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Debt-free wannabe

Archives for September 2010

The octosyllabic October NSD challenge
:jWELCOME TO THE OCTOBER NSD CHALLENGE:j October, the month of mist and mellow fruitfulness.... or so some say. It’s proved to be very popular in the musical world, having been used and abused by anyone from U2 to Shostakovich, A-ha to Amy Winehouse and it was also the name of a beer popular in the nineteenth centry…
Defaults, Credit Reference Files, Credit Scores - what's it all about?
Hi there. Some years ago, though being stupid and argumentative with various financial institutions, I managed to end up with 6 defaults on my credit file. As these defauts were actually all over disputed accounts (bar one). I then went through the long drawn out process of trying to get them removed. It has taken some…
Greetings to all from a newbie...i have a question...Help me !!
i was wondering if someone could be kind enough to post a template letter so i can request a copy of my consumer credit agreement from blair oliver & scott due to a credit card debt i have. any help is very much appreciated with thanks
i dont know if i can do this
but i dont have a choice really do i. i got paid today. just paid out credit card £513. and sons maintenance (he lives with his dad) £70. i have £137 left for the whole of october and i still have two credit cards to pay in the middle of the month. both minimum payments of £30. im sick of the whole thing. all i do is work…
Inheritance and I can be debt free or should I get a mortgage?
Hi Any advice you have would be appreciated. I have also asked for input on the buying/selling/renting out issues on the appropriate forum discussion. Basically, I am 45 and I earn about 21K but have 18.5K in credit card debt (mostly low interest) and another 7K outstanding on a bank loan (+ 1.5K outstanding on a student…
advice on paying debt collectors
Hi there everyone, I did start this on another thread but need some replies asap! As mentioned previously, my boyf has a debt with Barclaycard that has been handed over to Debt Managers Ltd for a reduced sum... he is keen to accept. (he has also told me that another company has been in touch today by post about it which is…
£30k in debt! Where to start???
Evening everyone, Heres our story: Since I First settled down with my now wife in 2000, I have alays gone out getting things on tick and never really bothered to check how much debt we r in untill I had my LBM last month, (what a shock £30k),. Back in 2007 I worked every possible extra shift there was at work so I could…
Mackenzie Hall
Last week I had a message left on my mobie phone asking me to contact these people. I didnt, i just thought that they had a wrong number. Tonight I get a text message asking me to make a payment on line. I have heard of these !!!!!! by being on here but I have no idea why they are contacting me. I have no debt whatsover,…
Help! I'm being chased by Crapquests Lawyer's.
Hi all, I haven't posted on here for a while as my debt problems have calmed down as of late thanks to this site. Until yesterday when I received a letter from a lawyer acting on Crapquests behalf, this lawyer had taken me to court back in 2007 and obtained a C.C.J. against me then it immediately took out an inhibition…
In a lot of debt and not sure what to do
Hello, I am new to this site; I hope I have posted in the right area. A year ago I had a debt of about £1000 which I had in a loan paying off a car I purchased. I had £300 over draft I occasionally went into but most of the time kept above it. Back in January I started living with my other half at my parents and with my…
Sorting out my debts
I have just started working again after some time at Uni, and nw want to get my debts sorted. I have been using a debt management company who raped me. So now doing it all myself I have 3 large debts to pay off, all of these are with debt management companies. I have asked to request full balances, then will negotiate…
bank card help please!
So last night i realised my debit card expires tomorrow 10/10, and i haven't had any replacement through yet! I went into the bank today and asked about this, the woman checked the system and it has been ordered but not been processed yet, and not due to be processed for another 2 weeks at least!! I really don't know what…
Reclaiming illegal bailiff charges
I had Rundles at my door a few months ago and panicked and paid up but now, thanks to this forum, I know better. But, my question is, can I claim back the excessive charges? I owed the Council £269. They took it to court and the court costs were £45. Rundles only came once, when I was out, and put a hand delivered letter…
Please help MSE test NEW search facility
See full details in this thread: https://forums.moneysavingexpert.com/discussion/comment/37086646#Comment_37086646 (PS please reply in that one too :) )
DMP advice
Hi all, I know there are lots of these posts on this forum, so apologies if my one is taking up space/annoying anyone! I am in quite a bit of financial trouble. My main problem is Payday Loans. Payday loans aside, I can afford all of my loans/credit cards without any trouble. However the last year or so, I started out…
My SOA
Hi, Not sure if this is the correct place for this, I wont be offended if its moved! Just after a bit of advice really. Have just been put down to a 4 day week with associated 20% pay cut. Before this we were reasonably comfortable, now we need to tighten our belts a bit. I have a small amount of savings but i really dont…
Children helping parents get out of debt
I have read a few threads on here now about 'children' helping their parents get out of debt. Im not sure what people think about it but it does seem to be too much of a burden for 20,30,40 somethings who are trying to build their own lives, raise children, afford much more expensive mortgages than their parents, have cuts…
Debt problems snowballing
Hi, I hope someone can help me. I'm posting on behalf of my sister who is struggling to cope with debts of over £24,000. I;m not sure who the creditors are exactly but she has credit cards, loans, electric and water bills, her mortgage is in arrears and her overdraft is over limit. She isnt paying any of the creditors at…
Taking over my dad's debts
Hello everyone, I have heard a lot about money saving expert forum and was hoping to get some advice. About six years ago I found out that my dad was in debt. I only found out when a court order was taken by the debt management company Weightmans. I called them up (with permission from my dad) and arrange for payment plan.…
Debt chasing co's
HI, I had some debt from years ago which I have recieved letters from Lowell portfolio and others. I believe the debts are too old for them to be chasing and want to know how to reply to them to tell them to leave me alone. Does anyone know of any template lletters avaialbe? Thanks Marge44

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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