Debt-free wannabe

Discussion List

• Lowell/Red

  I am getting letters from Lowell/Red asking for an amount due to Abbey national. Abbey National refunded unfair charges to me about 3 years ago then proceeded to add charges on to my account after i had changed banks. I have told Lowell/Red this a number of times and they still insist on harrassing me - I informed them…

• Payday Loans - Plan required!

  Hi guys, Just hoping for some advice. Like many others I foolishly took out payday loans and have paid thousands of pounds to not pay back the original amount borrowed and now it's too much to cope with! I have: Quickquid £1000 Wonga £600 PaydayUk £450 Payday Express £350 The Money Shop £250 Therefore I am paying £550…

• Incorrect Date of Birth for creditor on credit file

  Hi all, Was wondering if this is a problem and how to go about resolving it. I've just checked my credit report on Credit Expert, as I have in the past. But this time I expanded all my creditors out to full details by mistake. I've not looked at this before, just the summary for each, so I thought I'd have a look at each…

• **Happy Friday Daily Chat.Pop in & say hello.**

  Good morning everyone :grin: Happy Friday all. My decluttering is continuing but Ive just about run out of steam. Oh well:rotfl: Hope you all have a great day. Bookie~Sorry I missed you last night.Hope all is well.

• Friday 11th 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…

• Citizens advice bureau

  Are you still able to go and talk to them about debts? I heard this was an option... is there a minimum amount of debt you have to be in or is it open to anyone to use?

• I need help

  Things feel like they are spiraling, mistakes have been made. Am posting this to see if anyone can shed any light. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly…

• How to settle an debt??

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• county court help

  im hoping someone can help me here please as i dont know what to do, i have had a letter today off of a debt recovery agency saying that they are going to seek enforcement of an order that was made in the county court for over £500 for an outstanding vet bill, i have no knowledge of this as every vet bill ive ever had ive…

• UK Debts when living in USA

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• Graduate Advice

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• Wescot Full & Final ?

  I have a debt of £611.74 with Wescot (Debt is around 10 years old and I was paying £1 per month), I have written to them with a offer of £152.93 in Full and Final settlement. They have accepted the £152.93 in settlement of the account but state that they do not have to accept the payment it in F&F settlement and they are…

• Reducing credit limit

  I've recently transferred over half of the balance on a nearly maxed credit card to another one on a 0% deal, meaning that the first card now has a balance of about £2800 but the credit limit is £7500. I'm thinking about asking Barclaycard to reduce this to more like 3k or 3 and a half, as it would mean that the total…

• Confusing reply to CCA request - UPDATE post 12

  Hi all I've been a lurker here for a while and firstly want to thank everyone for all the time they put in helping and advising others. I hope that someone will be able to advise me regarding my situation please. We are currently on a DMP with CCCS (started in May 2009) and all our creditors have been good with freezing…

• Needing Advice

  Hi there This is the first time I've posted here. I have used this site for a while now and picked up some really good tips - I have spreadsheets for everything!! Annual budget; monthly spending budget; menu planner with costed shopping list; NSD etc... even with all this I can't seem to get my debt under control. I have a…

• So close to being debt free

  I had a loan with the AA who passed it to Blair, Oliver and Scott because I missed a few payments. I've cleared this and they still owe me £100 because I paid too much. When I asked them for a statement I found lots of charges on my account, which apparently were by the AA and not by BO&S. I can't see how charging £50 for…

• Today is the first day of my new life

  Hello :) After receiving a massive bill today, I've decided now is the time to get real and be serious about my finances. Thinking and worryng about it is consuming my life and I just can't do it anymore. So, with a heavy heart, some tears and a deep breath, here's my SOA: Monthly Incomings: My salary - £1,223.34 Benefits…

• Halifax/ HBOS and Lloyds linked - query?

  Was sorting out a SAR for Halifax/ HBOS today, and realised they're related to Lloyds. Do offsetting rules apply? ie can they raid a Lloyds current account to pay a Halifax debt?

• Silly silly

  :mad: How could i ever be so stupid!!!! I was a student for 2 years and thought it would be a brilliant idea to get 2 student accounts :mad: I now owe Halifax £1,649.36 --- I have made an agrement to pay back £330 a month which should take 5 months to clear. This is just about managable. Now Natwest....have completly…

• Re-Start my life help needed

  It got to a point now that I need to get my life in order, starting with my finances. I have not paid a single thing of a debt in years and some of them are nearly 10 years old. I got to a point where I binned all letters a few years ago. However I have recently started opening them but have no idea what the debt even…