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Weekly Spend Challenge W/C 26th September 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.…
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Two 0% Debts - which to pay off first?
Hi ya'll I essentially have two debts. A loan which isnt accruing any interest (it was years ago and for a car and the way it worked was they put the accumulated interest on the original loan amount, was about 6%, so essentially I am not accruing interest for not paying it off in full) which is about £723, which I am…
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how do u do it?
i have just read a thread saying that all spare cash is thrown at debts...does that mean cash for entertainment etc? For example, I got paid £1332 friday. £706 dd's this month, £200 on debts,£100 went to o/d, about £115 on extras(electric,budget card etc) and withdrew £250 to keep as cahs as this is the month i movve to…
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monthly payments wont make me debt free in two years
hi there, i have worked out what our monthly payments should total in order to make us debt free in two years.However, when i add up one debt, it doesnt equate to two years iykwim: £1172-paying £30 a month over 2 years=£720. anyone else have that problem? whereas the whole amount for all creditors works out that if we pay…
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credit score changed
......PLEASE HELP......Over many years i have been referred to as having a bad credit, but until recently when nothing has changed but now i am able to have mobile phone contracts as well as other credit, is this because a loan which i have not paid has been simply wiped away from my credit file or is their another answer.…
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a sorry SOA
Having a bad time. Wrote to CC's to freeze interest. Barclaycard said no. Waiting for others. Minimum payments were up to date until March this year. Tired of all the calls and threatening letters. Trying to apply for work after graduating and can't concentrate on my applications with their threats hanging over me. Got the…
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Optima Legal
I see from a previous thread that several people had threatening letters from this company about two to three weeks ago. I had one concerning an MBNA account, and as we are already in a DMP with CCCS I contacted Optima to inform them of the details. Couldn't get an answer on the phone as it was constantly engaged for over…
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missing information on credit report
Hi ok please bear with me I would of read through the posts but thinking of the case that we are all different I hope this would be a more help aimed at my exact situation... Currently: two bank accounts - only one shows on credit report - a current acct. some of my credit accounts are on the report but some aren't such as…
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Newbie - Barclays, advice needed!
Hello I have been speaking to my brother today who is having a bit of hassle from Barclays and I was hoping to get some advice. He has an agreement with them to make minimal payments in respect of his overdraft facility and I believe he also has an agreement in respect of his Barclaycard. I had a few debt problems myself…
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Barclays F&F payment
Hi, I am in the process of offering F&F payments to my creditors and have only had a positive reply from Barclays and I want to check the letter is as good as it sounds - "We are prepared, without prejudice, to accept £550 in full and final settlement of the debt, provided the payment is made by 28th October. Upon receipt…
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unemployed spouse - Can I do a DMP for just me?
Hi, I'm only just starting to work my way through all of this, so I may find my answer soon anyway. Just wondering ... I have credit cards, and I don't work. Can I do a DMP based on them being my debts and me not having an income? My name is on the mortgage and there is a bit of equity, so does this mean I have to sell the…
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Help with N244 form
Hi. I have decided to try and get two CCJs set aside from the advice given by an officer at Northampton Bulk centre, National Debtline and CCCS and am just filling in the N244 form. I have written the below to attach as my evidence and was hoping that somebody with experience of getting CCJ's set aside would read it and…
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Barclaycard and capitalone woes
Hi, I've got credit card debt and following advice from the CAB I wrote to all my creditors explaining my circumstances had changed and that I was in receipt of pension credit. I offered a token payment of £1 per month and attached a statement of my income and expenditure. After a struggle the majority of creditors…
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Moorcroft - Threat To Visit My 70 Year Old Mother - Legal Position
Hi, My mother is an arrangement to pay £ 5-00 per month for an outstanding credit card bill. Moorcroft frequently claim to have not received the cheque and request another, promising that if the first turns up they will destroy it. They then simply cash both cheques, taking a double payment. Having tired of this game I…
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Credit Card to pay overdraft??
Hello after the non-money saving holiday (on another thread), my OH finally surrendered and we had a look at his accounts today- his arranged overdraft with NatWest is dangerously close to the limit (less than £100) and he finally agreed something need to be done. He mentioned getting a 0% credit card so that he avoids the…
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Home stretch!!!
Hi All!! Wanted to share with people who'd understand.... I make my last payment to my last DCA debt on Monday and am sooooo excited to be parting with £550!!!!!! :j Although I've still got 18 months til the 5 defaults I incurred disappear off of my report :( Now it's time to tackle my 2 credit cards (have failed to…
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Just hit a milestone. Everything is 0%
Just done the last few transfers and got everything on 0% deals and the best bit is we can clear them all before interest is charged again! £13040 left to pay and we are clearing at a rate of £1372 a month (minimum) The only big expenditure coming is car insurance really so at this rate in 9-10 months we will be Debt FREE!…
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Lowell Portfolio 1 and debt already paid off
Please could you help with some advice. I have received a letter from Lowell Portfolio saying that they I have to pay an outstanding catalogue debt to them with a letter from the catalogue company confirming that they have passed the debt on to Lowell. However, I am sure that I paid the debt off with another DCA last year…
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Sunny Sat 25th & Sun 26th Daily Chat....
Morning peeps!! i can't see another chat? Where is everyone? Are you having a lie in?:D
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Unfair bank charge
Just need a bit of a rant. My bank statement came through this morning, saying that as I have gone overdrawn by 26p, I will be charged £50! :eek: How on earth is that fair? I have asked for an overdraft or buffer zone, but they keep saying no, come back in three months. I think today's project is to switch bank accounts -…
