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Guys i need your help...
I basically can't get a job i am a graduate got a business management degree...i am atm on benefits which demoralising..also my short term goals are to get a job and in order for me to get that i job i am volunteering at a local volunteer centre to gain experience i am also working with the head of finance..i basically…
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Im in a big fat ugly money mess...
Hi, I have been reading the messages & treads for the past few months. I think im finally ready to admit that i have a huge debt problem that even though i ignore wont seem to leave me alone. I really want to get out of this horrible situation and live a normal life. I think the figure must have hit £25k by now. Im 22…
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Default notice - help
Could anybody please tell me what to do next Just received my first default notice from Santandar for the might sum of £12.00. The history of this is that in January of this year my partner left me and I was struggling financially I wrote to Santandar asking them to help by stopping interest on my store card, they wrote…
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I need to be sensible this time around
Have been in my new house with my OH for a month now and want to really start tackling my debts. I thought i could do it alone, but it's not working. I want to pay off my over draft and my credit card and need as much help as possible as to the best way to go about it. I supposed first thing i need to do is post an SOA…
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Under Pressure
Hello out of desperation im posting on here looking for advice.Rather foolishly i have run up various debts and now have fallen behind with payments.I have 3 credit card debts with 3 different companies,i have 3 store cards with Santander and i have also fallen behind with a Catologue.Like most people i buried my head in…
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Bankruptcy - Advice Needed
Hello, As you can see I am new here and if anyone would like to add anything to this thread then please go ahead. After a few years of insurmountable debt problems the !!!! hit the fan and I decided I could not deal with it anymore - I went to the Docs and got diagnosed with stress - money and debt being the root cause. I…
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June Make £10 A Day Challenge ~~All Welcome~~
Hello to all newbies & regulars and welcome to another £10 a day challenge. :hello: This challenge first started in September 2007, so this will be the 33rd Month this challenge has been going. So thanks Batgirl for starting it and JesaRose, MizMir, Aureol and sweetpeas, who also keep the thread going. :j I know this first…
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How Do I get Out of This Mess
Hi, I have been trying to get the interest on my 2 Barclaycard accounts frozen since last August, After making a phonecall to them they promised to stop the interest for 3 months after which I would have to call again to have the arrangement re-newed. The guy I spoke to said he would have to alter the amount I was paying,…
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Reliable collections LTD
Has anybody made F&F offer to them and if so what was their reply. Im going to make two F&F's on small debts £200 approx and £400 approx.Im thinking of starting at 30% and going up to 60% max if possible. Thoughts please :beer:
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F&F offers - no luck
Hello, I'm new here, and just want some advice i'm 23 and have just over 10k debt. I joined churchwood financial to address my debt problems in march 09 with a DMP, after 9 months i checked my accounts to find although i had been paying them i was in a worse situation. so i contacted payplan (who didn't charge a fee to do…
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Sat/Sun 29/30 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…
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**** Wahey, Wonderful Weekend Chat - Bank Holiday here we come :)****
Good morning everyone I hope you can be both money saving and a bit restful over the bank holiday. I have a trip to the scrapyard to do when DH surfaces. Comedy show was interesting last night, but finished late so I was very tired when I got home.
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Whats more importent...
Clearing your overdraft or credit card...i've asked people on my other thread however the general consensus im getting is pay the credit card of first... thoughts..?
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Paying off a CCJ - company gone bust - advice please
I have a CCJ against me which I am paying off at £25 per month. I offered a final settlement of £750 earlier this year but this was turned down. The amount owed is around £1700. Just heard that the company I owe the money to has gone into administration and has ceased trading. Does this have any bearing on my situation???…
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Any families of 5 with great budget?
Hi :wave: I am married with three children (4, 2 and 5months) and have wrote a prev thread about my rubbish budgeting and i was just wondering if anyone in with same (or close) number of people in family that has a great budget would be willing to share there SOA? Thanks
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Help Urgent bailiffs tommorow
My son got banned from driving and unknown to me he never payed the fine and ignored all letters Today a women came round with Bailiffs and i rang my son the bailiffs are coming abck around around tommorow at 9am after i pleaded with them i have receipts for my main electricals and such as the women said they could take my…
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Cry for Help!
Hi all, I've been on here before and got some good advice. My situation has changed now though and I'm getting just a bit scared. Long story short, at the minute I work for an insurance company full time and do some bank work for the NHS (not guaranteed, "as and when"). I live with one other person in a shared house. Until…
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Help...
Im in dire straits atm... I am £1500 overdrawn and have a credit card debt of £597... help please...
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McGuffick v RBS Help
I have been dealing with Hillesden Securities with regards to an alleged debt. I have sent the standard CCA letter and have received this included this in the reply: I really do not understand what this means. Should I make an offer of payment on the grounds that they will take me to court even before they have the…
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Kensington Finance
The wife is using this fee paying company as her DMP.They charge £35.25p management fee per month. Debts are JD Williams £206.22p monthly payment £6.82p JD Williams £406.81p monthly payment £11.13p JD Williams £ 1053.05p monthly payment £26.80p She pays £80 per month total. I never knew about this debt until she had signed…
