a £60 fine from a lovely police officer as my number plate didn't have the correct information printed on the bottom of the plate (Long and stressful story, but i think he was just having a bad day!!) So anyway, i forgot all about the fine and…
-
Two bank accounts- how do I set it all up?
Hi all, I wonder what you all think I should do about this: Basically I have been doing really well recently with my debt busting, and thanks to some amazing friends who have allowed me to use their 0% credit facilities, I am now ONLY around £9.3k in debt as opposed to the 20k I started with in January 2008. One debt that…
-
Average debt
Hi all i was just wondering what you think the average debt of users on here is? I know statistics say £8000 i know i am way over average!!!!!!:(
-
Water rates
Good Afternoon dfw's Just wondering if my waterrates seem a bit high to you? I currently pay £48 a month, with ive been paying without question as its not as if you can shop around for your water supplier(?) anyhoo, the more SOAs ive been reading lately, the more im jealous of everyones seemingly low rates. We are with…
-
default against my name even though paying
hi all this is my first posting in this section of mse and i need some help and or advice please. i have recently requested and received my final bill from ntl, when i received the final bill i rang them to try to make an arrangement to pay but they would not accept it and said it would be sent to a debt collector. since…
-
In debt & working for financial services company-Help!
Hi all hope you can help
-
Urgent Advice Needed
Hello, I was after some advise on an old default on my file. My boyfriend and I are hopinh to apply for a mortgage in October but having checked my credit file I have noticed a default on there for a credit card which I entered into a DMP with back in 2004. I entered into this DMP with 2 credit cards and one loan - the…
-
Weekly Spend Challenge W/C 9th May 2010
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
-
CCJ and Forthwith judgement help
Hi I'm in a quandry and would welcome your assistance I have had a DMP with the CCCS for over a year now and one creditor, Santander, has always refused to enter into any negotiations about freezing interest and reduced payments, although I have been paying the 'reduced' amount since I started the DMP. To cut a long story…
-
o2 - debt resolution
Hi, not sure if this is being posted in the correct area but here goes anyhow... About 2 weeks ago I phoned up o2 (im on a 24 month contract on Iphone taken out August 2009) as i hadnt paid my bill and it had then been passed to debt collection for about £810 (this the money to end my account). This was well above me so i…
-
advice about lloyds tsb
:mad: Hi everyone, can anone give me advice on Lloyds tsb, I am on a DMP with CCCs started begining of April, Lloyds sent back notification to cccs that they had no knowlege of my accounts, bank loan, cc and bank account. I didn't have an overdraft with them, but because cccs thought they would still try and take the loan…
