-
My new SOA
Here's an updated statement for you all to rip apart!! This is an update to the old thread, replies below were from a previous incarnation. I've been doing a spending diary, I'm useless at writing everything down, but I'm pretty sure I've got 99% of the things we buy on there. We get receipts for everything and I input it…
-
Default Notice Issued, Loan settled 2 months ago!!
Hi all, Ive been a lurker on here for some time! And all you guys have given me great ideas/support :money: Im one of the lucky ones that has sorted out my debts :T Yesterday I received a Default/ Arrears Notice from First Direct, my old bankers, I left them to sort my self out after they threatened to take my whole salary…
-
Advice on Repossession charges
My husband bought a house with his ex but after 3 months he moved out and asked her to sell it. She refused to at that time but then after 18 months of not paying any bills she moved out and sent the keys back to the lender. My husband had been writing to and phoning the lenders asking them to repossess and they wouldn't.…
-
£2 coins
Hi all, as you can see I am new here and have already been on the war-path for advice so I thought it would only be fair to part with a tip I have myself which I have found to work very well. I have been collecting £2 coins for about 4 months now and have saved £140. Whenever I buy something, if I get change in a £2 coin I…
-
Lowering Barclays Overdraft
Hi, I have an overdraft with Barclays which I want to lower a bit on a monthly basis. What is the minimum I can lower it each month? I have a feeling it might be £50, which to start with is a bit too high. many thanks
-
Bridgewater company?
Anyoune knows Bridgewater company for remortgage? I wanted to know if is a good one to use?
-
Help
How do i go about changing my debt managment plan from churchwood to someone who doesnt charge every month to use them? Would churchwood charge me for switching? Does being in a debt management plan effect my chances of getting a morgage? Which is the best place to switch my debts to? Please help me Thank you
-
Council Tax Liability.
Hi , I am just posting thread on behalf of my son. In 2008 he moved into a shared house it wasn't a hmo. By Dec 2008 he and the lad he shared with had a small amount of council tax arrears for which there was a payment plan in place. Even so their payments were still sporadic. In Jan 2009 my son was made redundant and…
-
DMP hows it work
i need some info regarding DMP's and if they are done through another company helping you. do you have to be missing payments for the credit card companies to even consider stopping interest as i am making the min repayments but it is leaving me with no money to buy food or nothing and all my money is gone in 2 weeks, also…
-
Old o2 debt
Hi, I am new to the forum because I urgently need advice on what to do with an old debt, and also want to use the forum. In 2005 I had a problem with my o2 mobile phone contract, so I ended the contract early and I was left with over a year of line rentals to pay in one lump sum. Well to cut a long story short, I was 19…
-
Toothfairy Finance
Hi , I am after any advice which could be given regarding my husbands situation with these sharks . He took out a payday loan at end of April needed to find a loan fast as our dog needed an emergency operation . He borrowed £300 which was to be repaid in 4 weeks time but unfortunatley he couldnt pay it as got laid off from…
-
Boots points
Hi All, I'm a hoarder with my Boots points, and am currently up to £60 on there. I normally use them for big purchases - sunglasses, perfumes or extravagent make up. But I really don't need any of these at the minute and could use the £60 cash! Anyone have any ideas as to how I can turn my points into cash? Is it worth…
-
overdraft interest rate reduction
Please don't laugh but has anyone been able to get one as a long-time customer finding themselves more overdrawn than usual and needing more time to catch up without going down the loan route.
-
old debt....
hello all this is my first post having been looking aroud the site so go easy on me :D ive been in debt for the past 10 years with a barclays loan off £8000 which ive got down to £4000 now... my question is this, it has been taking on by debt managers and they want monthly repayments of £240 according to their budget…
-
overpaying on a repayment plan
hi guys, ive been on a repayment plan for 2 years now with mbna. mbna 1 = £21 per month mbna 2 = £37 per month after clearing some other debt:j i now have around £60 a month extra. Would their be any repercussions if i pay more than the agreed repayment to mbna on some occasions. by this i mean i do not want to pay more…
-
Urent advice re bailiffs
Where to start...My husband was made redundant in Dec 2008. we quickly put a benefit claim in to our local council but various documents were lost and eventually we got benefits awarded in the May 2009. However these were only partially backdated. As we paid council tax by DD, we were unable to keep up repayments for the…
-
Debt Settlement Capital One
how well does debt settlement work with Capital One?
-
Money worries
Has anybody any good dealings with this company. I was talked into a DMP on 7th July with them for debts of £35000. They offered me 235pm for 15 years, told me the fee was £3600 up front. I think i have been cooned? One of my creditors is the Ulster Bank credit card and I bank with Ulster Bank. I was worried after the call…
-
Update, questions re debts and f+f
Hello everyone, I haven't been here for a while so I hope everyone is well and ready for me to pick their brains - again ! lol For those who were around when I posted here in a state of sheer panic back in Dec 2007, I'll give you a very quick update. Loads has happened but in short . . Income - low, fully dependant on…
-
Haunted by the past!
Hi there hope someone can offer some advice. I separated from my husband in 2006 but he did not move out until 2007. I have since moved on but apparently my finances have not. I moved out of the marital home during the divorce into rented accommodation and the marital home was sold to cover joint debts etc. I had my mail…
