Debt-free wannabe

Discussion List

• Big debts!

  Hi everyone, This is my first post although I've been popping in and out of the forum for a while now. A bit about me. I'm 46 I've no job (hence my username) I'm about 18K in debt on bank loans which I took out when I had a job and could easily pay. However I was unfairly dismissed from my work about 2 years ago for…

• please advise

  i lost my job a few months ago and have used all my savings up paying credit cards ,loans ,morgage ect i am claiming job seekers allowance wich is 130 per fortnight i have rung a few debt consiliation services for help and advice but all they say to me is that i need an iva or bankrupcy my house is worth about 140,000 and…

• new to this

  Hi all, I have been working on my (and wifes) debts for sometime, so they are not as much as they were. at present Im all spreadsheeted up telling me what gets paid when, to who, how much etc. at present our debt free date is 15/10/2011 to clear £14,400 heres hoping that it can be sooner if things work out well:j

• Wed 16th June (sorry!) - 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 needed please

  Hi all. First off, i am a newbie! I've been scanning these forums a lot recently and have decided it's about time i get some much needed advice. My partner and I would like to get our debts organised and paid off as quick as poss but obviously it has to be manageable. We currently have a loan, hire purchase for a car and a…

• Finally Faced up to Issue

  Hi I've finally faced up to my debt issue over the weekend and admitted I have an issue to my mum today. I am 32 years old and according to the CCCS Debt Remedy I have just completed I am in debt to just under £15,000. I am going to give CCCS a call tomorrow to start the ball rolling but I understand I will need a new bank…

• Notice of Intended Court Action from Blair Oliver and Scott

  My partner has received a 'Notice of Intended Court Action' for his Halifax credit card from Blair Oliver and Scott. He has been suffering with depression and so is not working. I have been paying a token amount of £16 per month on his behalf and the current balance is almost £2500. I sent Halifax an income and expenditure…

• Application Dismissed by Court - Is this a good or bad thing?

  Evening all! I recently had to send an SOA to my local county court relating to a debt and put in an offer of what i could afford to pay per month. I received a letter today from the court saying that my application has been dismissed and there really wasnt anything else on the letter. Can someone please clarify what this…

• Advice please - letter from Halifax

  Bit of backstory, my ex and I split up (still living together, put in a claim for IS, waiting for the appeal to be heard blah blah blah) and as a result, I could no longer meet minimum payments to any of my creditors, what money I had (have) coming in is to pay mine and dd's living costs (£45 a week wages, £54 a week CTC,…

• Needing Help Big Time

  Hi all, Im new to this part of the board, but its about time ive come here, just im now getting desparate. In the last 2 months ive been struggling to pay my bills big time, this is mainly due to moving from work, now working at gatwick, so its costing me alot more in petrol and at the moment my company are being funny…

• about my 8 millionth thread but things changed again.

  Sorry about this. I have been a member here for years well since 2008 ish and this is what seems like my 8millionth thread regarding budgets and affordability. Things have been ticking along nicely fo rthe last few months but as this is my life things have changed. I have found out i'm pregnant. Actual due date yet to be…

• Interest & Charges once an account is closed

  Hi I'm just after a bit of advice regarding a closed account. Basically one of my creditors has written to me to tell me that my account is now closed as I have failed to pay the requested amount on the Default Notice sent. I never received a Default Notice. My query is the following, if the account is now closed can the…

• DMP for pensioners

  I am posting here in the hope that someone can offer advice on my Parents in laws situation, we were telling them about our situation and they let us in to their secret - they are 68 and 69 and currently in a DMP with CCCS paying back 100 a month over the next 62 years!!! - they have a house with a mortgage!!! and are both…

• debt of partner - please help.

  Hi, sorry if this is in the wrong place - i am new to the boards and this seemed to me the place to post. I have recently found out that i am pregnant and so my boyfriend has moved in with me (not just because of the pregnancy but that was the spurring thing i guess). He is in a lot of debt that he is trying to pay off.…

• Hope I'm in the right place

  Hi there, **I posted this in the Marriage etc. forum, but was advised I might be better off here ** This is my first post, and pretty much the first real positive action I have taken in a while, so if I get things muddled up a bit thats why. My wife and I have recently decided to separate after 5 years of marriage. The…

• Help me save money...please

  I am 7 months pregnant and looking to save some money, any help appreciated! Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 2 Monthly Income Details Monthly income after…

• healthy bank balance?

  I've come to the conclusion I am ALWAYS gonna worry about money but i wondered what do you class as a "healthy" bank balance (and I mean a reasonable one - I asked my dad the same question, his reply was 'an unlimited one' - not helpful!) Just wondering if i should set a "target" - At the moment my bank doesnt drop below…

• Reducing Payment to Payplan - advice wanted

  Hello all, I confess I haven't been here for a while, busy concentrating on my bump which will pop at the end of November :) Anyhoo, I've been happily paying Payplan now since December last year. Barclaycard FINALLY accepted the arrangement after I complained to the OFT about them - got all interest and charges refunded…

• So much for asda

  :mad: SO MUCH FOR ASDA, Given an e-voucher for 75 pounds on sat and just been rung by Asda to say its a mistake and 850 people have been given the discount in error and ASDA will not honour it even though the order was placed days ago :mad: TESCO did the same thing with left 4 dead 2 on xbox 360 at xmas stating it was a…

• DFW newbie - Where do I start?

  Hi all I have been burying my head in the sand about my debt for years, and my circumstances mean I really need to sort myself out (finally?!) When I was at uni I opened up an account with HSBC which offered me a 0% overdraft till the end of the course, and ever since then I have hovered around the £2000 overdraft limit…