Debt-free wannabe

Discussion List

• cap 1 wanting a signature

  Hi all I am trying to sort out payment plans with my credit card companies, but seem to be going around in circles with cap 1. I don't really want to discuss my finances with someone in another country. I have sent them a SOA but have now sent a letter saying they want a signature. I am sure I read somewhere on here about…

• Advice and support needed

  I'm back again! about 2 months ago i posted on here as i had just started writing to all my creditors to offer pro-rata payments so i'm effectively trying to set up my own DMP. I felt good when i had done it but now it feels like i have not really got anywhere and things seem to be going backwards. I have changed banks and…

• Best way to handle a nearly expired, unenforced CCJ?

  Hi guys, would really appreciate some advice! I have a unenforced CCJ entered on my credit file from start of 2005 which is soon due to drop off (beginning of next year). As i've been unable to work (ill health) and make a reasonable full/final offer all advice i've received has been to let sleeping dogs lie - the debt was…

• What should I do?

  I have borrowed £400 to pay some bills - whilst speaking to Moorcroft who I owe money to they said they are willing to accept £420 as F&F settlement for the £800 odd pounds I still owe to Nationwide. Am very tempted to take them up as it's one of the larger debts and I really, really dislike dealing with Moorcroft.…

• Taken too much on?

  Hi, I have two loans, one in the form of a HSBC FlexiLoan (£2k, £1925 remaining) and a £850 authorised overdraft, which as of today I am £950 into. This has scared me, as my overdraft is getting bigger rather then smaller as it has no fixed monthly repayments. Is there a way to transfer it to another card/ loan and get…

• barclays account

  Payplan have advised me to to open a basic account and have my wages paid into it, which i have done. They also advised me to make an offer to my old bank to pay a small amount each month for my existing loan and overdraft, but i'm not sure what to write and where to send my letter to. The old bank is barclays. could…

• 14th June *Marvelous Mon/Oh God, it's Mon again! (delete as applicable)* daily chat

  Morning all! Well, I set my alarm for 9 and was wide awake at 7:30. Typical! :D So I've got some tidying up and essay writing to do and a hair appointment at 1. Guess I'd better get a move on then. What's everyone else doing today? Kayleigh

• Monday 14th 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…

• Unsecured loans to consolodate

  Firstly - Hello to all that are reading this. :) I have recently had my first baby and have had the pleasure of having 5 months full pay maternity leave, now that I am due to return to work I am concerned as I will be going back part time & have a salary drop as well as the added new cost of child care. With this in mind I…

• Getting out of debt

  Hi im new to the forums i just wanted some advice on how best to get out of my current situation. I have a debt of £10,000 on my credit card and they have recently raised it to 25% thanks to the government "helping" us out by making them change their payment system. They are now really screwing me over (it was 12%) The…

• Capital one / lowell financial

  Hi I know you probably have alot of threads on this debt collection company and was just after a bit of advice here. In 2007 I had a capital one classic card , balance £500. Due to personal circumstances and a bad breakup found myself in a financially challenging position and defaulted on the card. I have now moved house…

• Weekly Spend Challenge W/C 13th June 2010

  Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…

• Bit of Help please!

  I know this is the wrong forum to put this on and will be moved, but is there any threads on Free bets without deposits anywhere on this whole site. I put it here as I know it is more likely to get a prompt reply!

• newly single, 2 kids and facing up to debt alone!

  Hi all, Well I am new to this website having been recommended by a friend that I take a look. Hope I am posting this in the right place! My current situation is that my relationship broke down completely a week ago and am now left to pay all the bills and support my 2 young children alone. My ex and I had run up a large…

• High % APR overdraft debt moved 0% balance transfer credit card

  Hi, First post. :) Loooong time reader and fan of this site. Just wanted to ask for some clarification\advice…. I graduated a couple of years ago. And racked up some overdraft debt. Struggled for a decent job so the debt has been sitting there. Recently 2 things happened: 1. I got a decent job allowing me to pay off the…

• Can I use my pension to pay back debt

  Sorry if this has been discussed before but I would like to know if I can use my pension savings to pay back debt? I'm 30 and have around 40k of pensions saved so dar. Could I use half of this money to pay back debt? (I don't believe I can unlock my pension savings at my age, but thought I would double check to see if…

• Time to tackle the problem..please help!

  I don't know where to begin really so please bear with me. My problem with debt started when I left home at 17 with a baby and realized that i could get catalogues and prov loans on the never ever. The hubby and I did get good at keeping up with repayments but lately things are starting to spiral out of control and my…

• CCJs

  Morning All, Unfortunately I have a CCJ which I have been paying off gradually. Shouldn't the firm provide an annual statement of sorts? Advising how much has been paid off, interest charges etc? Regards

• Iva

  Hi I'm currently on a debt management plan with Payplan, however because I am self-employed I have been told that I have to attend their offices in Grantham in order to proceed with an IVA. As this is completely inconvenient for me I'm wondering if anyone can recommed a company who deal with IVAs and do not charge any fees…

• carpet beetles

  hi all ive got a bad investation of carpet beetles.2 weeks ago we notice some in the kids bedroon on wood flooring.we didnt know what they where so took them to environmental health.they said they where carpet beetles and could not do anything about the problem.told me to use ant powder. i tried this just thinking the…