Debt-free wannabe

Discussion List

• is anyone else worried about the budget?

  appologies if this has been done already but i am pooping myself lol I am on a DMP with payplan & we just about scrape by now but its really tough. By the looks of it we will be losing our tax credits as we are over the income bracket the media are suggesting it is (£25,000) Obviously i know its all speculation until 2moro…

• Fredrickson International!!!!

  I am new to this website but HAD to join because of the invaluable advice I have gained from just viewing threads, but I need some personal advice now. I received a letter from them (Fredrickson International) today, stating I owe 'Lowell Financal Limited' £332.53. :eek: Problem is, this debt is 5 years old and I had a…

• Help!!!!!!!

  Hi first time ive posted on this part of the board i keep over spending every month this month 330 in to my overdraft i basicly spent it on crap ill freely admit it is there any tips you can give me to stop over spending recomend a band accout with visa or maestro card that dont have over draft facilty i find visa electron…

• Threat of recovery from court enforced baliffs

  (sorry if this is in the wrong place) Hello, I'm a student currently living in Leeds and my father has called me to say that I've recieved a letter and a visit from the baliffs leaving me a removal notice over an unpaid court fine. The original fine was £200, and now they want £475 right now and I have no way of paying.…

• defaults and other questions!

  hi all.... I was wondering!!! Well since i split from my ex and took all out debts on (as they were in my name) I was coping ok, me a new fella but he lost his job last year! My wage has had to keep us alfloat as he is a builder and not much work but stayed @ home much of the winter to save on child care costs!! Anyway, I…

• CapQuest - Argos Loan

  Hi, My partner bought an xbox 360 on finance from Argos about 3 years ago, and was paying it off by direct debit until she changed banks and forgot to get it set up again. She has recently moved and CapQuest have sent a letter requesting £326 instantly before they pass it to theirs solicitors. My partner just rung the…

• buchanan clark + wells ... and E.on bill

  I am sure I am not the first person to receive a letter from BCW so would be grateful for any help... In a nutshell:* Eon had sent me an Estimated electricity bill, which I had overlooked in the post, for £254.78 * Recd several reminders from them * I called them with readings and they agreed to send new bill to replace…

• scottish council tax query

  Hi there, some friends of mine are living in a flat in Glasgow. It used to be 3 students living there including the landlord so all exempt but for the past year it's been 3 working people, still including the landlord. However, the council, disorganised as they are, seem to have forgotten that two of the students were ever…

• Vanquis/Impact collections

  As many are aware they are the same company I am in a bit of a catch 22 at the moment. I owe money to vanquis it has been passed to impact I want to pay them about 20 per month they have accepted this but only for 3 months charge free. I cant afford to pay them more so after the 3 months they will just start adding the two…

• Another newbie needing some good advice...

  Hey all! I wont bore you with my life story but could do with some advice on how to clear the following as quickly as possible: Barclaycard CC - £3550@11.9% Virgin CC - £2460@ Some at 18.9% and a smaller amount at a rate of 16% Car loan - £4262 remaining @11.94% - £215pm. Barclays Overdraft - £1000 literally interest free…

• Still shaking but I've made the call for help!

  I can hardly type as I am still shaking that much but - finally, I have called the CCCS and will be speaking with a councillor next week! I have no further options now. I feel relieved, scared, don't know whether I may even cry but I have to face it full on now. Just had to tell anyone out there that understands! I am now…

• fantastic day 21st daily chat

  I couldn't find a thread so hope i haven't duplicated Good morning Another beautiful day here Have had a little clean upstairs, just having a coffee then i'm doing more sorting, (i'm determined everything is going to be in order for when the new shed is up) my jewellery and beads etc are going to be kept in a sheving unit…

• Argh so close!!!

  I have about £6 left to last me to pay day (this Friday!) but the petrol light came on last night and I need petrol to get to work! Its a 1.9 diesel so I'm not even sure if £6 worth of diesel will even give me enough! Argh, so close to pay day but still so far!!!!!

• How to clear my debt and which one first? please help

  Hi everyone, I'll try and keep this simple; My situation is as follows and most of the figures are approximate Unsecured loan with alliance and Leicester (Santander :( ) £9k - repayment £290 p/m Virgin CC - £3800 repaying £73 p/m on an arrangement with no interest or fees etc Egg CC - £2700 repaying £34 p/m for a short…

• Loan Or CC payoff

  I think I know the answer to this, Irecently paid all but one of my CCs off in full I was going to pay the other one but had to buy something so kept it on. I also set up an SO to pay an extra £100 on my loan each month. Now have just thought it might be better to pay the CC with the extra £100pm first as obviously the…

• Financial Links

  Hi All, I am currently a discharged bankrupt still paying to Moonbeaver for the next 2 years. I have now moved in with my boyfriend and would like to start comtributing to the household bills etc etc. If i were to make a regular payment onto the mortgage every month would this give us a financial link or would his credit…

• payplan

  Hi well i made the fist step and phoned payplan after i read a thread on here the other day,iv got about 6000 worth of debt and i want rid. I did phone the cccs and they told me to make token payments of £1 per month but its not getting rid of my debt. I worked it out and i can roughly afford £150 a month to split between…

• Monday 21st 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…

• fighting on .. but is it worth it?

  ok ... ive tried my best to sort things out on my own steam, but i seem to be getting nowhere fast. admittedly i have rung the cccs but my circumstances where completely different then ... ie no income at all. since then i have perservered. brief overview. i am self employed, And have a ltd company. my ex had debts at high…

• Hi all..

  I'm Gemma and i want to be debt free :( I'v finally got my payments set up and if i stick to them i should be debt free this time next year (well apart from the credit card :mad: ) I'm just wondering, when would my credit file start to improve? *In a few months or once the debts are paid? (I was issued a ccj in 2005 which…