-
Default on DMP with payplan
I have been running a DMP through Payplan for around 4 years but over the past 5 months I havn't been able to pay a penny, buried my head (ignoring letters, phone calls and emails) and the long and short of it is that my plan has been cancelled. I now REALLY dont know what to do! I have sent them an email asking if I can…
-
CAP are so slooowwwwww!!!
I have set up a DMP with christians against poverty but they are so slow to sort anything out im not getting much confidence in them TBH!:(:( I have made 2 payments to them over 2.5 months and have another due in 2 weeks and still they have not got actual balances from the creditors or done a credit search for any other…
-
Market force (secret shopper) It is worth it and what do I need to know?
Guys just a quick question, I've signed up and been accepted to Market Force, like most websites it's a bit confusing as it's unfamiliar right now, but I have a couple of questions; 1) Is it worth it 2) How many assignments do you do in a week/month ? 3) How much have you been able to make from doing it? Thanks!
-
Midsummer NSDness - the June NSD Challenge
Welcome to the June No Spend Day (NSD) thread!! We are a happy (and some might say mildly insane) bunch doing battle with those retailers - and there’s plenty of temptation out there at the moment. We are seriously committed to saving money, but nobody said it can't be done with a smile on your face - so we organise…
-
To pay or not to pay....
Hi folks I've been reading the boards for quite a white now, some very interesting topics and the one that caught my eye a while ago is the mortgage free wannabe! I have a couple of questions :) I have approx 24k in savings which sits in a 2% account. My mortgage is 114k which costs me £570pm (tracker @ 2.89% but I over…
-
Debt from 1970
Hi all I'm hoping for some help I'm 73 years old an have a credit card that has now been defaulted and passed to a collection agency I have tried so hard to pay the amount each month but have reached the stage were I couldn't afford it anymore, My question is I took this card out in 1970 and paid very month on time but…
-
Help desperately needed with money/debt :/
Hi guys, hope im in the right place (if not please direct me) Basically I have so much debt at the moment, and am constantly struggling to afford my bills each month. I am not frivalous, and try to not waste money. Its just me and my son, so I really need some help (or a good kick up the backside....) as im so stressed…
-
Cancelled gym membership help please advice needed urgently
Hi, I signed a 12month gym contract and shortly after (and foreseeably) my contract was tupe'd to a new company which is out of town and my hours increased from 16 to 35. I had an off peak contract so due to new hours at work I am unable to attend. I have a received a letter from the gym chasing a debt (I rang them last…
-
Default / Baliff
Hi guys am new to this forum and dont know if this is there right place this should go so sorry in advance. Ok my problem is my credit has been bad over this past and been trying to clean my mess up from when i was young for a while now, anyway recently i checked my score online to see what i had left to pay back as i…
-
daily credit card / loan payment challange
outstanding balance, daily payment challenge: just before you go to bed, why not log into your bank account, and check the last two numbers of your balance. could be a few pence, could be 34p could be 80p whatever, why not then transfer this "loose change" via faster payments or whatever else you use direct to the debt you…
-
Please help me with my budgetting
Not sure if this is the right place to post, Im really bad with my money, I have 2 kids and 1 due in august and hoping that someone can help me with my finances. I know this is really cheeky but my OH wont sit down and go through it with me and I get stressed. Just looking at tips to help me save and want to try building a…
-
Sainsburys fiasco
Have Blair Scott ceased to be Sainsburys debt collectors. They apparently do not want my May payment but no one has informed me or sc of new payment details. I want to pay !! Blair Scott have only had the account for 1 month talk about c**k up
-
Massive debt but good credit rating- WHY?!
Hi, Wanted to ask for some advice! I've got a debt: An £8,000 professional development loan from a bank (taken out 10 years ago) It's not mean tested in terms of repayments, and interest is pretty high. I have not paid any of it off and have lost touch with the bank. I have finally saved money to pay off the total loan,…
-
Arrow global debt/equifax
I have a debt with a company called Arrow Global, I believe it is an old debt that was obtained by them and the orig debt is much older than the date they bought it. I have no idea what company the orig debt was with as it may have been longer than 2003. A default was set against my credit file with Equifax and over the…
-
I'm going to set a daily budget
I have paid off over half of my 7000 debt in the last year and that is largely thanks to the advice I have read on these pages, so firstly a massive thank you to everybody! I think there are probably a lot of people like me who read through the pages without registering so the benefits of this forum go much wider than that…
-
Car finance - think im going to get a default but not my fault
Solved it!
-
Don't really know where to post so here goes...
I am brand new to the forum, I have found it useful in many questions in the past just browsing unregistered to get answers to my questions. The time has come to register as I need a little more advice. I work full time and get a good salary for the area I am in. I have just inherited half of my fathers property, I may buy…
-
Tues 28th 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. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
Be aware 02 Sim only rip off.
I have just been talking to 02 live chat, my contract with vodafone is coming to an end and I was tempted with the 02 sim only deal 12 month contract, unlimited minutes, unlimited texts, and 1GB data for £21 a month (check the 02 site to see) I decided to talk to an online advisor and this is a copy and paste of the…
-
Any help would be great on clearing debts
I was hoping I could get some help and advice with my current situation and help to get onto the property ladder. I started on the debt snow ball in 2004 which spiraled out of control with me having maxed credit cards, loans with of other loans this problem continued until roughly 2006 with me having 2 loans and 1 credit…
