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Pay day in 4 days time, and ..............
I've never looked forward to a pay day so much. For the first time, in nearly 35 years, nothing from my salary, will be going toward debts.:j
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Fri 6th 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…
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The path to take from here...
Good Morning all, I appreciate it has been a while since I've been around here but my life's gone through a few jumbles in the past 12 months. Thankfully things seem to be coming right now, but i've moved house twice, changed jobs, my Dad has fought a cancer battle (we're waiting to find out if he's won, but the signs are…
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Saving for retirement whilst paying off debts?
My hubby and I are heavily focused on paying back debt, every penny we can save or make in extra income by selling old stuff on Ebay goes towards the debts at the moment. It hit me that we don't have much of a plan for retirement. I'm self employed so I don't get the chance to contribute to a company pension and the…
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How Long To Claim
Some urgent help needed please,back in 1995 i settled a county court claim and I had a judgement set against me whereby I was required to pay the plaintiffs costs of £2000 which was all legal aid and compensation of £1500 I arranged a payment plan with the legal aid board and have completely repaid them and the last…
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Help! Debt collectors chasing disputed Eon bill
Hi all, wondered if someone can help us with a problem we're having with Eon? A bit of background: we moved into this property at the end of July last year, the previous tenants had moved out early so the property had sat empty for about 6 weeks and my landlords parents were round mowing the lawn, doing some DIY etc to get…
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Cabot placed default on file for old overdraft
Hi, Hope this is the right place for this. I had an old overdraft with Lloyds TSB many moons ago that I, stupidly, walked away from. The last time I used the current account was back in 2004 (as that's when my debit card expired and they, unsuprisingly, didn't give me another one). Cabot recently contacted me about the…
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Clarity Credit Management Solutions
Hello everyone. this is my first thread/question.. I've just received a letter from CLARITY CREDIT MANAGEMENT SOLUTIONS which reads.... Dear (My name) We need to contact the above named person regarding an important personal matter and we have been provided with you address. If you are the person named above, please…
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Equita Charges
Hello There. Well, Here's the story last month we were contacted by Equita for Council Tax. We expected this. The first guy we had was a nice fella and We set up an agreement with him for the Amount due (305.13) Paying it off at 75 pounds a month. Now here comes the problem, We were contacted a couple of days ago (Our next…
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Acknowledgement
Is contacting the office of fair trading for a friend, for advice on debt collection agency. classed as "acknowledgement of debt" ? Or does it have to be my friend to acknowledge it with the debt collectors personally? to be classed as acknowledgement? ps he does keep asking debt collectors to prove it.
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30k of debt > 6 years old and on income support
Hi I am recently self employed but not generating enough cash to totally stop the income support, although in the next year or so should be on a big enough salary to stop it. I want to pay my old debts off now as it has gone over 6 years since my last contact with the companies so my understanding is the debts are…
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Debt mail
Not sure if this is the right section so move if necessary. Basically my address has been receiving somebody's debt collection mail for months now despite us calling the debt agency in question and visiting the bank in question months ago. I have told them the real address of the debtor. Yet they continue to send mail. We…
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PPI success AFTER a Trust Deed..
My PTD (Scottish version of an IVA) finished in February this year and I got discharged not long after. I've been receiving correspondence from RBS and yesterday was offered a nice sum due to missold PPI including interest. I've been asked to sign the letter and send it back in due course. I'm just curious will this money…
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Equidebt - Joint admnistrators, overpayment notification
Hello People, I recently recieved a letter from the joint administrators saying that "Equidebt established a trust arrangement to ensure that monies recieved on or after 1 March 2013 from debtors or former debtors sent for the credit of the company or one of it's clients would be held upon trust by the Company to the…
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Tell me I've done the right thing!!!
Just paid off provident loans to the tune of £1700 :eek: It's saved us £300 per month but I'm now wishing I'd not done it as we could have used that £1700 for other things. I KNOW in the long run I've done the right thing but I'm wobbling. There's nothing that can be changed anyway, I can't get it back, but I just need…
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Thu 5th 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…
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Soa
Help I have done this on my iPad but cannot copy it any ideas? Thanks Las Vegas x
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Newbie Alert
Hi all I am new here as i realise I need to gain control of my finances as I have been living way beyond my means as the username probably indicates. How did you all cope when you realised you can't go out every weekend buy new outfits make up etc. also watching your mates all go on lovely holidays. What did you fill your…
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Debt advice, whats my best option?
Hello. I'm after a bit of advice, to cut a long story short, I've got myself into some debt, and it's become quite a weight on my shoulders. I want to be out of debt, I really do, but when I assess the situation, it becomes too much for me to bear. I suppose I should give a quick break down: £4100 Lloyds loan (24.9% £132…
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Debt total then & Debt total NOW
I'm throwing money at my debt like it's going out of fashion and I'm finding myself going through a bit of a slump in my motivation to keep going- to the point I'm starting to get tempted in to spending again :eek: Willpower will prevail but I need a bit of moral boast and a reminder of what you get when you work for it.…
