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Virgin Media (Default)
Hi MSE i have an issue with virgin media!! in 2009 i went bankrupt and my ex divorced me but i had a virgin media account at that time on the Internet, she says ill pay the account for you saves me opening up an account ok i say and left it at that!! as we parted ways....then she stops paying virgin media and i owe £65 i…
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Cash envelope system wallets
Does anyone know where I can purchase one of these at a reasonable price? They are so expensive and most are shipped from the USA. Example http://www.ebay.co.uk/itm/Cute-Black-and-White-Envelope-System-Wallet-Cash-Budgeting-Dave-Ramsey-Budget-/230973308862?pt=Wallet&hash=item35c714ffbe I really want to start doing the…
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Past Due Credit Solutions?
Accidentally opened a letter, addressed to a previous tenant. Turns out it's from Past Due Credit Solutions, regarding £11-odd due to Sky TV. Is it worth resealing and returning it, marked "NOT AT THIS ADDRESS"?
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Ndr very
Hi, I am just off the phone with NDR. my account is currently at £1970.21. I had hours cut at work I and I cannot afford to make the monthly payments of £180 as they are suggesting. I told them the most i can pay is £30 a month but they are having none of it and said the minumum i can pay is £130. What shall i do? Like i…
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Studio Catalogue
Hi! sorry I don't know if I've posted this in the right forum. Basically I have an account with Studio, the most I've ever gotten it to was around £300 or less, never above it, last year I started to have problems paying and so I sorted out a payment plan and offered to pay the £15 a month which I have been doing. Now last…
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Noddle "Debts" once IVA completed
Apologies if this is in the wrong place, but it seemed to be the best place for it. I have just completed my IVA (March 2013), and was looking at my Noddle credit score which is 1/5 - no surprises there. However, I still have my debts from my IVA on there, namely Halifax, HSBC and Max Recovery (MBNA?). Whilst I can…
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Making money online to become debt free.
Hi, I'm not sure if I have the correct place here for this post but here goes. ;) I owe my girlfriend £2000, and I'm hoping to make it back for her by earning it online. I'm thinking of websites such as the ones that do paid surveys, pay for click and anything else that will enable me to earn some cash. I'm hoping to pay…
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Needing some guidance on debt...
Hi all, my first time posting on here...a little nervous! I have a bank loan which I've been paying off for a few years and it currently costs around £200 pm. The balance is around £8k. I got the loan as a young person and it escalated as I wasn't great with money, combined with credit card offers and a few consolidations…
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Introducing me and my debt
Ok, so my debt is nothing compared to other people's and as my boyfriend has pointed it, it's me panicking but i'm only 21 and if I don't sort it out now it'll only get worse. I want to be debt free by the time i'm 25 and have some savings since I have NONE at the moment. I earn around £180 a week working for Royal Mail…
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old account still open on credit file
There is a car finance account on my credit file which was last acknowledged in June 2003 when the car was returned to the finance company. From 2007 to January this year the car finance company put monthly '6' markers on my account. They have stopped this now but the account still shows as open. I have been lead to…
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Should I use pension money to pay credit card?
Hi I have been foolish and become indebted to the tune of 16 K to credit cards - all on reasonable rates though of 7 %. I did this to pay through student days (mature student with family so it was expensive). Anyway, even tho I have a good job now (least something's improved!) I have about 360 quid a month leaving my…
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Anyone had experience with MBNA on DMP?
I send them my letter about my suggested DMP and requested their bank details so I can set up a standing order. They've replied giving me their bank details, but letter states to make sure the minimum payment is made as detailed on the bank statements. This won't be my lower payment will it? What am I supposed to do? Also,…
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Packet of crisps
I made my lunch this morning and packed it all up - took it to work with me. Notice that I've left my packet of crisps at home. Texted my wife, weeping (;) ). She said to buy another. BUT NO! It is a NO SPEND DAY TODAY! Not even a missing packet of crisps will make me spend money! Doesn't matter how petty or small the…
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Step Change - DMP any good?
Hey all, I have recently contacted Step Change to discuss a DMP and it seems like this is going to be the best option which makes me feel a little more comfortable about my current situation... I was wondering though, has anyone got any experience of Step Change in relation to Payday lenders? I have never missed more than…
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Forgotten how to understand a statement lol?
After being on a DMP for so many years i have forgotten how they add the interest on each statement. I have a balance and the statement says estimated interest will be £7.23. Payment due by 28th May They have added interest each month, for the past 6.5 yrs. so i never really take much notice. I am going to pay the full…
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advice really
Not sure if this is the right forum but if it isn't then could an admin please move to the right location. I'm just after some advice about our situation, currently working but wife is ill with long term illness and depression, I have used all my leave up plus taken several weeks sick due to pushing myself to hard and…
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Mess!
Hi, I am in a huge mess at the moment. I am terrified I am going to end up even worse... At the moment I am a full-time mum, child is 3 and attends part time nursery (free hours). Hubby works and brings home 1400 after tax per month. We get 40 per week tax credit and 81 per month child benefit (total per month income is…
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Tues 7th May - 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. :D But once we have done the bigger stuff, we often feel that we are not making the same amount of progress,…
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Urgent advice required
All, I am currently circa £50k in debt from a mixture of credit cards & loans and am after some advice on a possible way of working through this. My parents currently have around £90k mortgage outstanding on their home, say it's worth around £220,000.00; is there any way that they could sign over their home to me to be…
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MIL Collections... Again
Hi all, My girlfriends is having problems with MIL Collections. Last year between April and June we had a few letters about a debt she does not acknowledge to be her own. So we sent a letter to MIL asking for a copy of the credit agreement from the creditor, we then received a letter from the creditor ( SSe E electricity)…
