-
help please with loan interest
Hello all We started tackling our debts some 12 months ago, and with the help of people on this forum and armed with a income and expenditure sheet we have managed to secure reduced payments and interest frozen, although that’s what we were told. We have 2 loans and an overdraft with Lloyds TSB which over the phone we…
-
**Weekly Chat** Is it really week 6 already??!!
Morning all Trying to be positive today despite the absolutely awful weather, complete lack of and money, and a million and one things to do with no motivation :( Welcome to the weekend :) Hope you are all well, lets be a bit more lively than last week :) Much love xxxx
-
Sat/Sun 5th/6th February - What small DFW things will you be doing 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…
-
Welcome finance help re: CCA and interest charges etc.
Hi all, So thanks to my dad gettin some endowments through I've managed to pay off almost all of my debts (around 10k) and I now just owe him, which is awesome as hes doesnt charge interest. However welcome finance wouldnt give me any kind of discount so I am still payin them. Basically I feel I have paid them enough now.…
-
Graduate spiraling into debt doom
Hello all,:p I'm new here, but I've frequently used the website and decided to join. Basically, I graduated last June and managing my debt is really difficult. It took me a while to find a job to get by, lost that, got another job and I'm now about to start an internship (paid, but only £700 a month!) so career wise things…
-
Spiralling like spaghetti
Not really sure where I'm going with all this, other than hopefully a bit of concentration and a note of my determination to be debt free. I've looked through the boards on countless occasions to glean advice and have been filled with all sorts of emotions at how much everyone else is going through and deals with. Yet…
-
Fair Credit Rating
I have checked my credit rating with Experian and Equifax. With Experian I am 988 (Excellent) with Equifax 389 (Fair). Does this mean that if I wanted to I would now be in a position to start getting credit again, or does the Equifax "fair" rating still put me at a disadvantage. I know I can get credit with Halifax as they…
-
at my wits end...
HI I really hope someone can help me..im at my wits end...can't sleep some nights for worry about how im going to get out of this mess..well its not really a mess compared to somepeople ...but i rung up a £1000 overdraft with halifax bank of scotland and also got a £100 with them...they increased the overdraft slightly so…
-
Short term PP plan - interest not frozen??
Hi all, Been lurking on here for a while. I have been experiencing some financial difficulties (wow, that is unique!!)and instead of trying to borrow from peter to pay paul I finally took charge of my finances, went to the CAB and did a financial statement with them. I then sent off proposals to my creditors with offers of…
-
can they do this?
Hello all,brief history. A year ago Hubby and I entered into a dmp with cccs.Barclaycard agreed to lower hubbies interest rate to 6.9% and mine to 12.9%. This month,with no notice from them,they have raised hubbies interest rate to 12.9%,therefore raising his total interest a month to £22...when we are only paying £42 a…
-
advice on debts please
I owe £38,000.00, I am paying all my bills and am paying off my debts slowly (very slowly). I earn £50,000.00 per year bringing home £2800.00 per month after tax etc etc. my out goings with food and fuel are £2000.00 per month. I have two intrest free deals on Credit cards at the moment that end Dec 2011 both have £7000.00…
-
are tsb right in what they say
requested copies of creditagreements from tsb they wrote back saying they dont have any copies and they dont need to supply them if i dont repay they will take me to court is this right
-
Almost there
Im 3 or 4 months away from being completely debt free but is it worth trying to get an offer of a full and final settlement? Im with payplan and they are contacting my creditors but asked if I wanted a full or partial settlement. I can raise the funds this month to offer around 70% of what I owe, is it worth doing or shall…
-
Do you have a payday loan? Sunday Times investigation
The Sunday Times urgently wants to speak to people who have got into trouble using payday loans, in terms of not being able to afford repayments or being confused about what they owe. It’s hoping to get a piece in this weekend’s paper about it, so if you’d be happy to speak to them please private message MSE Jenny with…
-
please help im so worried
i have payments of £5 £10 £20 £30 and so on totalling £200 on my account, lloyds say its ear marked and they cant tell me what its for but theuy will on monday. This is literally what i have to live on for the month. i do have debt with payday loansd which i am trying to sort, however i changed my bank details so they cant…
-
please help im so worried
i literally have £200a month to live on, i owe some loan companies money, i have made an offer and in the meantime I changed my crad details so they couldnt just charge my card. i have now got payments of £5 £10 £20 £30 £40 and so on my bank have said they cant tellwhat it is but if it is a loan company i may not get my…
-
Enforcement notice advice please!
On Tuesday my girlfriend received a hand delivered letter from Ross & Roberts Civil Enforcement Agents in respect of a debt owed on council tax for £553.40. This is the text: "Your files are now with our removal bailiffs. The sum of £553.40 is now required. Unless contact is made with the bailiff today your goods will be…
-
Old style boards?
Can anyone help? i'm looking at how to get on the old style cooking boards but not sure where to start. I've read a lot about them and thought i would give it a try. We're on a tight budget at the moment and cutting our shopping bill would be a great saving. Would be grateful if any one could help, thanks.
-
What do I do with Debt collection agency
I have split up with my partner and now on Income Support. Right now I cant work due to my child refusing nursery she is 2 I have just had a letter from a collection agency saying I owe Natwest £1000.00 and need to pay This must have been at least 5 years ago so Im shocked to get the letter dont even remember this debt! I…
-
progress or not?
I was feeling really good with myself that I have managed to stop spending on credit cards and paid off £1000-£1200 since September, as well as saving £3k (I know a lot of people say to pay off the debts before you save but I will be out of work for a year due to maternity leave and needed some savings to tide me over).…
