Debt-free wannabe

Discussion List

• CCJ help please! Last time!

  OK, here are the facts, I apologise for constantly asking CCJ questions! I recieved a CCJ for a credit card, and put in a acknowledgment as I was going to defend. I have now been advised its unlikely they would have taken it to court if the DCA didnt have the proper paperwork to enforce it. I find it highly doubtful I will…

• Need some pointers

  I got myself into serious debt and I became depressed, suffered ill health and went through an emotional roller-coaster. I have for the most part over a number of years and through much pain managed to get on top of everything, or so I thought. But an old debt has reared it's head. The debt is for an RBS credit card and…

• New to MSE - Trying to get debt free....

  Hello everyone I am new here but I have been looking on this website regularly for a few years now. I was a silly girl when i was younger and am now trying to clear my debt. I have just set up another bank account to transfer everything to so that I'm not paying charges each month, but before I go ahead and put my wages…

• what to do??? urgent help needed.

  my husband works full time and i work part time. we have 2 pre-school age children which makes childcare unaffordable so i can only work around my husbands shifts and when his father can babysit. i was working 4-5 nights a week a few months ago but because i couldnt commit to 6 nights a week every week they took someone…

• Some debt cleared, please help me stay motivated to clear the rest :-(

  I have sold my house recently and gone into rented accommodation, a big saving as my outgoings for the house purely before were about 850 a month and now are about 467. Anyway with the profit I made, I cleared my joint overdraft from 2250 down to 300. I also cleared one credit card of £4k, paid £900 towards another one,…

• Debt passed to another collection company whilst in dispute

  I disputed a debt that was being collected by Fredrickson international. Yesterday i received a letter from Credit Resource Solutions LTD who are now trying to collect the debt. I have also received phone calls to myself and at work. The dispute was never resolved and still stands. As far as i understood a debt could not…

• have taken the 1st step!

  last night DH & I agreed that we have a problem & this morning i phoned the national debtline the charity one. they were really nice & v helpful too. i was so upset (does anyone else feel ashamed & stupid that it got this far?) :( but she was great. she suggested some things we can do, some of which i've done already.…

• Debt management - I'd really appreciate some advice!

  In a bit of a hole and not sure what to do, could really do with some advice please! There's the situation (sorry if a bit complicated!) In 2007 I started my own business, a franchise, and took out a personal loan of £7000 to do it, with my bank (Smile). It was a tough old slog, and then I ended up divorced and a single…

• DMP - can you change from a fee charging company??

  Hi Everyone, My collegue has just entered into a debt management plan with one of the companies that charge a fee!!!:mad: They are taking the first two payments of £250 as a fee and then £35 pounds each month from her payment!! She has only just entered into this agreement can she cancel the arrangement with them and then…

• What next? Can I negotiate credit card repayments for 3 months?

  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................ 1298 Partners monthly income after tax....... 0…

• help with creditor negotiations

  Hi i feel a little lost i went to the cab on monday he told me bank rupcy or creditor negotiations so i opted for that. Hes drafting me the finance plan and how much i could pay back can some one guide me in what to do after that or some one who has done it before. Do i ring them this month regarding i cant pay the full…

• Can I do it this time?

  Well I'm back on the MSE forums because I need help. I have to admit that I am a shopaholic. I thought that was just a made up word but I now believe it's a disease. I managed to clear most of my debts but have started shopping again and can't seem to stop. I keep my bills down to a minimum and get all the best deals but…

• Wed 23rd 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…

• ~~**Hot and Sticky Hump Day**~~

  Sorry, Having decided on the title it now looks mildly pornographic!!:o I am awake (because it is hot and sticky). Today I will benefit from one of the pluses of being unemployed. There aren't many but having my teeth done for free is one. Today I'm working on Plan B 1. Get completed form for Masters in Housing into…

• Trying to expain to charity muggers that I literally have NO spare money

  Hey all, This is sort of a rant and sort of a wondering about how other skint people deal with charity muggers (Chuggers!). I work in central London and on a walk to get some lunch or on the walk to the tube I must get 'attacked' by at least three chuggers every time. I know they're working for a good cause but I do always…

• Statement of My miserable Affairs!

  Hi, Looking for some help/advice in ways I can reduce my debt! Am currently on JSA (cont) as job seeking, live in rented accommodation with a one year old and my husband (who is no recorse to public funds). Our income includes (per week) Jsa - £65.30 Wages - £150 WTC - £74.35 CTC - £54.30 CB - £20.30 We also get £68 per…

• No Reply to S.A.R and i really need the info...

  I have recently made a S.A.R to a finance company and i really need some of the information and documents which would come with the S.A.R but the company have not replied and it has been over 2 weeks since the deadline for compliance. What do i do now? Do i report them to the information commisioner? is there a non…

• Northern Rock loan info...SAR request?

  My OH has a (large) loan with NR which we are currently paying off through a DMP with CCCS. We don't seem to have much paperwork with this loan and the balance seems to be higher than it should. My OH did cancel his PPI on it, but I've just found out that, although he cancelled the policy, it appears that he didn't get a…

• DMP Balance not reducing due to interest and fees

  Hi, I have two questions please. We have been on a DMP with CCCS for 18 months now and have paid around £9,000 but our balance has only been reduced by around £5,000 due to charges and interest, Barclaycard in particular are charging £126 of interest every month on a balance of just over £6,000. I have written to all of…

• RCM Bailiffs?

  I'm in desperate need of some advice for my friend plz guys? A postcard from 'RCM' came through her door (she lives at home with parents) to state they were visiting the property. No record of this company or their telephone number can be found so she has no idea what debt this relates to! What can she do? Many thanks! :)