Debt-free wannabe

Discussion List

• Can the council chase you for a council tax bill that isnt yours?

  I moved into a property with my ex in jan 2010. From January to june, I was a student and june to august claimed benefits because I lost my job in march and had finished studying. I then moved out by myself at the end of august because the relationship turned violent and i notified the council that i was leaving. I was…

• chased by creditors not my depts

  Last year I found my self in court with my son, he asked me to go with him as he had committed fraud on his friend. Whilst sitting in court the judge read out the offences, the creditors and my name! I was in shock!! He couldn't tell me what he had done, this occurred a few years ago but the police caught up with him, he…

• newbie - soa advice / payplan

  Hello I have been visiting the forum for a long time now, and I have now reached the point where I think I need to remove my head from my own behind. My debts are about 18k, mostly credit cards and a few overdrafts. My credit history is good, I have met almost all my payments (I missed 2 on my halifax card because their…

• I've got £1000, I owe £6000, which ones to pay?

  I have got into debt because I got ill and didn't pay all the bills. I have just about got my life on track again now and I want to get debt free. I have been reading here for a little while, I hope you don't mind me asking for advice. I am now on sick/disibility benefits, including housing benefit and council tax benefit…

• Help my daughter please?

  My daughter has just gone through her SOA with me. She will try to get her utility bills down, and she will start planning her food budget (we came to the £300 per month figure by just adding up the Sainsbury spend on her bank account!). Any other ideas please? The savings are an inheritance from her gran which she does…

• Payday and other loan issues!!!

  Hey everyone! I managed to get myself in a compete mess and looking for some advice.... Basically I built myself into a lot of debt and ended up taking out more and more credit to get myself out of it! The amount I owe isnt a huge amount and I have a decent wage (now) but it got messed up and hid under a rug to hide from…

• Metropolitan/HSBC advice please

  Hi all, I hope someone can give me some advice. I've been on a DMP with Payplan since September. HSBC are one of my creditors, and in April they passed my account over to Payment Services Bureau/Metropolitan (which I know is HSBC), who accepted straightaway. They did say in their "acceptance" leter that I had to pay them…

• Is there a weekly snowball anywhere?

  Hi guys Is there a snowball calculator anywhere that states weekly payment amounts? The reason being is I need to work out what my weekly payments per debt need to be. Monthly is awkward as I get paid weekly. Cheers

• Lowell Finance chasing statute barred debt

  Hi, Out of the blue in the early part of this year, I received a letter from Mackenzie Hall telling me that I owed a company called Lowell £1020. Having never heard of Lowell, I called Mackenzie Hall to ask what they were on about. They told me it was for an old Barclays overdraft. I asked when I last made any payment or…

• Advice please CCCS

  Like so many of the posters here I have had a terrible last two years, through a mixture of bad luck, personal bereavement and diminished recession hit earnings , I have got into debt. I'm in the lucky position of being able to do something about this though and am currently taking steps to tackle it by letting my London…

• Hi From a Newbie

  Hi Everyone, I had my light bulb moment this week when I tried to pay for fuel on my cc this week and it was refused as I'd hit the limit. It was at that point I realised I'd had no idea how much I owed on it and was spending more than I earned each month. Thinking about it now, I can't believe I was so stupid and…

• Which CC should I clear first?

  Hi All, I have been slowly reducing my debts for a few years now but have only been able to afford the minimum payments up until recently. I now have the luxury of having extra money each month and that amount will increase as I reduce my credit card debt faster. I can't get any new cards for 0% though could probably move…

• Owing money to debt companies

  Hi, not sure if i've posted in the right section, hope i have. Basically, i got accepted for three catalogues around 18 months ago and was paying them for the first few months. Then my hours at work were cut drastically, anyway, i couldn't afford to pay them anymore and now the debt has been bought by debt companies, i…

• **Come on England! Weekend World Cup Chat!**

  Goooooooood Moooooorning Every One!:j What does everyone have planned for this festive weekend?:beer::beer::beer::beer::beer::beer: I went out with the girls from work (minus mardy pants) and had a great time. We had Woowoo and cheap Wetherspoon food and right laugh. We have decided to do it every month after pay day.…

• early birthday

  :T:T Just doing my Asda online shop and got a £ 75 pound e voucher :j:j for a dettol comp :j:jheeeeeeeyyyy bbaaaabbyyyyyyy :p :D:p:D:p:D:p :A

• What small DFW things have you done on Saturday 12th and Sunday 13th June??

  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…

• Smith Lawson & company student loans letter

  Hi everyone, Hope you can help as I am absolutely terrified!! I started a PGCE in September 09 and withdrew in December. I received my student loan for January which I used to pay a bursary overpayment. I was mortified when I received a letter today from Smith Lawson demanding £675 within 7 days of the date of the letter!…

• Just did the Budget plan

  I've just done the budget plan.. It looks a bit sparse.. However, I have a £1,200 overdraft to clear and I've not taken a holiday in 2 years.. With this plan I should save £2,254 over the course of a year - indeed, I've already tried this for 1 month and its working. Within 6 months I should have the overdraft back in…

• income / outgoings

  Hello all! I'm sure this is probably on the site but after spending 30mins looking everywhere i cant find exactly what i need. I want an excel form so i can log income, spends, different credit cards I want it in excel that i cxan keep on my computer etc and update when i like. So its not exactly a budget planner but a log…

• Not as bad as som, but help really welcomed

  Hi there, as the title suggests, I know my situation is minute compared to others and for that I apologise for posting asking for help when there are others in more need than I. Having said that I still get the same feelings, I feel a little lost, confused, worried, annoyed and angry with myself. The situation is basically…