Debt-free wannabe

Archives for August 2013

Debt managers ltd claiming I owe!!!
Hi all, on Tuesday I got a call early morning asking my name address and date of birth, I said "holding who's calling?" Debt managers services ltd, I stopped her there and said all contact via mail please, she agreed, Thursday another call which I ignored. Friday 2 letters arrived from this company, one stated my ref and…
Expensive Mobile Contract
Hi, I'm desperately looking to cut as much costs as I can and one of them that sticks out is my mobile contract. I pay around £50 a month however I don't need to pay anywhere near this amount and got sucked in when first signing the contract. I want to know whether it's possible to cut this down in anyway. My contract…
Bankruptcy
Hi I owe a catalogue £5k but they increased my monthly payments to such an extent that I could never pay the amount they billed me for. They are now threatening to make me bankrupt. I want to make a reasonable offer to pay, what should I do?
Paying back Overdraft
Hi I'm new here, iv been popping on for a while now. Thought it was time to make a profile for a bit advise. Ok here it goes, 6 month ago me and my girlfriend got our first rented property, I ended up getting £1300 into my rewards account overdraft which is £1 a day interest :( iv since giving the house up and moved back…
Welcome Finance
Hi guys, Could really do with some help/advice. I have just received a county court claim form from Northampton county court saying I owe, after costs, £9000 to Welcome Financial services LTD. I genuinely have no idea of where this debt has come from and I'm extremely worried as to what's going to happen. Can anyone point…
help! student debt/debt agency worry!
Hi all, I am new to this site, so please bear with me. In brief, in 2004 I was a student and have a debt of 10,000. Student finance didn't request any payments as I was unemployed, then I was diagnosed with M.S two Years ago. Since 2006, I have never heard or received anything from student finance until yesterday. I…
Another Capquest Thread
Sorry to open up yet another one of these threads, I have already read the great advice on here about requesting all the legal information from Capquest but they all differ a little from my letter so I am a little stuck. Basically I have a letter that says I owe Capquest money, the 'Account' is due to 'Capquest'. After…
5 years into a DMP, best way out?
Hi, I'm 5 years into a DMP with 5 creditors (3 DCAs, 2 original card providers), what's the best/fastest way out of my current situation? One of the DCAs is 1st Credit who I thought I'd try and negotiate a full and final settlement with. I owe them £2371, so phoned this morning and offered them £1000, they said they'd take…
Going for a DMP (I think), advice appreciated
Hi, am pretty sure due to forum etiquette that DMP providers can't be recommended, so that isn't what I'm asking for! However, just thinking out loud really and appreciate any useful advice. I have contacted two charities, Stepchange and Payplan. I am currently separating from my husband and have £48k of debt (HATE PUTTING…
Hamptons Legal
Hi all, I'm new to this so I hope I'm posting in the right place and that I give all of the relevant information. I very stupidly got myself in a situation a while ago owing money I couldn't afford to pay back and instead of tackling it head on I buried my head in the sand. I have since cleared all debt apart from one…
False accusations over "loan"
Hello I am doing this on behalf of my mum who has just received a court letter about an unpaid loan (small claims). My "dad" has claimed that she owes him over £4k for a "loan" she received off him in 2008 for a car, now time for some facts It was never a loan, there was no pre-loan agreement or any paper work, we never…
Another Westcot Victim
I am in a DMP. Moved to a lower rent home 10 months ago. Really struggled to move - due to the expense of moving home. Could not pay outgoing water bill - far higher thanit should have been, so, requested updated bill. Ie they wanted us to pay future standing charge. Did not get updated version. Paid a bit that I could…
CCA or SAR?
I'm almost at the point of getting all my accounts marked as defaulted as of 2010 and losing all the AP markers. My next step is to improve my bargaining position as I doubt many of my creditors will be able to provide an enforceable CCA. But I'm also aware that as things started to go wrong back then, there were an awful…
Creating More 'Debt' To Clear Debt?
If I took out another 0% Interest CC for 18 months, and used that to cover my budgeted expenses until Christmas (Petrol, Food, Spends), I would be able to use the money saved to pay off a Loan at 8% APR. I've worked out I would save £1000 :eek: BUT it means a new debt to clear - albeit at 0%. I already have another 0% CC…
6 year anniversary - Make £10 a day Challenge September 2013 - everybody welcome
:hello: and welcome to all newbies and regulars. This is the 6 year anniversary of this very special challenge, originally started by Batgirl :A. And in the 6 years has made a lot of people debtfree. :beer: Happy anniversary to the thread. This is the 73rd month of this challenge, which was first started by Batgirl, in…
Sat/Sun 31st August/1st Sept - What Small DFW Things Will You Be Doing Today??!
When we start out on the Debt-Free Wannabe 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…
Old Debt from British Gas sold on
Hi , I hope some one may be able to help me I had an account with British gas in 2009 and moved out in 2010 basically to cut a story short I never paid them and since that time it has been through 2 maybe 3 debt collection agencies . I have nothing on my credit reports default etc . The last one I agreed to set up a dd…
slashed debt in half on my dinner
massive weight off my shoulders today - i've been very close to the limit of my student overdraft (with natwest) for 3 years and today i waltzed in, stuck £2000 into the cash deposit machine and saw my overdraft vanish! now all i have to clear is my [other] student overdraft with barclays and i'm laughing well pleased…
Help! Confused with letter from Court Re: Debt
Good evening all. I am currently in an on going battle regarding an alledged debt with a company (Arrow Global) which seems to be close to an end point. It is currently with the Courts and I have today received a letter (General Form of Judgement or Order) and I am confused by it. I was wondering if someone could clear it…
Apex debt, statute barred??
I had a loan with welcome finance in 2004 and soon fell into difficulty. I received a default in march 2008 but I'm almost positive I didn't pay anything for at least 6 months before hand, and buried my head and refused to contact them. I've heard nothing for ages, then suddenly a company called apex solicitors have…

