-
Friends don't understand when I say have no money
Hi Everyone, I am a long time lurker but have not posted on this board before, but wondered if you lovely people could offer me some advice, currently I have gone back to university and am a student nurse and only have an extremely small monthly income which is provided as a bursuary, and have had to rack up some debt to…
-
in really deep trouble
I am looking for help. I've been an absolute fool and got my family into big trouble over the last three to four years. I already got us into massive debt around five years ago and we slowly got things straightened out. Then I let things go again and now we are totally screwed. I've lied and hidden all the finance problems…
-
Alternative to DMP
Hello I've got approx £14K debt which I've put in the hands of The Debt Specialists. I pay them £200 a month and they pay off £160 between my creditors and keep £40 for themselves. At this rate it's gonna take me more than 7 more years to pay it all off. Does anyone have any ideas how to do this quicker? Are there other…
-
No special balance transfer rate - what next?
I am trying to do the credit card shuffle. I have a V1irgin card account that had a limit of £25k on it, and a balance of £15k - I have just cleared all of that and have a balance of £0 :j I have a total of £11k debt on other cards and was hoping V1irgin would offer me a special offer APR on a balance transfer. But I just…
-
Toothfairy Finance
Hello, I was hoping somebody could offer me some advice. I recently did business with toothfairy finance, something I'll never be doing again! I took out a loan of £200 and paid back £200 within the 2 week limit. I didn't pay the interest of £36 at the time because I couldn't afford it due to unforeseen circumstances. They…
-
Company calling pretending to have be a delivery company.
Wonder if anyone has encountered this? History of messy divorce, old debts etc from over 6 years ago. I worked out of the country for a while and had a friend take my UK mail in for me. When I returned there were some demands etc, but I ignored most of them and heard no more. Today my friend telephoned me to say she had…
-
My names DismalJim and I'm just seeing the light
Having had the light bulb moment, I've scoured the forum (a little) and created my SOA below: (apologies to MakeSenseOfCards for removing link) Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 Number of children in household......... 3 Number of cars…
-
How to pay £0.02???
Hi all I now owe the grand sum of £0.02 on my account to Wescot. I cant send a bill payment or set up a standing order as Santander's smallest amount that can be sent is £1. I have tried making an online payment via their website, again, the smallest amount that can be taken is £1. I have been in contact with them to see…
-
Wageday Advance
Hi All, I have recently defaulted on a loan with Wageday Advance. I followed all the guidelines on here and moved bank accounts etc so they haven't been able to take any money from my account. I have written to them outlining my change of circumstances and making them an offer of the maximum amount I can afford to pay each…
-
Nationwide flexing muscles
I got a letter today from one of my creditors, Nationwide, stating that they are looking to enforce debt of £2653.41 by means of CCJ. Phoned CCCS, who stated that Nationwide like to go down this road and obtain a Charging Order on property to secure their position regarding debt repayment. CCCS advised me to monitor…
-
Fashion World calling dozens of times a day!
I'm currently dealing with my parents debt as they are unable to themselves, I am going through CCCS to do a budget form and offer a token payment. However most companies keep calling the house asking to speak to my parents I have now told them they will be sent a budget form and not to call again. I heard there is a…
-
Pounds Till Payday - Step 2??
Hi, I have several payday loans, the largest of which is Pounds Till Payday at 900 pounds. This was for 700 pounds originally after building up over time. Therefore I am paying 200 a month for a 700 loan among all the others. While I was away at work my wife managed to lose my bank card while she had it for safekeeping. A…
-
Transfering £10 per day into saving account
As it says i am going to log onto my online banking and transfer £10 from my bank account into my savings account every day. If i think of it as £70 per week i would prob think i cant afford that it sounds alot of money but £10 per day doesnt sound as much so im going to give it a try .
-
Phone app to track spends
Has anyone got any good recommendations please??
-
another newbie sees the light.
like many before me i have spent the last few years with my head in the sand getting deeper into debt.i have now been scared into action by seeing my neighbours having their home and all their posessions reposessed.now i have worked out exactly how much money i owe.just doing that gave me a feeling of control.i am keeping…
-
CCCS and what to expect
I am about to submit my information to CCCS for a solution (DMP) to sort out my nightmare of debts. I have contacted my Bank to say I have lost my Debit Card so they can’t try to get any money out of my Account (not that there is any in there anyway) and have opened a new one. Can I ask you : When sending people I owe an…
-
Wednesday 17th August 2011 What small DFW things will you do today????
Wednesday 17th August 2011 What small DFW things will you do 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,…
-
Council Tax Debt
Hey everyone, I'd really appreciate any advice on this but I first have to put my hands up and say I let things slip and this is all my own fault. It's character building and I'm learning from it! I lived in Scotland and fell into some Council Tax arrears over two years. One year I owed £300 and the following year I owed…
-
Help needed - debt recovery letter rec'd from Mackenzie Hall
Please can someone help me. I was discharged from bankruptcy over 7 years ago. At the time I was living at my parents address. Today they received a letter addressed to my maiden name, from Mackenzie Hall, chasing a debt. This letter was stamped urgent but didn't state an amount. I feel absolutely sick. I don't know if…
-
What do the abbreviations on the forums mean?
Sorry, brand new to posting on these forums and I am already confused by NSD, F&F pots and PAD's!! Have had the day from hell after getting what should have been great news from my bank, tainted by them also giving me bad news. So thought I'd log on and see if I can start properly setting my finances straight and my poor…
