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Debt-free wannabe

Archives for May 2012

Can you cast your eye over my soa
I have just recently paid off a 2 grand overdraft, (not paying any fees on it now) so was working on that as my main debt. Now that's gone, and i have a little spending money saved for my holiday at the end of this month, i'd like to see what i can do here. I have a not bad surplus at the end of the month, this is fairly…
My SOA - huge life change/income drop please help!
To give a bit of background - I'm currently working full time earning 24k a year. I'm leaving my job to live with my husband on an RAF base (hence the low rent). I'm hoping to be able to claim contribution based JSA. This is how the SOA looks once we move - we are losing half our monthly income so any advice gratefully…
Debt solution company
Hi all can anyone help I'm with a debt company called one debt solution for just under a year I pay £50 a month for debts of £5,500 but I only hear from them to collect my payments every-time I ask they are waiting for two of my creditors to get back to them and two they are paying back but I've had no conformation of this…
Rebuilding Credit etc
My girlfriend has had some trouble paying her bills over the last few years, before we got together... She has never had a CCJ however has missed credit card payments and loan payments here and there in years gone by (18months - 4yrs ago), and has also had trouble paying quarterly utility bills to the point they put her on…
Will this work ?
Right after having finally realising we are getting in to much debt.. I have opened a joint account for me & hubby which all our bills an cred card debts will come out of each month .. Total amount of bills an debts come to £2446.. This is including all bills, shopping and debt payments .. This will leave us 86 a week for…
help please
hi there i have heard of a website on here before where i can find out exactly what debt i have but for the life in me i cant find it now does anyone know it please ? also how do i subscribe to a thread thanks for any help x mandy
Free daily scratch cards?
Hello, I have tried searching but not found a recent post about them. Are the free daily scratch cards still about on St Minevar sites etc? Thank You
Court fine
Hi guys My sister in law who is 17 received a £30 fine a while back and had asked for a card which could be used to pay it. She didn't receive a card and, so she says has had no letters from court or anybody else. Today, while she was looking after my daughter a bailiff called and advised that she now owes £330. I am happy…
Back again - more whingeing and moaning. Sorry
Seriously, I don’t know how much longer I can go on. I am crumbling under the stress of this. I apologise for the length of this post, and applaud you if you get to the end of it! I have posted before about my husband, his depression, and his inability to deal with his finances at present.…
How to stop debt letters for someone else.
For a couple of years now, my mum has been getting letters from debt collection agencies addressed to a person unknown to her (or anyone alse in the family) for a debt connected to an electricity supplier at an address no-one has heard of. She started to open some letters after reciving a phone call in connection with…
Credit File Default Notice
Hi, I hope I have posted this in the correct place. I have recently obtained a copy of my credit report and it is showing a default for my Lloyds credit card which I am currently in a payment arrangement with a debt recovery company for, the account was passed to the debt recovery company after 6 months on a payment plan…
Any advice is good advice.INCLUDING SOA~PLEASE HELP IF YOU CAN
Ok, this is to be a bit long winded but bear with me as i am seeing this as an outsider.... Right, where to start. Back last year my sister received a letter from the council requesting the last 3 months worth of payslips for her HB claim. She sent these in, waited 2 weeks and was then sent a letter saying she had been…
Lump sum pension coming
Hi, I am very slowly paying off a debt to Barclaycard and I'm due for a lump sum Barclays pension pay out soon. I wondered if Barclaycard have the right to take the amount owed direct from my pension? I would be grateful for any advice. Many thanks in advance.
had some good news for once!
Ive managed to get accepted for a new credit card with a £5500 limit, this means I can transfer nearly all (apart from £400) onto the new CC and its 0% for 22 months on balance tfrs. Ive just done the transfers and im soo happy, such a weight off my mind! interest is what was killing me before! im not here to gloat i just…
need help locating an old thread
Hi all, A while back i clicked on a thread on this site that turned out to be the funniest thing I have ever read and try as I might i cannot find it again. The thread was describing one mans fight against a debt collection agency that were calling him multiple times a day for a debt he didn't owe and each time he answered…
My dilemma today....
Hubby has just had £6k paid into our account which is an interest free loan from his company to pay for his season ticket (travel) to work. Each month his salary will be deducted for 10 months to pay back. However, we've been thinking we could pay back 2 of our 3 credit cards to zero balance with this interest free cash…
Help with Father's debt with Wescot urgently needed !
Dont even know where to begin. Going back possibly as much as 15 years if not longer, my Mother took out a loan in my Dad's name for a loan with what was then Midland bank I think ? my Dad was aware of it at the time, must have signed paperwork etc, but then my Mum got into arrears and over a long period of time it…
HELP!! Car being reposessed and about to take on a secured loan....
My husband and I are struggling with debt, we have taken advice and are trting to reclaim some PPi and bank charges back however we missed three payments on our car which we have on finance with RCI financial. Unknown to me my husband ( who is struggling with depression over all this) had recieved an order from them and…
How accurate are Credit Reports?
Just got my credit report report and it shows none of my previous debt, one is from 2005 for a credit card, the other 2008 Barclays bank over draft. I changed my name in 2008 but also changed my details with barclays, just didn't pay off this debt. They have never contacted me on this Why aren't these debts appearing on my…
Settlement and entry on credit file
Hi all, So, I understand about the partial settlement marker bit. What I am wondering is does that marker have a 6-year life of its own, or does the six years only run from the time of default by that creditor? So, hypothetically, if I was defaulted by a creditor in 2010 and had a F&F settled by the same creditor in 2015,…

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