Debt-free wannabe

Discussion List

• CT enquiry

  If you move from council A to council B in June 2010 how much would you owe to council A for 2010-2011? Just April-June or more? Partner sister wasn't paying CT owed £59 from 2009-2010 and hadn't done anything about 2010 in council A before moving out so got a court summons for next week. This finally made her wake up…

• Satellite Aftercare are stealing my money

  I am looking for some help and advise please. about 3 years ago we had Satellite Aftercare - £6 a month (yes waste of money I now know). Anyway I saw the light and cancelled. A few months later they sweet talked me with 3 months free and a reduction to £5 a month. Anyway after the first 3 months they then tried to claim…

• Egg laid to rest

  Tomorrow (pay day) i officially finish with Egg! I was one of the unlucky (lucky) people whose cards got deactivated a few years ago when Egg underwent a whole responsible lending phase. I also had my Virgin Card deacivated around the same time. I decided to focus my efforts on one card at a time and so paid off the Virgin…

• Baliffs letter something fishy?

  Any advice would be welcomed! My partner has been paying £10 to Howard Cohen solicitors regards to a ccj. He forgot to pay last months installment ( i know silly him) but the issue is that he got a hand written address baliffs letter, which was sent to the incorrect address (a friend of ours address as my partner has some…

• Banks using offset - does it apply to places such as the AA ?

  I see the AA has a decent savings rate, but the principle could apply to anyone. They state: My question is whether RBS as the owners of Birmingham Midshires could use any money deposited with the AA to offset any sums owed to RBS directly or to offset any sums owed to any other entity owned by RBS. My feeling is no, not…

• Thursday 24th june - 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…

• Thurs 24th June - What small DFW things have you done today?!

  Am up so early thought I would start this...hope no one minds...blessings... Don't have a list right now other than what didn't get done yesterday... This am is the 'usual routine' (only 1/2 hour earlier) then depot shot (in derriere) pre 'work', then lunch and home... Don't think I'll do the ironing if it's mega hot in…

• My Statement of Affairs

  Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1367 Partners monthly income after tax....... 0…

• Defaults and Debt I didn't know about - please help!!

  Hi everyone, First time poster so please bear with me. I've just checked my credit report for the first time ever. I thought it would be a little bit bad, one or two missed payments maybe, but I was horrified to find that I have 4 defaults! :eek: One of these has been marked as satisfied, but the other 3 still have a…

• Poor Credit Score, but don't know what to do! ARGH!

  I just checked my credit score as I was turned down for a mobile phone contract today. I have a "Poor" Rating, but in the "Factors which have a negative effect on your score" section, there is nothing there! Apparently there are none! I have 3 positive ones, including electoral roll, 2 or fewer applications for credit and…

• Please help!!

  I have been using a DMP called William Goldberg Ltd since September 2009. I pay them by standing order on 1st of each month and they have told me that they send cheques to all three of my creditors on 10th of each month, but I have only recently found out that since I have been using the company, they have made 6 late…

• Final Settlement Offer advise please

  Hi all - sorry if this is in the wrong section (please feel free to put in the correct one) I made a claim on my Virgin CC ppi back in feb due to getting made redundant - just been told after all this time they are not paying out so I'm putting in a claim for mis-selling, currently claiming JSA so I've not been able to…

• Hmm, should I go for 'unenforceable' or not??

  Hello I'm looking for your opinions... I don't have a partner or anyone I can bat things backwards and forwards with, and I'm stuck with a bit of a dilemma. So, please help! Five years ago, I hit the wall, defaulted on all my debts and made payment arrangements. I sold my house and over the years have plodded on with…

• Cannot get hold of the people I owe money to....

  First time poster so sorry if this is in the wrong place. I cancelled a home insurance policy in March of this year. There was a small amount to pay on it (I cancelled just after it was renewed) and I thought I had paid that so all good there. A month later, my old housemate passes me on a letter from the company saying…

• A stitch in time?

  Hello all I'm generally more a reader than a contributor on these forums. This is largely because I know what I have to do to repay my debts, its the sticking to it thats difficult! I had some debts that I had been overpaying on eg balance transfer on card, overdraft and and a loan. After deliberating for the best part of…

• I need some guidance ASAP please!

  I've worked us into a situation that I don't know how to get out of. We're from South Africa and have been in the UK since 2006. My husband had a work permit through a company in Wales and we were very happy. Then the company went into administration and he had no salary for 2 months. Debt built and everything spun…

• Graduate seeking advice for new Bank Acc

  Hello, sorry if this isnt in the right place. I have been a student for 5 years and now HBOS have sent a letter saying that they will start charging me £1 per day for having an overdraft- this is very worrying considering I have one close to £3,000- which they were more than happy to let me run up. I am going to start a…

• HFC Loan Agreement problems

  Hi Just wondering if anyone has had problems with HFC providing a copy of their Loan Agreement. I CCA requested a copy of my Loan Agreement from HFC after getting a higher than anticipated settlement figure. As anticipated, I got a reconstituted, unexecuted version which is fine. However, the agreement did not reflect the…

• Lawyers Demands Thousands or Court :(

  Long story short, had a car repod at the begining of the year. Only had it for a year, but lost my job. Anyway it was sold at auction leaving 4 thousand outstanding on what was still owed, received a letter demanding this money, which i ignored as basicaly im not working and didnt receive anything like the fair market…

• Please help! :(

  I've been receiving letters from Westcot Credit Services recently demanding I pay them 820.47 in full or "further action" will be taken. I know not to contact these creeps, but it's annoying me because the company I *do* have the debt with have had an agreement with me for the last 4 months now and are getting payments…