Debt-free wannabe

Discussion List

• How are you finding the SOA & Snowball Calculators at MSOC?

  Hi All I haven't been here for ages. For those that don't know me, I am the author of the Statement of Affairs (SOA) and Snowball Calculators at makesenseofcards. I was wondering how everyone is getting on with using them, whether you have any suggestions for improvements or suggestions for any other useful calculators?…

• please advise!

  Hi Do companies have to inform you that they will be marking your credit file with a default and get some sort of acknowledgement or can the simply mark it without telling you first? thanks

• NatWest call regarding my account

  Just had a call from "Jackie" from NatWest, wishing to talk to me about my account. As well all the usual questions such as account details and address, she wanted me to go into deatails such as how much I spend each month on food bills, personal spending which I found incredibly intrusive. She then listed my direct…

• Please help! Red postcard from Mackenzie Hall, requiring an urgent call.

  I owe them money and I do not know what to do. I don't want to call them but the postcard is threatening and they've told me to call them 'NO LATER THAN 24th June 2010', so if I send a letter I don't know if it will get there before my deadline. I am too afraid to call them. Whenever I try to call such people, they bully…

• I'm CARP with money and need help to stop

  My name is DJTonyb and I'm CARP with money. I am the main wage earner in my house, DH is a emergency cover Mid day supervisor and DJ (yup I stole his user name lol) . His wages pay for the food, diesel and general upkeep of the house (I also give him £250 pm and the CB and £40/month tax credits)). Everything else bill wise…

• **Daily Chat-Tues June 22nd-Welcome Along!**

  Good morning Another beautiful day here, got loads to do, got up feeling very motivated after my disaster of tipping a pile of crystals all of the dining room floor (which are still there lol) Got up to a pressie from Popeye this morning a dead bird, had to get my mates hubby to move it, very hard to find anyone awake at 7…

• Could I complain about this

  and how could i go about it? Yesterday I transferred £600 from an A&L account to another account in order to pay off a debt. Normally the money transfers immediately although not normally for this much. The money did not show up immediately and was still not there last night so I tried transferring £1 to check there were…

• Tues 22nd 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…

• Advice with Carphone Warehouse

  Hi, My situation is as follows: I had a contract with O2 CPW that I closed around two years ago. In the last few weeks, I've been contacted by this debt collectors company and by CPW to pay for an outstanding debt for that same contract that I recalled closing two years ago. My question is, Regardless of the contract being…

• Why DCA's should fear the budget

  After tomorrow - we will have even less disposable income leftover to reapy any debts. So if the DCA's thought they were struggling before now - then things are about to get a whole lot worse for them after tomorrow. I will drink to that at very least! :beer:

• Advice required

  Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,700.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…

• Reliable Collections Query

  Hi, wonder if anyone can advise me on this. I owe JD Williams £148.00.This is the up to date balance. I made a payment tonight to bring the account up to date and the agent said if I paid tonight I could be offered a final settlement of £86.00. This could only be offered there and then! I couldn't afford to pay this amount…

• help please

  hi all, can someone put my mind at rest pls? iam receiving help and advice re my debts. i got a letter this morning from kpr debt collections about my debt with nationwide. the usual pay of debt immediately etc. the bit im worried about is they then say about ccj etc. they then say they would look to enforce judgement by…

• Some advice needed

  Hi All, Am interested in your opinion. As I have posted before, my husband and I are in about £45k worth of unsecured debt!:eek: I know I know......plus we have a secured loan on our house with a mortgage. Can you say idiots. It was all OK and payments were fine until husband got made redundant. Anyway, we have entered…

• For the last five years I have been living in debt and its getting worst!

  Hi, For the last five years I have been living in debt and its getting worst!! Altogether I am in around 7k of Debt, my biggest one is a HSBC Loan,Overdraft, Credit Card all in one for £4000. This started at about £6000 and have got it down over the last five years. However my situation has got worst as I am slipping into…

• Old CCJ...??

  Hi, I was issued a CCJ in Sept 04, which has never been paid. Will it disappear from my credit reference file in Sept this year, once it hits it's 6 year limit, or will it remain until i pay it off? I don't think I've made a payment on the account since Feb 04, however a debt agency did send me a letter a few weeks ago…

• Lowell Finance - Old 3 Mobile debt

  Hey everyone, This is for my sister. She has had a debt letter from Lowell finance about an old 3Mobile phone contract, the letter is for £200. She thinks it's from 2004/2005, so I've suggested it may be statute barred. I have looked at her Experian report and her addresses are not linked, so I've had to do that, got to…

• Wescot CCA woes...

  Hello everyone, I sent a CCA request to Wescot on the 13th of June, and received a response this morning stating that they aren't the creditor and that I have to make my request to Barclays. This might sound like a totally ridiculous question, but is this just a stalling tactic? Is there a particular letter I should send…

• Incorrect Default Dates on Credit Report

  Apologies for the long post... A little backgound I entered into a DMP in July 2007 (via CCCS) Currently trying to get a mortgage and need to be clear of defaults from the last 2 years - and it's interesting what I have found on my credit report!! Some creditors have defaulted me some haven't - however some of those who…

• Need some Advice Please

  :( :(:(Hi Can someone advice me please. I took the advice from the forum regarding how to handle DMP and got intouch with National debt line who put me intouch with business debt line. Basciallly because i have been self employed for less 3 month's i have to deal with the creditor's myself but they advised me what to do.…