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advice please folks?
hiya. looking for a bit of advice please.. got all the details through for a dmp with stepchange. my debts include 2 loans- 1 ending in dec 14' & 1 ending march 15' and 2 credit cards with total debts of approx. £9,500. stepchange want £326 a month for 3 yrs 8 months but I'm inclined to wait til the loans are finished then…
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Noddle Credit Report Defaults
Hi everyone, Just a quick question. I have two defaults listed on my Noddle account, they are both correct and I know what they are but do they stay on your credit rating from the date of default or the date when settled? Kind Regards:)
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legal action threat for disputed child care fees
I hope i am posting in the right place. Ive had an ongoing dispute with a child care provider over fees. I have already provided proof of payments at her request and although she accepted discrepincies she didnt want to do anything about it. My child had been attending for only 4/5 days whilst i continued paying full fees…
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Should i get a wonga loan
Hope this is in the right place. I am in mess with my finances, again. I am short to pay the mortgage and nursery fees for February. Short by about £250. I am considering getting a wonga loan, or something similar. Just wanted to know what anyone thought, or is this a NO NO. I have never borrowed this way before. ( I might…
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watched cant pay we take it away
Can they really evict you even if your debts nothing to do with rent? It was £700 they got evicted for!!
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Should we sell our house and rent??
[threadbanner]box[/threadbanner] Hello All, Newbie alert …..well not completely I have read the forums on and off over the years but never really posted. I wanted to get some advice as my husband and I need to make a decsion, that if I am honest we have been putting off for a long time. Should we sell our house? It would…
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Pensions Savings and Debt
Hi all Approaching 50 and need some opinions re saving for retirement: Debt currently £5k all on 0% Projected old local authority pension due 2029 is £6200 pa Also will be eligible for the state pension Now probably in a position to join another local authority pension which will cost me about £115 per month Would you pay…
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Credit card and overdraft payments
Hello all! I'm after a bit of advice on the best way to minimise the amount and term i am paying back on a credit card and over draft i have I currently owe around £1800 on a credit card at 18% and owe around £1600 on an overdraft to my current account with halifax at £1 a day for being in it. How can i minimise the terms…
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CCJ received, more to follow?
Hi, I'm the 1st to admit we have stuck our heads in the sand and wished it would all go away when I look at our debt problem. But after receiving our 1st (well mine) CCJ this morning, I'm now worried that there are more to follow. The CCj is for £8830. (Credit card) defaulted about 2010. Also defaulted on other credit…
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Budget Spreadsheet Help
I have complied a budget spreadsheet which seems unneccessarily complicated. I think i need to dumb it down but don't know how. Would anyone be will to have a look at it for me? Or can anyone point me in the direction of a more simple budget spreadsheet i could utilise? Thanks
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Bad debt, good credit
Hello, I have a fair bit of debt, but have really good credit and am wondering whether it's worth it. I have: Loan - £9847 - £221 pm Credit card - £6902 - min £157 pm (@0%) My life has changed dramatically, quit my job and am working on doing what I love, self employed. I've sacrificed a decent standard of living, am back…
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repo man show
Does anyone know what channel it is on
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Council trying to claim a bill that was already paid
Hello guys, after a period of a few years lurking I've become quite active so apologies for multiple posts in as many days. My latest problem is one I seem to be handling ok but wanted a little extra advise from anyone who has ever been in a similar position. In short I lived in a property from 1st Nov 2006 - 14th Feb 2007…
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Who do I contact?! BOS or Halifax
Hi all, I'm new and this is my first post. I've found so many threads on here really useful recently and you guys have spurred me on to become debt free. This morning after reading some of your stuff, I have written letters to all four of my creditors regarding F&F :) I am with Churchwood Financial and in a debt management…
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Default - Full Amount / Settlement offer
I have a loan outstanding which has a default against it i am now in a position to rectify this Given i already have a default on my credit report, is there any difference in paying the full balance (£3.7k) rather than the full and final settlement offer (£2.7k) Thanks
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To transfer or not to transfer?
Hi Could I have some advice please? (Sorry first ever post!) Have three cards NATWest - limit 9200 - maxed out - no interest to pay until December 2014 MBNA - limit 8000 - spent 4000 - no interest until October 2015 Nationwide Card - limit 2500 - nothing spent at all - no deals At my current rate I should clear these cards…
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What is classed as a priority debt
As the title suggests I wanted a bit of insight into what is classed as a priority debt?
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Tuesday 25th February - 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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Scotcall Help?
Hi there My partner got an email yesterday saying that a debt from E On on our last property has been given over to Scotcall and now they want over £100. We called E on and paid off any debt we had just after we moved out and it was all balanced so I'm not sure what the money is or why they think we owe. Any ideas on how…
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need quick sale on classic car
Have a 1991 rover classic mini that I need to sell asap but its too old for sites like we buy any car - got time wasters on eBay
