Debt-free wannabe

Discussion List

• DMP Dilemma

  Hi Guys Me again, waking in a panic and cold sweat, me and my partner decided last night that we will start a DMP quite soon as we're approaching to 1 months of late payments with cc companies. Our dilemma is this. We're with Northern Rock and our mortgage is on current SVR. The DMP duration says it will be about 5.5 years…

• Thurs 17th 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…

• Quick Question

  Hi guys, Just a quickie really. ( I hope) In January Lewis Group (who took over a debt from Welcome Finance) offered me a full and final settlement which I paid. I have written confirmation that the account is settled etc. However yesterday I decided to check my Credit Expert file to see what difference paying all my debts…

• How long before CCJ?

  Hi there, I am a paranoid freak right now... I owe Halifax about 300 pounds and have done for about a month now...it's all because I am a recent graduate and moved down south to start a new, good job... I daren't check my Halifax account as with this new thing where they add charges every month to overdrawn overdrafts...I…

• Credit Cards, Loans / struggling to pay

  Hi, my debt: £12000 credit cards £6000 loans Seriously struggling to pay the £700+ repayments each month, i cannot get a consolidation loan which would reduce my payments to £300 which i could manage. Im a homeowner so dont want to go bankrupt I dont know what to do as i know there is some more debt headed my way.... I…

• help please... i cant see my credit report!

  i have signed up twice for experian credit report, the first time when i went to log in it didnt recognise my passwords etc, so i went through and filled it out again, hopeing maybe my computer was playing up, but it still wont work ive put card details in so i can see it straight away, have i done anything wrong??

• halifax visa chargeback

  hi ,can anybody help me. i had 3 visa chargebacks awarded to me only for 2 to be taken back off me. all 3 where within the 120 days since finding out there was a problem even though all 3 purchases where in 2008. the reason the two have been taken off me is because halifax say there are outside of the 540 day rule. does…

• Kicking my debt in the !!!! - any advice?

  Hi all, This is my first post on here, and as of today, I'm officially taking my money situation SERIOUSLY! I'm 27 next week and I think it's finally hit me that 30 isn't too far off and I need to get my ar*e into gear! I currently have the following debts: Loan - £4200 Credit Card - £1800 (currently 0% until Aug)…

• Dealing with Credit Card Debt - Next Move

  Hi, I was hoping I could get some advise on what steps to take to clear my debt. I currently have no loans and 2 credit cards: Barclaycard £4000 (limit = £5000) @ 15% APR Thomas Cook £1000 (limit = £1500) @ 25% APR I also had an £500 on an Egg card but I have paid this off and just cancelled the account. My fiancee has no…

• It's time...!

  hello lovely people! i've been lurking on this forum for a couple of years now and I've finally been inspired to take control of my own finances. Well, that and the fact that my spending is totally irresponsible. For at least the last year I've been letting my financial woes control me; feeling anxiety every time I think…

• Help Required with Personal Loan + Credit Card

  Hi There Every One, This is the last hope for me. I am sure I am going to get the help which is been given to a lot of people. Just to give a brief history. I was the one being in a bad situation due to my timing. It all started with my application for a remortgage back in 07. At that time my mortgage fixed term was coming…

• MBNA Partial Settlement

  Hi guys.. After many sleepless nights, panic attacks and writing letters to my creditors, I have had MBNA write back to me with regards to a F+F I wrote to them a few weeks ago. The debt is 3100 and I offered them to pay them 1K (i managed to borrow this), they rejected the offer of F+F and said they 'may' consider a…

• Any advice to get out of £5000 debt? Please read....

  Hi all, I have never posted on here, just had a quick read to find advice! But things finacially just are not improving. As it stands we owe about £5000. That may not seem huge to some people, but to us, it is. My partners job isnt greatly paid, i only work part time, we do get ctc for our two children, we live in a rented…

• Liability Order Council tax bill from 2007

  Hi I have recieved aletter today informing me that an attachment of earning order as been sent to my employer. The bill apparently is relating to 2007. The account number is different than my current council tax account numberr and I do not recall this bill at all. I have lived in my current address for 8 years. Please ca…

• Punitive Credit Report?

  Hi All, Checking my credit reports today I find worrying info and wonder if anyone else has experienced this or whether it is standard practice by the lender. I'll try and be brief: In Feb 2003 I defaulted on a credit card, 6 months later I had settled the default and cleared the account. However, according to the credit…

• My credit file seems clear (ish)...why cant I get credit??

  Hi, I have a quick question; I have recently seen my credit report for the first time on experian. Despite inputting all my previous (many!) addresses for the past 10 or so years, all it shows me on my report is a cleared "satisfactory" avon account from 2005 and a ccj for under £200 from 2008. It shows me as financially…

• advice please??

  Hi I am new to this forum and thought i would ask for some advice. I have 5 credit cards that I am paying off and not using, in fact they are just being paid off. I can give a synopsis of what i owe and the interest on each card. Card 1- 19.9%- £860 Card 2-26.9%-£1600 Card 3- 18.9%- 1700 Card 4- 20.9%- 2750 card 5- 26.8%-…

• Fastest way to remove INCORRECT default notice from credit file.

  I was hoping that someone might be able to give me some advice/information. I had an old credit card account with LLoyds TSB which was previously passed on to MHA Collections. I paid a final settlement on the account with MHA in Spetember 2009. I applied for a loan with Tesco Finance this week and my application was…

• Snowball Calculator

  Hi. Sorry if this is in the wrong place, can anyone tell me where to find the snowball calculator please. thanks

• In overdraft on a account, moving it to help get in paid off?????

  On this account have been in the overdraft for ages, this was due to the local council messsing up our housing benefit and leaving us with no money to pay our rent so had to use the overdraft. So now we are always in the overdraft despite having the HB going in and trying to put additional monies across so for 1. we don't…