★ ★ ★ Meet your Ambassadors

MSE News

Martin Lewis: A trick for Shell Energy (and Octopus) customers to make some money
If you're a Shell Energy customer, you could make £50 with an easy trick shared by MoneySavingExpert.com founder Martin Lewis on the latest episode of ITV's The Martin Lewis Money Show Live.
British Gas extends half-price electricity on Sundays offer for some smart meter users until March 2024 – here's what's happening
British Gas is extending its offer of half-price electricity on Sundays for some smart meter customers until 29 February 2024.
Octopus Energy buys Shell Energy UK – here's what you need to know
Octopus Energy has agreed a deal to buy Shell Energy which, if approved, will see Shell’s 1.4 million energy customers and 500,000 broadband customers moved to Octopus.
Have yourself a MoneySaving Christmas… starting with the best way to bag a cheap, sustainable Christmas jumper from only £3
Jumpers are for life, not just for Christmas, but most of us only wear our most garish festive get-up for one or two days a year, and then feel pressure to buy a new one the following year. That's neither sustainable nor MoneySaving, so what can we do about it? I have a few ideas...
More Than to stop selling car insurance policies – here's what it means for your cover
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
New scam ad protection measures to be introduced by Facebook, Google and more – changes Martin Lewis has long called for
New scam ad protection measures, such as two-click reporting and verification for advertisers, are to be introduced by major tech firms, including Amazon, Facebook and more.
Bank of Scotland, Halifax and Lloyds to close 276 branches in 2023/24 – here's the full list, plus alternatives
Bank of Scotland, Halifax and Lloyds, which are all part of the Lloyds Banking Group, will shut at least 276 of their bank branches in 2023 and 2024 after Lloyds announced a further 45 closures today (Wednesday 29 November).
'Unpredictable' broadband and mobile price hikes should be banned, say Which? and Citizens Advice
Broadband and mobile firms should be banned from hitting their customers with unpredictable mid-contract price hikes, consumer group Which? and charity Citizens Advice have said.

View All

Debt-free wannabe

Discussion List